Moving to the UK comes with plenty of exciting opportunities, but it also brings a few
challenges—one of which is getting set up with a car. For many South Africans, having a
reliable vehicle is essential for work, daily life, and exploring everything the UK has to offer.
But if you’ve recently arrived, you might be wondering: Can I get car finance with a limited
UK credit history?
Can I Get Car Finance If I’m New to the UK?
If you’ve just moved to the UK, you may not have an established credit score here yet, which
can make it difficult to secure financing through traditional lenders. That’s why Fleet UK
works with a network of specialist lenders who understand the challenges new residents
face when trying to get approved for credit.
Instead of paying for a car outright, finance options such as Personal Contract Purchase
(PCP) or Hire Purchase (HP) allows you to spread the cost over affordable monthly
payments—making it easier to budget while you settle into your new life.
Visa Requirements for Car Finance in the UK
If you’re not a permanent UK resident, you must have at least 2 years remaining on your
work visa at the time of application. If you need guidance, Ben at Fleet UK is available to
assist—contact him on 02392 245577 or via email at ben.murphy@fleetuk.com.
How Does Car Finance Work?
Instead of paying the full price upfront, car finance allows you to spread the cost over
affordable monthly payments. Fleet UK offers two main types of car finance for used
vehicles:
✅ Hire Purchase (HP) – Pay in fixed monthly instalments and own the car outright at the
end. Perfect if you want long-term ownership.
✅ Personal Contract Purchase (PCP) – Lower monthly payments with flexible options at
the end of the term: keep the car, swap it, or return it.
What You Need to Apply
To get started, you’ll need:
- A valid passport or UK driving licence
- Proof of UK residence (utility bill or tenancy agreement)
- Proof of income (recent payslips or bank statements)
- A UK bank account
- A work visa with at least 2 years remaining
Article and information supplied Rob Keen – Fleet UK.
