Yes, you can
get approved for car finance
even if you claim Universal Credit. Many reputable lenders understand that everyone's circumstances differ and that some people's income includes benefits. Lenders might view you as a higher-risk customer due to a lower credit score, but you're not disqualified from obtaining finance. By shopping around and obtaining multiple quotes, you'll discover you have options. The real obstacle isn't that you're receiving a means-tested benefit but how much you earn. Low income is the primary reason why loan applicants get rejected. If you can't secure enough funds through traditional sources like a full-time job, lenders may see you as a less desirable borrower. You might still get approved, but the terms could be less favourable.