Provisional Licence Car Finance – It’s now possible to get car finance on a provisional licence

Can I get approved for car finance with a provisional driving licence?

Yes you can now. As of June 2026, one of the lenders we work with on a regular basis has allowed provisional licence holders to obtain car finance where they were previously all declined. After a few years of trialling small loans to provisional licence holders, this finance company has now rolled out their provisional licence car finance product with now allows provisional driving licence holders to obtain a car finance approval.

Can I get car finance on a provisional licence in Nottingham?

Yes you can. The rollout of provisional licence car finance is UK wide, so it’s possible to get a car finance approval wherever you live.

What if my credit is really bad? Can I still get approved?

This is a tougher one to answer because everyone’s definition of bad credit is likely to be different to each other, but the only definition that really matters, is the one of the finance company. In their policy document, they are able to accept: CCJs, defaults, missed payments, arrears, discharged bankruptcies, and IVAs, but they also automatically reject applicants where their credit file shows signs that they are currently financially struggling to meet their commitments. The only way to know if you can get accepted is to apply and see whether you pass the initial credit check, and affordability check.

Application

Your Details

Title *

First Name *

As it appears on your driving licence.

Last Name *

As it appears on your driving licence.

Email Address *

Mobile Number *

Date of Birth *

Month *

Year *

Marital Status *

Number of Children (Aged 16 and Below) *

How would you rate your credit? *

Where did you first hear about us? *

Who recommended us? (They may be entitled to a gift if you buy a car from us)

Where did you hear about us? *

Which vehicle are you interested in? *

Which of our cars are you interested in?

Please give us as much detail as possible so we can tailor your approval.

What is your monthly payment budget?

Driving Licence *

If you don't have a full licence, you will need to apply jointly with a partner/parent living at the same address.

Employment Type *

If you are paid in cash, you will need to apply jointly with a partner living at the same address.

Add Joint Hirer *

Must be at the same address as you.

Do I have to have my driving test booked to obtain Provisional Licence Car Finance?

No you don’t. You simply need to be able to generate a DVLA share code using your driving licence number, and national insurance number. Once you have applied for car finance, it takes 1-2 hours to get a decision.

Do I have to take my theory test to get Car Finance on a Provisional Licence?

No you don’t. You just need a provisional licence. It is not possible to get car finance with no licence at all.

What restrictions are there if I’m approved for Car Finance on a Provisional Driving Licence?

The main restrictions are on the car, and loan amount. On a provisional licence, the maximum loan amount is £8,000, and you wouldn’t be able to finance a car with an engine size over 2 litres.

Do I need a deposit for Provisional Licence Car Finance?

No you don’t need a deposit to get car finance on a provisional licence. All the same no deposit rules apply whether your licence is full or provisional.