21 Sep How to Get a Car Finance Without a Job
Getting a car finance without a job is a challenging task, but it is certainly possible if you are committed.

How to get a car finance without a job
If you are unemployed and wish to secure a finance, you may wonder whether there would be any lender who will consider you for a loan. Compared to the home loan application, getting a car finance is relatively an easy process. The loan is usually for rather small amounts and repaid over just a few years. However, it becomes a different story if you add “unemployment” as a factor.
Lenders are assumed not to offer car loans if the principal applicant doesn’t have a job. This is fairly understandable because they will need to have an assurance that you can indeed repay the mortgage.
Good thing there are available options if you are in this kind of situation.
Here’s a guide on how to get a car finance even if you don’t have a job.
Provide other sources of income or fund.
Lenders look at your job for proof that you have the ability to pay back the loan. However, they also take into consideration other sources of income when deciding whether or not to approve a car finance application. If you have income from other sources, such as disability or child support, you may be able to use a certain percentage of these as income to repay your car loan. Moreover, if you were able to secure significant assets save in the bank or in investment accounts, lenders may be willing to consider that as security against your loan.
Save up for a deposit.
To get a loan if you don’t have a job, you are going to need to save up a much larger amount for deposit than if you were employed. Most lenders require a minimum downpayment of at least 30% of the purchase price or even higher.
Improve your credit rating.
Your credit history greatly affects your car finance application. If you’ve had financial trouble in the past, it is important to make sure those problems are fixed and your profile looks spotless before seeking to obtain a car finance, especially if you are unemployed.
Find yourself a co-signer.
If all else fails, look for a co-signer. Ideally, it can be a family or a close friend since their role is to sign with you on the loan, and act as a financial guarantor to the lender in case you fail to settle your payments. This means that they are also financially responsible for your car finance, and your failure to pay can negatively affect their credit score.
Securing a car finance without a job can be a tedious and tricky process, but achievable. You can also seek the help of your local finance broker to help you look for lenders who accept applicants with this kind of situation.
By being informed and taking the time to research, you will be able to drive your dream car no matter your financial circumstance is, and yes, even without a job.
Disclaimer:
This article provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product.
Corporate Credit Representative (486927) is authorised under Australian Credit Licence 389328.
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