All About Can I make a finance application that is joint?


Hi Karl, thank you for utilizing our Q & A pages. Yes you can easily certainly. But, prior to deciding to produce an application that is joint car lease there are many crucial situations to think about.

Firstly, if you decide to have joint motor finance then both both you and your co-signer could be held lawfully in charge of keeping the payment routine. Basically which means that if you’re sooner or later later on not able to fulfil your re re payment commitments because of jobless, monetary trouble or other explanation, your co-signer is likely to select within the repayments from where you left down.

It is also well worth noting payday loans in south carolina that when either of you have bad credit, building a joint application will connect the credit reference agencie( to your financess) that the lending company at issue uses and might consequently impact both both you and your co-signers capability to get further credit, either jointly or independently.

For those who have taken this under consideration and want to make a credit card applicatoin, please submit one right here or provide all of us a turn to 01405 744186 and they’re going to be very happy to discuss your choices in detail.

Sasha McCormack

Answer from Kelly

Can I submit an application for joint finance? I’ve a licence, have always been a carer for my sons to get an income that is good of a thirty days.

But, i’ve bad credit, my son works full some time has better credit but doesn’t have licence.


Hi Kelly, that’s no hassle! We’ve two options for you personally, your son could submit an application for the finance in their name, we now have one loan provider available which will think about their application if he doesn’t have licence.

Instead, the finance could be done by us in your name, we’ve two loan providers available that will nevertheless consider carefully your application even though you’re struggling to work.

Unfortuitously, we don’t have loan providers that will start thinking about yourself along with your son together. Ideally this given information assists! Please do call us on 01405 744 186 if you want to use.

Sasha McCormack

Could I create a car that is joint application with my spouse?

My credit is not good, can I submit an application for credit with my spouse onto it? She doesn’t always have a driving licence but more for cash as she’s got earnings.


Yes, this might be certainly one thing we are able to have a look at for your needs, although we might must know all details to provide a defined choice.

Sasha McCormack

Answer from Lisa

Hi here, me personally and my partner would like to obtain a motor automobile with joint finance. I’ve a good credit rating in which he has an unhealthy credit rating which can be perhaps maybe maybe not rising as a result of having a standard on their account from a couple of years ago, that has now been compensated and sorted.


This really is certainly one thing we are able to assistance with, we now have a true amount of lenders which help in this example no matter credit rating. Should this be something your self along with your partner want in please contact us on 01405 744186 to perform through a software.

Sasha McCormack

Answer to Lisa

Hello. We have a concern about me personally and my partner, We make around ?800 a month and then he earns around ?1,400 30 days but he does not drive.

Have always been we capable of getting a finance out for myself utilizing both wages which switches into my account? If my partner exists beside me? Many Many Thanks.


Many thanks for the concern, in the event that application is just in your title the lender will simply bring your income into consideration, several of our loan providers will look at the ?800 without having any income that is additional on your credit.

In the event that you wanted your partner’s earnings you need to take under consideration he will have to be regarding the application also. Hope this given information helps.

Sasha McCormack

Answer from Nathan

Hello, We have a complete motorist’s licence but a credit score that is really bad. I’ve a relative that has a credit that is fantastic but does not have a licence and it is avove the age of 70. Exactly What can I get as an answer? Many Many Many Thanks.


Many thanks for issue, this can come to be one thing we’re able to assistance with however it does rely on whom your family user is and their circumstances that are personal.

Please do call us on 01405 744186 and now we is able to see that which we can perform!

Sasha McCormack

Can a joint application be made after having a VT?

Hi, i am asking about an application that is joint. My son presently has a car on finance that he really wants to VT. I’m wondering if when the VT experienced what will be the likelihood of being accepted for the application that is joint. My son has woeful credit but is on great wages. We have fair credit but i am just component time worker. Many Many Many Thanks.


Hi Agnes, this will be surely one thing we are able to explore for you personally, the one and only thing we might ask is you sort down the VT on the current car very very very first (often normally it takes an amount of months and now we wouldn’t desire your approval to expire). As soon as this is sorted call us on 01405 744186 and now we can process a software on your own as well as your son.