Help with getting a loan

[MrsCaptainJackSparrow]

Hi, I'm looking for some advice on finances.
my partner and I are currently trying to get a loan to buy a car his car recently died and isn't worth much more than scrap. I'm on maternity leave and do not plan to go back to work. Dp earns enough to keep us without me working. The problem is his credit rating is shocking from issues he had a few years ago. I currently have a loan £5000 which he pays the payments of over £200 a month we want to get a loan to consolidate buying new car and my current loan and pay roughly about £300 a month. the problem is his credit rating is terrible so he can't get a loan.
My credit rating is good and I've been accepted for a loan although I put in my earnings from before maternity leave which doesn't help when they want proof of this from the last three months.

Any idea of options that we may have. Thanks in advance

you don't really mean a new car, do you? They are a total waste of money?

you can get something that works for well under £1000, something decent for £2000 or less.

also do you really mean that you are paying nearly £2500 a year on a loan of £5000? Can you change this, that is an horrific interest rate.

It's not a new car we are planning on getting its a used one but a fairly decent one as my partners had four or five used cars in the past and they all end up dying so we want something is going to last us a while. We are looking at an estate as we travel down south to visit my family fairly often and across to Germany to visit his family.

My loan is £5000 left to pay at £232 a month.

You're not going to be accepted for a normal loan based on what you have told us. You won't be earning therefore have no way to repay it, your OH wouldn't be liable for it so they wouldn't take his income into consideration. Has he tried applying for finance, was there specific circumstances that led to his poor credit rating as these may be taken into consideration? If not, then realistically your only option may be a high interest lender and even then if his credit is severely damaged he may be declined.

Apply for it in joint names...your good rating may negate some of his bad.