Alpha Finance / Pensioner car loans
A reliable car on a pension.
Stable pension income can support a car loan. We help pensioners who have been knocked back elsewhere get into a dependable vehicle.
How we assess pensioners
A pension is a stable, regular income, and we treat it that way when we assess your application.
Pension income counts
Regular, stable pension payments can be assessed as income towards your car loan.
Affordable repayments
We size repayments around your real budget so the loan stays comfortable.
Patient, human service
A real person guides you through, with no jargon and no pressure.
Pension income and your credit history
If you need a car loan for pensioners with bad credit, tell us about your current circumstances. We consider eligible income, expenses and credit history together. You receive the approved amount, rate, fees and repayments in writing before you sign.
Common questions
We can consider stable, regular pension income as part of your application. As with any loan, approval depends on your full circumstances and affordability.
Ready to get started?
Apply online in a few minutes. It begins with a soft check that does not affect your credit score. We run a full credit check only if you pass our affordability assessment.