Eligibility

Car finance with a provisional licence

Car finance information for provisional licence holders looking for their first vehicle.

Representative 19.9% APR. Credit broker, not a lender. Selected panel, not the whole market. The vehicle may be used as security.

A small number of lenders may consider provisional licence holders. The available choice can be narrower and the full cost of learning, insurance and running the car needs careful budgeting.

How it works

Confirm the lender accepts provisional licences.
Provide identity, address, income and licence details.
Arrange suitable learner-driver insurance.
Update relevant organisations after passing the test.

What to check before you apply

Insurance costs as a learner and new driver.
Supervision and where the car will be kept.
Affordability if passing takes longer.
Vehicle restrictions set by the lender.

A realistic note

Finance approval does not mean the vehicle is insured or legal to drive. All licence, supervision, tax, MOT and insurance requirements still apply.

Frequently asked questions

Is approval guaranteed with a guarantor?

No. A guarantor does not guarantee acceptance.

Can I insure a financed car as a learner?

Potentially, with suitable cover that meets lender requirements.

Does passing change the agreement?

The finance normally continues, but you should update your insurer.

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.

Representative example

Representative 19.9% APR

A complete example for a Hire Purchase (HP) agreement. Your rate and payments may differ because they depend on your circumstances and the provider's assessment.

Agreement type: Hire Purchase (HP)
Cash price: £12,000.00
Deposit: £0.00
Amount of credit: £12,000.00
Interest rate: 18.29% p.a. fixed
Duration: 60 months
Repayments: 60 monthly payments
Each repayment: £306.60
Other charges: £0.00
Total charge for credit: £6,396.00
Total amount payable: £18,396.00
Representative APR: 19.9% APR

The vehicle may be used as security and could be repossessed if you do not keep up repayments. Finance is subject to status, affordability and provider criteria. There are no additional charges in this example. We are a credit broker, not a lender.

Take the next step

Ready to check your eligibility?

Start with no obligation. Where available, the initial check uses a soft search; a provider may use a hard search before a final decision.

Check my eligibility

Representative 19.9% APR. We are a credit broker, not a lender, and search a selected panel rather than the whole market. We do not charge you a fee. We may receive variable commission from a provider, which may affect the option we introduce. The vehicle may be used as security. How our service works.