I can't afford a car then?

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I'm self employed, started my own business domestic cleaning 4 months ago. Has been doing really well, just gone up to 3 days a week.

My car is on its last legs, it has MOT due in March but it isn't worth saving as it's a 2006 model with a heap of problems.

I assumed I'd be able to get finance of some form but nope. Nowhere will accept me, being self employed without 6 months proof of earnings is working against me, plus I have bad credit from years ago.

This morning I decided to suck it up and ask my parents for a loan. They said no 🥴

Anyone been in a similar position? What did you do?
I'm worried that if I can't get a car sorted I won't be able to work and then I'll really be screwed.

@Sugarfree23

Another poster asked the OP how much webuyanycar would pay her for her car.
Thisgirlnever quoted that poster to say that webuyanycar only check that the engine turns over and he exhaust comes out right. She said she had sold them a couple of really dodgy cars and they never check anything.

You misunderstood and starting going on about what gets checked during an MOT. Which had nothing to do with webuyanycar as was being accu

*being discussed.

Same here too.

I'm referring to WeBuyAnyCar.

1. Find a Credit Union in your county. They offer loans to people who cannot pass a credit check.
2. Once you know that they may lend you say £4000, then find a car dealer who will accept part exchange, and who has the type of car for sale that you can afford with your loan, and drive your car with it’s current MoT to their forecourt and buy a car with 6 month warranty from them, using your car with MoT as a possibly £500-£800 deposit.

This could work. You can get your own insurance on the car so you are fully insured and it will work and you can drive that car as much as you want. I would still try take a loan out with him Instead of getting a new car on finance the interest an and everything inbetween is horrendous.

If it’s just the electrics that are the problem, then I’d be tempted to just get them fixed rather than buy another car that you don’t know what problems it has. Perhaps try the local college and see if there are any apprentices that could do the work (it will most likely be overseen by their tutor who should be a qualified mechanic).
Another option could be to lease a car if you can afford the monthly payments.
As you mentioned before, yes your partner could buy himself a car and put you down as a named driver on the insurance, which would also bring his insurance payments down (providing you don’t have any motoring offences) just be sure to insure it appropriately and have business insurance on it. This shouldn’t cost too much extra.

Yes absolutely nothing to stop him buying a car in his name, and letting you have joint use of it.

Yes you can, you just need to declare who the main driver is when taking out the insurance

Please be careful taking advice from the internet! When taking out an insurance policy it needs to be insured by the person who owns it otherwise there is no insurable interest. Your DH can buy a car and you can be a named driver on the policy and also be the main user of it. If you have any claims however, you will affect his no claims bonus and if he later gets another car, he will not be able to use the no claims bonus earned on this policy against another unless the insurer specially accepts mirroring NCB or it’s a multi vehicle policy like Admiral for example. Fronting used to be a big issue with parents and children but it rates on each driver anyway now so there’s no benefit to doing it

I bought a Vauxhall Agila when they came out…first one I left in France…it’s now 20 years old and still going strong,..second one I bought 12 years ago…sold it for £100. They have no electronics to go wrong. Amazing cars. You could buy one for £400 and it will last you for years.

What utter tosh
It doesn't need to be insured by the person who owns it at all
Registered owner and registered keeper are totally different things
It makes no difference if the owner insures it or if it's someone totally different

Seriously the op asked a question and didn't give all the facts at the start

I’m a motor insurance underwriter but please don’t take my word for it. Look up insurable interest. The owner is the person who bought the car, the keeper is the person whose name is on the V5 but doesn’t prove ownership. You would find it very difficult to insure a vehicle that isn’t owned by you unless it’s leased to you under a contract. Often husband and wife is fine but the statement of fact asks who the registered owner and keeper is so needs to be declared and if you split up, you have no rights to that vehicle even if your name is on the V5

How strange that I've insured cars that are not owned or registered by me and also motorcycle's that are not owned or registered by me

I've no helpful advice really OP but just wanted to say that it sounds stressful and I hope it can be resolved. I think there are an awful lot of people on here who have no meaningful idea what it's actually like to be unable to access credit and what it's actually like stuck between a rock and a hard place with something like this when you are trying your best to hold down a job or work hard at something to improve your life. Being in that situation certainly does not immediately equate to that being that persons lack of effort , work ethic or anything else.

Would speaking to your parents again be worthwhile?

Webuyanycar are a a joke in my own experience. Whatever low quote they give you they will knock as much as humanly possible off for every little detail when you take it to be inspected, presumably in the hope that peoples desperation and lack of options win out.

Presumably you will be able to use a car if your DP gets one but otherwise I would start looking now into what public transport gets you to existing clients addresses, canvass heavily for new clients that are walkable from your home (use social media if you can't afford marketing, it's free, and there are lots of free tools online to creat your own business cards or posters erc) Realistically if it were me I would be looking for supplemental hours in something walkable from home to raise my income - local convenience stores for example, who are in need of staff at the moment. They are often open 6am to at least 10pm at night so a much higher chance of picking up a shift that works with existing work and childcare.

Given that a car seems thoroughly unaffordable at the moment, a bike could be a genuine alternative, especially if you're using your client's vacuum cleaner and don't have to haul one around yourself.

If you do have to bring any kit with you then it's surprising how much you can fit in a set of panniers on the back; certainly enough for a bottle of each of all the usual cleaning products and some cloths.

Most domestic cleaning businesses seem to be hyperlocal so I imagine you don't have far to travel between jobs.

There's a plumber who has made a selling point of travelling to all his jobs on a push bike; he will have to carry more kit than a domestic cleaner so he has a cargo bike, but I'm sure you'd be able to get the kit you need on a normal bike.

Start a Ironing service and get people to drop of and collect, phone a few companies in your area and get prices and then undercut them a bit and meanwhile tell all your house cleans what your plans are prices in north west roughly £20 for 20 items which would take roughly a hour obviously charge more for bedding and large items and save up for a really good steam generating iron buy it from costco as they are brilliant if it breaks, You could iron at night when children are in bed and just have one eye on the tv for company

Haven’t read the full thread but would it be cheaper to hire a car three days a week for the next few months until you have the required 6 months statements to get a loan?

OP, have you looked into using a Credit Union? It’s usually a non-profit community resource for helping people with finance. Might be an option for a loan: www.findyourcreditunion.co.uk/

Or if your parents had a car they’d lend you for that time?

Our car had issues with electrics - sunroof opening when it rained, speakers going funny, air con not working. We had them all disabled and just made sure crucial electrics were working. Sealed the sunroof with silicon. Didn’t cost much at all and car passed its MoT. Still going 5 years later!
definitely worth saying you can’t afford to spend much and what needs to be done to get it through the Mot. Then hopefully you can get past the 6 month mark of your business and have more options. Good luck OP

You will be financially linked so he has no chance of getting credit whilst you have a bad credit rating

First Response finance are great,they don't rip you off with extortionate interest rates and I've had 2 cars financed by them over the last 8 years.My credit history was poor but they take each application on a case by case basis.Worth giving them a try?

If Yr dh gets a loan for the car anyone can drive it, that's then dictated by the insurance u have, better to get a joint 1. Buy the best car u can afford, anything 10 years+ will just give u more expense. Good luck, at least ur trying 😘A pity Yr parents cdnt offer u even a bit towards it even as a loan

This isn't strictly true, please don't give out misleading information.