Car finance for people on benefits


No deposit

Rates from as low as 5.9% APR

Car finance for people on benefits


At Socialmotors we have an extensive panel of lenders who provide car loans for people who receive benefits. Although not all benefits are acceptable for car finance, Job seekers allowance for instance. Below is a list of the acceptable benefits for car finance with Socialmotors.

  • Child tax credits
  • Working tax credits
  • Child benefit
  • Disability living allowance (DLA)
  • Personal independence payment (PIP)
  • Carers allowance
  • State Pension

Please note: If you are not employed, you must be in receipt of eiher DLA or PIP 

Applying for car finance with benefits

Make an application online

Apply now or call us, one of our experienced advisors will take some basic details for our lenders to review. If approved you will be offered a credit limit for your new car.

Choose your car

Once you have your credit limit, one of our advisors will assist you in choosing your new car from our showroom – we have over 1000 vehicles available in group stock, at this stage you will be able to discuss your needs and establish the car you want.

Documents and Delivery

We will now prepare your new car for delivery and get it to you usually within 48 hours, giving you a free 12 month comprehensive warranty & 12 months MOT. Once your car arrives, if your happy you sign your finance documents.

Application Criteria

Do you meet the application criteria?

To be eligable for car finance all you need is to…

  • Be aged 18 or over
  • Hold a full UK/EU driving licence
  • Be UK resident for 3 years
  • Have a Full time, part time job, be self-employed
  • Not bankrupt

Please note: if your income is 100% benefits you must be in receipt of a high rate benefit like DLA or PIP to apply.

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