Just passed your test? Get approved for car finance even with no driving history. Flexible terms tailored to first-time drivers.
Congratulations on passing your test!
Whether you’re 18 or 58, or any other age, getting behind the wheel of your own car is exciting. Getting approved for finance, though? That’s where most new drivers hit the problem wall.
The problem is that many banks see “new driver” on the application and reject you instantly. No driving history means you’re automatically flagged as high-risk, regardless of your age, income, or how stable your finances are. Never mind getting through to tackling new driver insurance or the like, this stopping block can cause frustration and deter you from getting the car you’ve worked so hard for.
That’s why Concept Car Credit specialises in getting first-time drivers approved via our credit brokers when mainstream lenders won’t. We look at your ability to pay, not how long you’ve been on the road.
Car finance can seem daunting to a new driver, but it’s nothing to worry about.
It lets you spread the cost of a car over affordable monthly payments instead of paying thousands upfront.
Our process is very simple:
For this, you’ll need:
No credit history? No problem. We focus on affordability, not credit scores. Our initial application uses a soft search, so there’s zero impact on your credit score.
For illustration purposes only. The rate and payment you may be offered will be based on your individual circumstances.
Concept Car Finance Limited is a credit broker, not a lender. Credit is subject to status.
£0.00
at 14% APR
Vehicle Price: £0.00
Deposit: £0.00
Amount to Finance: £0.00
APR: 0.00%
Option-to-purchase fee: £10
Total Cost of Credit: £0.00
Total Repayable: £0.00
Based in Manchester but operating nationwide, we specialise in getting first-time drivers approved, no matter if you passed your test last week or last month, and regardless of your age.
Whether you want to sign up for joint finance or pay for things by yourself, we’ve helped thousands of new drivers get on the road.
Just passed your driving test and need a car for a price you can afford?
For the best car finance deals, shop used cars on finance with Concept Car Credit.
We also offer young drivers car finance and student car finance – find out more by calling 0800 093 3385.
Yes.
We work with lenders who specialise in approving first-time borrowers. After all, no credit history doesn’t mean bad credit history, though we also work with people with bad credit. See our full FAQs for more information.
Age isn’t a factor in our application and approval processes, only your ability to afford the payments.
We’ve helped new drivers of all ages get approved, and we’ll treat you with the respect you deserve.
No.
We offer 0% deposit car finance. However, a larger deposit will reduce your monthly payments and the total interest you pay over the term.
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
