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
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.
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.
Speak to real people based in the UK who understand your needs and are here to help every step of the way.
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.
With your consent, we perform a credit check using UK credit reference agencies to assess your application.
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.
Our assessments take your full circumstances into account, ensuring payments you can comfortably manage.
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