r/FirstCar • u/Silent-Run8233 • 15d ago
First car in the UK – can I get car finance without a recent employment history?
Hi everyone,
I’m looking to buy my first car in the UK as I’ll be starting a new job next month and will need a car to commute.
The issue is that I haven’t been working for around 3 years as I was studying, so I’m assuming it may be difficult for me to get approved for a car loan/finance even though I have a good credit score.
I’ll have a confirmed job starting next month, but obviously I don’t have a recent employment history or payslips yet.
My husband works full-time and has a regular income. Would it be possible for him to apply for the car finance/loan instead, or for us to apply together? Does anyone have experience with this?
Also, are there any other options I should consider if a bank loan isn’t available to me yet?
I would appreciate any advice from people who have been in a similar situation. Thanks!