Some lenders consider certain benefits as income. The decision depends on the benefit, how long it is expected to continue and the rest of the household budget.
How it works
- List every income source accurately.
- Provide award notices or statements if requested.
- The lender considers stability, expenditure and commitments.
- Any offer remains subject to full assessment.
What to check before you apply
- Whether income is regular and expected to continue.
- Changes that could affect entitlement.
- Insurance, fuel, tax and repair costs.
- A buffer for unexpected spending.
A realistic note
Do not commit money needed for essential living costs. A lower vehicle budget or postponing the purchase may be safer.
Frequently asked questions
Which benefits count?
Policies differ; a lender may accept some fully, partly or not at all.
Will I need proof?
A lender may ask for award information or bank statements.
Is finance guaranteed?
No. Affordability and all lender criteria must be met.
Important: We Do Car Finance is a credit-broking service operated by Sandhurst Associates Limited. We are not a lender. Finance is subject to status, affordability and lender criteria. Acceptance is never guaranteed.