Good Afternoon,

I have been reading through the forum and notice some good advice being given out so thought I'd try and see If I could receive some.

I currently rent a house with my partner, I work full time in the same job for the last 2 years, I have bad credit (checked with checkmyfile) due to defaults a few years ago. Because of this I struggle to get any form of credit (even a debit card!). My partner has 'fair' credit according to Equifax although is currently unemployed, will start a new job in 2 weeks.

We are looking at buying a new car although want to know the best options, the loan amount would roughly be in the region of 8000. Is my partner likely to get credit without a long job history? Should we try a joint loan to boost chances?

Thanks in advance for any advice!

I thiink £8000.00 is big ask for somebody with a fair credit profile. Also most prime lenders require at least 3 years employment history. If however she has her new salary paid into her bank, she may be able to borrow a small loan from them. Alternatively you can down the sub prime finance route. I hope this helps.

Thanks for the reply and the advice

Agreed, lenders get nervous about lending to people without a good credit history at the best of times.