Trustpilot
Trustpilot
Home
How It Works
Blog
Matt

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.

Get a Quote

We work with the best lenders to get you the best deal
7 years
Excellent
Fair
Poor
Bad
N/A monthly
payments of
N/A
Get a quote
No impact on your credit score
Best available rate
N/A APR
Total cost of credit N/A
Total amount repayable N/A
Best available rate
N/A APR
Total cost of credit N/A
Total amount repayable N/A
N/A monthly
payments of
N/A
Get a quote
No impact on your credit score
Representative Example

Cash price £15,000, deposit £0, total amount of credit £15,000, term 7 years, 84 monthly payments of £244.99, on a hire purchase agreement, option to purchase fee £1, total amount payable £20,578.77, representative APR 9.9%, rate of interest 9.9% fixed.

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

Copyright © 2025. All rights reserved.

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 may receive a commission payment from the finance provider if you decide to enter into an agreement with them. The nature of this commission is as follows: we receive a commission based on a percentage of the total amount of finance taken by the customer. The commission received does not affect the amount you will pay under your finance agreement. You can request for us to disclose the amount of any commission received. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. 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.

Written Quotation on request

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.