{"id":9580,"date":"2022-06-11T11:00:00","date_gmt":"2022-06-11T10:00:00","guid":{"rendered":"https:\/\/healthservicediscounts.com\/blog\/?p=9580"},"modified":"2026-03-17T16:36:49","modified_gmt":"2026-03-17T16:36:49","slug":"nhs-car-finance-how-it-works-what-you-should-know","status":"publish","type":"post","link":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/","title":{"rendered":"NHS Car Finance &#8211; How It Works &amp; What You Should Know"},"content":{"rendered":"\n<p>Welcome to our NHS car finance blog. <span style=\"font-weight: 400;\">Financing a car is one of the most popular ways to buy a car in the UK, but it isn\u2019t an easy decision. The world of car finance can be extremely confusing, making the decision process a challenge.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Whether you are looking to buy or lease a car, there are various options to consider, and it\u2019s best to understand the different types of NHS car finance, how they work, and what\u2019s best for you.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Within this blog, you will find educational information regarding NHS car finance that can help you to make the best decision. Also, after reading our blog, make sure you check out our <\/span><strong>NHS car financing options<\/strong><span style=\"font-weight: 400;\"> exclusively for our members.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-how-do-car-finance-options-work\"><b>How Do Car Finance Options Work?<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Car finance, like many financial products, is where you make monthly payments to a lender over a number of years (with interest rates) to pay for your product.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Finding the right product, whether it\u2019s a new pair of shoes, the right shade of foundation, the best holiday location or even the best internet for your home, takes time, and the same can be said about car financing. There are multiple car finance options to choose from, so it&#8217;s worth looking into how they work. Also, it is worth looking at how much a car is worth, how to pay a deposit, types of finance, and much more<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-what-is-pcp-car-finance\"><b>What is PCP car finance?<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Personal Contract Purchase (PCP) has become one of the most popular ways of buying a car, as the repayments are, on average, a lot lower than a personal loan or a Hire Purchase (HP) plan.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">With a PCP agreement, you will pay off a monthly fee to the lender, and by the end of the agreement, you can pay the remaining cost for the car, which is often referred to as a balloon payment. Plus, by paying the final payment, you will become the vehicle owner.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">You could choose to upgrade your car at the end of a PCP, which is essentially part-exchanging your current vehicle for a new car. As a result, you\u2019d continue paying monthly payments.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-what-is-hire-purchase-hp\"><b>What is Hire Purchase (HP)?<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Hire Purchase (HP) is often referred to as the \u201ctraditional finance\u201d option, and it\u2019s another popular choice to consider. The idea of HP is very simple\u2013rather than pay a dealership for the car you\u2019re after, the finance company will purchase the car on your behalf. Then, you will agree to repay the finance company over an agreed timeframe (typically 5+ years) through monthly payments.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-how-do-car-loan-applications-work\"><b>How Do Car Loan Applications Work?<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">In most circumstances, finance applications will require you to provide the following information:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Name<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Address<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Date of Birth<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Employment details<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Details of which vehicle you\u2019d like to purchase<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Details of the deposit you wish to provide&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Repayment time frame&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">By providing his information, the lender will be able to perform some credit, fraud, and affordability checks\u2013this process often takes a few days.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"540\" src=\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/07\/Budgeting-28-1024x540.png\" alt=\"Illustration of man putting coins in oversized piggy bank using a ladder\" class=\"wp-image-9552\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-nhs-car-finance-faq-s\">NHS Car Finance FAQ&#8217;s<\/h2>\n\n\n\n<p>We know that car finance is a confusing product, so to help you, we have answered some of the most popular car finance questions.&nbsp;<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1654770924761\"><strong class=\"schema-faq-question\">Does financing a car affect credit score?<\/strong> <p class=\"schema-faq-answer\">In short, the answer is yes and no. Car financing options will most likely affect your credit score in the beginning. However, by making all of your payments on time, your payment history will improve your credit score over time.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1654770955810\"><strong class=\"schema-faq-question\">Can you sell a car on finance?<\/strong> <p class=\"schema-faq-answer\">No\u2013you cannot sell a car on finance without telling the lender. Should you fail to inform the lender without paying off the debt, you will have committed fraud and could face prosecution.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1654770963753\"><strong class=\"schema-faq-question\">How long does car finance approval take UK?<\/strong> <p class=\"schema-faq-answer\">Typically, it will take 1-2 business days for a car finance application to process. However, in some cases, such as bank holidays, this timeframe could take longer to process.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1654770972456\"><strong class=\"schema-faq-question\">Can I get car finance on benefits?<\/strong> <p class=\"schema-faq-answer\">People that receive benefits can pass the credit check and be eligible for car finance. However, please factor the car payments into your monthly bills to ensure you can make the repayments.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1654770987432\"><strong class=\"schema-faq-question\">What credit score do you need for car finance UK?\u00a0<\/strong> <p class=\"schema-faq-answer\">Your credit report score will play a significant role in whether you are eligible for car finance. Each lender will have a different score you need to achieve, so no blanket credit score number can be provided.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1654770994140\"><strong class=\"schema-faq-question\">Can you change the name on a car finance agreement?<\/strong> <p class=\"schema-faq-answer\">Unfortunately, you cannot change the name on a car finance agreement to another individual. This is because the loan is tailored to the individual that originally agreed to the car financing option and their circumstances.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1654771005465\"><strong class=\"schema-faq-question\">Does car finance affect mortgages?<\/strong> <p class=\"schema-faq-answer\">Yes\u2013a car finance option can affect your mortgage. How? Banks and other financial providers are required by law to examine an applicant&#8217;s financial circumstances before issuing a mortgage offer. <br\/>This involves looking at different factors, such as credit history rating, employment status, and much more. Car financing is a form of debt; therefore, lenders will factor that in their assessments.\u00a0<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-more-blogs\">More Blogs<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/healthservicediscounts.com\/blog\/new-nhs-discounts-february\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"608\" src=\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/02\/HSD_NewDiscounts.png\" alt=\"\" class=\"wp-image-8542\" srcset=\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/02\/HSD_NewDiscounts.png 1080w, https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/02\/HSD_NewDiscounts-300x169.png 300w, https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/02\/HSD_NewDiscounts-1024x576.png 1024w, https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/02\/HSD_NewDiscounts-768x432.png 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/a><figcaption class=\"wp-element-caption\"><strong><span style=\"color:#1c36ba\" class=\"has-inline-color\">New NHS Discounts<\/span><\/strong><br>Are you searching for new NHS discounts? Here at Health Service Discounts, we continually work with new brands across various categories, such as travel, fashion, finance, and much more.<\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/healthservicediscounts.com\/blog\/new-nhs-discounts-february\/\" style=\"background:linear-gradient(183deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%)\" target=\"_blank\" rel=\"noreferrer noopener\">Read More<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/healthservicediscounts.com\/blog\/nhs-discount-list\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"608\" src=\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2021\/05\/HSD_DiscountList_Feature-june-update-2021.jpg\" alt=\"\" class=\"wp-image-7508\" srcset=\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2021\/05\/HSD_DiscountList_Feature-june-update-2021.jpg 1080w, https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2021\/05\/HSD_DiscountList_Feature-june-update-2021-300x169.jpg 300w, https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2021\/05\/HSD_DiscountList_Feature-june-update-2021-1024x576.jpg 1024w, https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2021\/05\/HSD_DiscountList_Feature-june-update-2021-768x432.jpg 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/a><figcaption class=\"wp-element-caption\"><strong><span style=\"color:#1c36ba\" class=\"has-inline-color\">NHS Discount List<\/span><\/strong><br>Are you searching for a specific discount? Why not take a look at our A-Z NHS Discount list that is updated monthly? Click the button below for more incredible discounts. <\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/healthservicediscounts.com\/blog\/nhs-discount-list\/\" style=\"background:linear-gradient(181deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%)\" target=\"_blank\" rel=\"noreferrer noopener\">Read More<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-money-and-finance-support\">Money and Finance Support <\/h2>\n\n\n\n<p>Whether you are looking for information on <a href=\"https:\/\/healthservicediscounts.com\/money\/borrowing\/mortgages?utm_source=blog&amp;utm_medium=social&amp;utm_campaign=Car+Finance&amp;utm_content=180622-Mortgages\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"color:#214ac2\" class=\"has-inline-color\"><strong>mortgages<\/strong><\/span><\/a>, <a href=\"https:\/\/healthservicediscounts.com\/health-service-borrowing?utm_source=blog&amp;utm_medium=social&amp;utm_campaign=Car+Finance&amp;utm_content=180622-Borrowing\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"color:#214ac2\" class=\"has-inline-color\"><strong>borrowing money<\/strong><\/span><\/a>, <a href=\"https:\/\/healthservicediscounts.com\/money\/borrowing\/credit-cards?utm_source=blog&amp;utm_medium=social&amp;utm_campaign=Car+Finance&amp;utm_content=180622-Credit+Cards\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"color:#214ac2\" class=\"has-inline-color\"><strong>credit cards<\/strong><\/span><\/a>,<a href=\"https:\/\/healthservicediscounts.com\/money\/borrowing\/car-finance?utm_source=blog&amp;utm_medium=social&amp;utm_campaign=Car+Finance&amp;utm_content=180622-Car+Finance\" target=\"_blank\" rel=\"noreferrer noopener\"> <span style=\"color:#214ac2\" class=\"has-inline-color\"><strong>car finance<\/strong><\/span><\/a>, or any other<strong><span style=\"color:#214ac2\" class=\"has-inline-color\"> <\/span><a href=\"https:\/\/healthservicediscounts.com\/money?utm_source=blog&amp;utm_medium=social&amp;utm_campaign=budgeting+support&amp;utm_content=110622-Money\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"color:#214ac2\" class=\"has-inline-color\">financial service<\/span><\/a><\/strong>, we have support pages that can help you. <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-nhs-discounts\">NHS Discounts<\/h2>\n\n\n\n<p>If you are looking for ways to save, whether it&#8217;s on your monthly bills, weekly food shop, daily essentials, or a well-deserved treat, we have hundreds of discounts at the biggest brands a click away. All you need to do is sign up and become a member, which is FREE, to gain access to our exceptional NHS Discounts. <\/p>\n\n\n\n<p><strong>Disclaimer<\/strong>: This blog post was written and shared by Health Service Discounts and is intended to inform readers about the topic at hand. Before engaging with any financial product, please speak to a professional.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-midnight-gradient-background has-background wp-element-button\" href=\"https:\/\/healthservicediscounts.com\/?utm_source=blog&amp;utm_medium=social&amp;utm_campaign=Car+Finance&amp;utm_content=180622-Home\" target=\"_blank\" rel=\"noreferrer noopener\">Sign Up Today<\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large is-style-rounded\"><a href=\"https:\/\/healthservicediscounts.com\/?utm_source=blog&amp;utm_medium=social&amp;utm_campaign=Car+Finance&amp;utm_content=180622-Home\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"276\" src=\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/04\/HSD_LandingPage_CTA3-1024x276.jpg\" alt=\"'Save up to 50% on big-name brands'.\" class=\"wp-image-8979\" srcset=\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/04\/HSD_LandingPage_CTA3-1024x276.jpg 1024w, https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/04\/HSD_LandingPage_CTA3-300x81.jpg 300w, https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/04\/HSD_LandingPage_CTA3-768x207.jpg 768w, https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/04\/HSD_LandingPage_CTA3-1080x291.jpg 1080w, https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/04\/HSD_LandingPage_CTA3.jpg 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Welcome to our NHS car finance blog. Financing a car is one of the most popular ways to buy a [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":9584,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[],"class_list":["post-9580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-saving-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.4 (Yoast SEO v24.8.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NHS Car Finance - How It Works &amp; What You Should Know - Health Service Discounts<\/title>\n<meta name=\"description\" content=\"If you are looking for information NHS Car Finance, we have got you covered. In this blog, we answer commonly asked NHS Car Finance questions\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NHS Car Finance - How It Works &amp; What You Should Know\" \/>\n<meta property=\"og:description\" content=\"If you are looking for information NHS Car Finance, we have got you covered. In this blog, we answer commonly asked NHS Car Finance questions\" \/>\n<meta property=\"og:url\" content=\"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/\" \/>\n<meta property=\"og:site_name\" content=\"Health Service Discounts\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-11T10:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-17T16:36:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/06\/HSD_CarFinanceAdvice_Feature-e1656066113468.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1081\" \/>\n\t<meta property=\"og:image:height\" content=\"608\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Michael\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Michael\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/\"},\"author\":{\"name\":\"Michael\",\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/#\/schema\/person\/a1e26110375e0afb454245eda383b69b\"},\"headline\":\"NHS Car Finance &#8211; How It Works &amp; What You Should Know\",\"datePublished\":\"2022-06-11T10:00:00+00:00\",\"dateModified\":\"2026-03-17T16:36:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/\"},\"wordCount\":1076,\"publisher\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/06\/HSD_CarFinanceAdvice_Feature-e1656066113468.png\",\"articleSection\":[\"Money Saving Tips\"],\"inLanguage\":\"en-GB\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/\",\"url\":\"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/\",\"name\":\"NHS Car Finance - How It Works &amp; What You Should Know - Health Service Discounts\",\"isPartOf\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/06\/HSD_CarFinanceAdvice_Feature-e1656066113468.png\",\"datePublished\":\"2022-06-11T10:00:00+00:00\",\"dateModified\":\"2026-03-17T16:36:49+00:00\",\"description\":\"If you are looking for information NHS Car Finance, we have got you covered. 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However, by making all of your payments on time, your payment history will improve your credit score over time.","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#faq-question-1654770955810","position":2,"url":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#faq-question-1654770955810","name":"Can you sell a car on finance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No\u2013you cannot sell a car on finance without telling the lender. 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However, in some cases, such as bank holidays, this timeframe could take longer to process.\u00a0","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#faq-question-1654770972456","position":4,"url":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#faq-question-1654770972456","name":"Can I get car finance on benefits?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"People that receive benefits can pass the credit check and be eligible for car finance. However, please factor the car payments into your monthly bills to ensure you can make the repayments.\u00a0","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#faq-question-1654770987432","position":5,"url":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#faq-question-1654770987432","name":"What credit score do you need for car finance UK?\u00a0","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Your credit report score will play a significant role in whether you are eligible for car finance. Each lender will have a different score you need to achieve, so no blanket credit score number can be provided.\u00a0","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#faq-question-1654770994140","position":6,"url":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#faq-question-1654770994140","name":"Can you change the name on a car finance agreement?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Unfortunately, you cannot change the name on a car finance agreement to another individual. This is because the loan is tailored to the individual that originally agreed to the car financing option and their circumstances.","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#faq-question-1654771005465","position":7,"url":"https:\/\/healthservicediscounts.com\/blog\/nhs-car-finance-how-it-works-what-you-should-know\/#faq-question-1654771005465","name":"Does car finance affect mortgages?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes\u2013a car finance option can affect your mortgage. How? Banks and other financial providers are required by law to examine an applicant's financial circumstances before issuing a mortgage offer. <br\/>This involves looking at different factors, such as credit history rating, employment status, and much more. Car financing is a form of debt; therefore, lenders will factor that in their assessments.\u00a0","inLanguage":"en-GB"},"inLanguage":"en-GB"}]}},"uagb_featured_image_src":{"full":["https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/06\/HSD_CarFinanceAdvice_Feature-e1656066113468.png",1081,608,false],"thumbnail":["https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/06\/HSD_CarFinanceAdvice_Feature-150x150.png",150,150,true],"medium":["https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/06\/HSD_CarFinanceAdvice_Feature-300x169.png",300,169,true],"medium_large":["https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/06\/HSD_CarFinanceAdvice_Feature-768x432.png",768,432,true],"large":["https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/06\/HSD_CarFinanceAdvice_Feature-1024x576.png",1024,576,true],"1536x1536":["https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/06\/HSD_CarFinanceAdvice_Feature-e1656066113468.png",1081,608,false],"2048x2048":["https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2022\/06\/HSD_CarFinanceAdvice_Feature-e1656066113468.png",1081,608,false]},"uagb_author_info":{"display_name":"Michael","author_link":"https:\/\/healthservicediscounts.com\/blog\/author\/michael\/"},"uagb_comment_info":0,"uagb_excerpt":"Welcome to our NHS car finance blog. Financing a car is one of the most popular ways to buy a [&hellip;]","_links":{"self":[{"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/posts\/9580","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/comments?post=9580"}],"version-history":[{"count":19,"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/posts\/9580\/revisions"}],"predecessor-version":[{"id":18345,"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/posts\/9580\/revisions\/18345"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/media\/9584"}],"wp:attachment":[{"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/media?parent=9580"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/categories?post=9580"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/healthservicediscounts.com\/blog\/wp-json\/wp\/v2\/tags?post=9580"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}