# Car finance without guarantor: Car Finance Eligibility Rules

> The Car Finance Eligibility Rules carries 4 published figures read from 2 sources' own pages, from 14 to 28 day, read 26 September 2026.

KnownVehicle · https://knownvehicle.com/datasets/car-finance-eligibility-rules/ · computed 2026-10-05

**Range of the published figures:** 14 to 28 day (range 14 to 28 day; 4 sources with a figure; 2 of 10 sources read publish one).

2 of the 10 named sources read in full publish a figure; 8 publish none, read 26 September 2026.

## By criterion

| Breakdown | Median | Range | Sources |
|---|---|---|---|
| criterion extension-notice | 14 day | 14 to 14 day | 1 |
| criterion extension-length | 12 month | 12 to 12 month | 1 |
| criterion completion-certificate | 28 day | 28 to 28 day | 1 |
| criterion asset-disposal-consent | 500 GBP | 500 to 500 GBP | 1 |
| criterion windfall-share | 50 % | 50 to 50 % | 1 |
| criterion redundancy-notice | 14 day | 14 to 14 day | 1 |
| criterion redundancy-excess | 6 month | 6 to 6 month | 1 |
| criterion ccj-response | 14 day | 14 to 14 day | 1 |
| criterion ccj-register-update | 8 week | 8 to 8 week | 1 |

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions) | 500 GBP | asset-disposal-consent | 2026-09-26 |
| [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions) | 50 % | windfall-share | 2026-09-26 |
| [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions) | 28 day | completion-certificate | 2026-09-26 |
| [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions) | 14 day | extension-notice | 2026-09-26 |
| [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions) | 14 day | redundancy-notice | 2026-09-26 |
| [Registry Trust: the CCJ guide](https://www.registry-trust.org.uk/court-judgments/ccj-guide) | 14 day | ccj-response | 2026-09-26 |
| [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions) | 12 month | extension-length | 2026-09-26 |
| [Registry Trust: the CCJ guide](https://www.registry-trust.org.uk/court-judgments/ccj-guide) | 8 week | ccj-register-update | 2026-09-26 |
| [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions) | 6 month | redundancy-excess | 2026-09-26 |

## The sentence each figure was read from (9)

- [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions), read 2026-09-26: "You must get the Supervisor’s written consent before you sell, charge or otherwise dispose of any interest you may have in any asset subject to the arrangement. During the arrangement, you must not obtain any credit greater than £500 without the prior written approval of your Supervisor, except for public utilities, insurance policies or other contractual payments as provided for in your income an"
- [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions), read 2026-09-26: "Disclosure to the Supervisor must be made within 14 days of receipt and 50% of the additional amount (over and above the 10% referred to above) shall be paid to the Supervisor within 14 days of the disclosure."
- [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions), read 2026-09-26: "This certificate will be issued within 28 days, starting from the later of date of last payment due, or from you completing all requirements under the arrangement."
- [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions), read 2026-09-26: "Where the arrangement is in its final year, any extension notice must be sent at least 14 days before the arrangement is due to expire."
- [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions), read 2026-09-26: "inform your Supervisor of the amount of any redundancy entitlement within 14 days"
- [Registry Trust: the CCJ guide](https://www.registry-trust.org.uk/court-judgments/ccj-guide), read 2026-09-26: "You have 14 days in which to respond: admit the debt, dispute it, or arrange payment"
- [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions), read 2026-09-26: "Payments will continue at the same amount during the extension unless stated in the notice. If you fail to disclose and/or pay exceptional income into the arrangement, the length of your arrangement may be extended by up to a maximum of 12 months to recover any sums due (to remedy the breach) without any variation being required."
- [Registry Trust: the CCJ guide](https://www.registry-trust.org.uk/court-judgments/ccj-guide), read 2026-09-26: "Allow 4-8 weeks for court, Register and credit updates"
- [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions), read 2026-09-26: "pay the amount of any redundancy payment received in excess of six months net take home pay to your Supervisor within 14 days of receipt. No payment is required if there is no amount in excess of 6 months net take home pay"

## Read in full, publishes no figure

- [FCA Handbook CONC 5.2A (creditworthiness assessment)](https://handbook.fca.org.uk/handbook/CONC/5/2A.html), read 2026-09-26: read in full and no accepted figure on the page
- [FCA Handbook CONC 5 (responsible lending)](https://handbook.fca.org.uk/handbook/conc5), read 2026-09-26: read in full and no accepted figure on the page
- [GOV.UK Universal Credit](https://www.gov.uk/universal-credit), read 2026-09-12: read in full and no accepted figure on the page
- [GOV.UK vehicle tax, MOT and insurance](https://www.gov.uk/browse/driving/vehicle-tax-mot-insurance), read 2026-09-11: read in full and no accepted figure on the page
- [TrustOnline (the statutory Register of Judgments, Orders and Fines)](https://www.trustonline.org.uk/), read 2026-09-19: read in full and no accepted figure on the page
- [FCA: how to check a firm or individual is authorised](https://www.fca.org.uk/consumers/how-check-firm-individual-authorised), read 2026-09-11: read in full and no accepted figure on the page
- [Ask the Police Q581: registered keeper on a provisional licence](https://www.askthe.police.uk/faq/?id=85c97155-7178-ec11-8d21-6045bd0f2a10), read 2026-09-12: read in full and no accepted figure on the page
- [handbook.fca.org.uk](https://handbook.fca.org.uk/handbook/conc5), read 2026-09-26: read in full and no accepted figure on the page

## Methodology

Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 2 of the 10 named sources that could be read published a usable figure; 8 published none and are recorded as not published, never filled in; 0 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in day (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 13 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): one row per acceptance criterion, separating the three things every commercial page mixes: what the LAW forbids (no regulated credit agreement under 18), what the REGULATOR requires the lender to assess (CONC 5's creditworthiness and affordability tests), and what is only a given lender's own policy (a full licence, a minimum income, an active IVA) - with the lender-policy column counted ACROSS the authorised firms in the register dataset, so the answer to 'can I get car finance on a provisional licence' is a number of lenders that say yes, not an opinion; beside it the statutory constraints a borrower is already under (the IVA protocol's credit ceiling, a judgment on the register)

## Sources

- [FCA Handbook CONC 5.2A (creditworthiness assessment)](https://handbook.fca.org.uk/handbook/CONC/5/2A.html) (the publisher's own terms; quoted for reporting and comment)
- [FCA Handbook CONC 5 (responsible lending)](https://handbook.fca.org.uk/handbook/conc5) (the publisher's own terms; quoted for reporting and comment)
- [IVA Protocol 2025 standard terms and conditions (GOV.UK)](https://www.gov.uk/government/publications/individual-voluntary-arrangement-iva-protocol/annex-1-iva-protocol-2025-standard-terms-and-conditions) (the publisher's own terms; quoted for reporting and comment)
- [GOV.UK Universal Credit](https://www.gov.uk/universal-credit) (the publisher's own terms; quoted for reporting and comment)
- [GOV.UK vehicle tax, MOT and insurance](https://www.gov.uk/browse/driving/vehicle-tax-mot-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Registry Trust: the CCJ guide](https://www.registry-trust.org.uk/court-judgments/ccj-guide) (the publisher's own terms; quoted for reporting and comment)
- [TrustOnline (the statutory Register of Judgments, Orders and Fines)](https://www.trustonline.org.uk/) (the publisher's own terms; quoted for reporting and comment)
- [FCA: how to check a firm or individual is authorised](https://www.fca.org.uk/consumers/how-check-firm-individual-authorised) (the publisher's own terms; quoted for reporting and comment)
- [Ask the Police Q581: registered keeper on a provisional licence](https://www.askthe.police.uk/faq/?id=85c97155-7178-ec11-8d21-6045bd0f2a10) (the publisher's own terms; quoted for reporting and comment)
- [handbook.fca.org.uk](https://handbook.fca.org.uk/handbook/conc5) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- The Car Finance Eligibility Rules carries 4 published figures read from 2 sources' own pages, from 14 to 28 day, read 26 September 2026.
- 2 of the 10 named sources read in full publish a figure; 8 publish none, read 26 September 2026.
- Car Finance Eligibility Rules, criterion extension-notice: median 14 day across 1 source, read 26 September 2026.
- Car Finance Eligibility Rules, criterion extension-length: median 12 month across 1 source, read 26 September 2026.
- Car Finance Eligibility Rules, criterion completion-certificate: median 28 day across 1 source, read 26 September 2026.
- Car Finance Eligibility Rules, criterion asset-disposal-consent: median 500 GBP across 1 source, read 26 September 2026.
- Car Finance Eligibility Rules, criterion windfall-share: median 50 percent across 1 source, read 26 September 2026.
- Car Finance Eligibility Rules, criterion redundancy-notice: median 14 day across 1 source, read 26 September 2026.
- Car Finance Eligibility Rules, criterion redundancy-excess: median 6 month across 1 source, read 26 September 2026.
- Car Finance Eligibility Rules, criterion ccj-response: median 14 day across 1 source, read 26 September 2026.
- Car Finance Eligibility Rules, criterion ccj-register-update: median 8 week across 1 source, read 26 September 2026.

Cite as: "KnownVehicle Car Finance Eligibility Rules", updated 2026-10-05, https://knownvehicle.com/datasets/car-finance-eligibility-rules/.

CSV: https://knownvehicle.com/datasets/car-finance-eligibility-rules.csv
JSON: https://knownvehicle.com/datasets/car-finance-eligibility-rules.json
Embed (plain HTML, static link back): see https://knownvehicle.com/datasets/car-finance-eligibility-rules/#median