UK-specialist finance options designed for people receiving benefits. Simple online application, transparent decisions, and tailored solutions to get you on the road.
£20 processing fee • FCA authorised • Quick decision
Answer 4 quick questions to get your personalized eligibility score and see if you qualify for car finance today.
Universal Credit, PIP, ESA, or other DWP benefits
We specialise in helping UK customers on Universal Credit and benefits get the car finance they need
We welcome applications from people receiving Universal Credit and other benefits. Your situation is understood here.
Just a simple affordability review - won't impact your credit score. 85% of applicants are approved.
Get a decision within 24 hours. Our streamlined process means less waiting and more certainty.
No hidden fees or surprises. We explain everything clearly so you understand exactly what you're agreeing to.
Fully regulated by the Financial Conduct Authority. Your trust and security are our top priorities.
Apply from the comfort of your home. Our entire process is digital, simple, and secure.
See what car you could qualify for based on your monthly budget
Based on your budget, you could qualify for a car worth roughly:
Secure process • 24hr decisions • £20 setup fee
* This is an estimate only. Final approval depends on affordability assessment and credit review.
Fresh stock arriving daily. Bad credit? On benefits? We approve anyway.
Stop dreaming about it. Most of our clients get their funding in under 24 hours.
Your keys are closer than you think. 🔑
Takes less than 2 minutes • No impact on credit score
Get approved for car finance in three simple steps
Fill out our simple online form with your personal details and income information. Takes just 5 minutes.
We review your affordability - no hard credit checks that affect your score. 85% of applicants pass this quick review.
Once approved, review your finance agreement and get ready to drive your new vehicle.
We understand that traditional finance can be difficult to access if you're receiving Universal Credit or other benefits. That's why Klub Finance specialises in providing tailored solutions.
We welcome applications from Universal Credit recipients. Your benefits income is considered as part of your application.
We also work with customers receiving PIP, ESA, disability benefits, and other UK government support.
No hard credit checks - just a quick affordability review to ensure payments work for you. 85% of applicants are approved.
We're committed to providing transparent, secure, and accessible car finance for everyone, especially those receiving benefits.
Unlike traditional lenders, we understand that receiving Universal Credit or other UK benefits doesn't define your ability to manage finance responsibly.
Our £20 non-refundable application fee is clearly stated upfront. This covers:
We take data protection seriously. Your personal information is handled in full compliance with UK GDPR and Data Protection Act 2018.
Fully authorised by the Financial Conduct Authority
UK Regulated
GDPR Compliant
ICO Registered
Secure Processing
Finance is subject to status. All applications are assessed individually based on affordability and creditworthiness. The £20 processing fee is non-refundable regardless of the outcome. Borrowing may not be suitable for everyone.
Find out in minutes if you qualify for car finance. We accept Universal Credit and work with people on benefits.
Quick application form
We welcome applications
One-time processing cost
Fast decision time
100% Secure • FCA Regulated • No Obligation