• Mon - Sat 9.00 - 18.00
  • Unit 1A Crystal Trading Estate, Old Racecourse Road, Liverpool, L318AW
  • 01513639595

Driving licence criteria

Driving licence criteria for car finance

Driving licence criteria for car finance 

Most car finance lenders do need you to have a full UK or EU driving licence. That being said you can still obtain a finance agreement without having a driver’s licence. At Socialmotors we have options available for people who have provisional driving licences and even no licence at all.


Alot of lenders in the UK look at having a full UK licence as a basic requirement when applying for a car finance agreement. To prove you have a licence you are usually asked to provide evidence of this, your licence will also be used to verify your identity.


If you do not hold a full current driving licence, it is likely to be more important than ever that you have a fair credit record and a reasonable deposit to put down as a down payment.

There is lenders in the UK who may be willing to offer a finance package to people without a licence. When applying for finance on a car without a driving licence you need to be able to provide alternative identification, this needs to be photo ID such as a passport.


Socialmotors have finance options through a large panel of trusted lenders, loans available for cars, vans, motorbikes, motorhomes, caravans  and even horse boxes. 

We pride ourselves on providing the best customer service possible, we do this by assigning you with your own personal account manager. Your account manager is available to answer all your questions whenever you need them.

Application process

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 hire purchase car finance 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 for bad credit car finance.