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Can I add a Guarantor or a joint hirer?

Our finance expert Matt says...

Yes you can, if the lender believes it will strengthen the application, and, give us a better chance of having an approval then one of our experts will look into this option for you. Majority of our applications however are strong enough in a single name only. A Guarantor is usually only required dependant on your age.

Adding a Joint Hirer can also be an option. This could potentially help when it comes to affordability and securing the best rate possible.

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Representative Example

Cash price £25,000, deposit £0, total amount of credit £25,000, term 8 years, 96 monthly payments of £384.53, on a hire purchase agreement, option to purchase fee £1, total amount payable £36,915.88, representative APR 10.9%, rate of interest 10.9% fixed.

Rates may differ as they are dependent on individual circumstances. Subject to status.

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Auto Finance Online Limited is authorised and regulated by the Financial Conduct Authority (FRN: 832181). We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. This will either be a fixed fee or a percentage of the total loan. The commission received does not affect the amount you will pay under your finance agreement. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. We work closely with selected finance providers to offer you financing options. This means that the products do not represent the entire market available to you. Our primary goal is to assist you in finding a suitable finance solution for your purchase. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.

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We may from time to time offer promotional finance terms from our funders. These terms will be for specified and limited time and may apply to; specific stock, age of vehicle or finance balance. These terms maybe offered by one or more of our funders. We will receive different commission amounts if you are taking advantage of a promotion.