Armed Forces and Military Car Finance

We respect and support the outstanding work of our armed forces personnel - work that’s often carried out in the most challenging and extreme circumstances.

Here at Stoneacre, we also understand that financing a car whilst in the military can be difficult for a variety of reasons, and that’s why we’re here to help.

We’ve built strong relationships with the very best specialist car finance lenders who understand that forces personnel can have long-term overseas postings, and can move around often.

Free Eligibility Check

Applying for car finance for military personnel

Those in the military and armed forces looking for car finance can start their application just like anyone else - on our online eligibility form.

We can help you quickly secure forces finance approval, even if you:

Have a barracks address
You’re posted overseas for long periods
Your permanent home is a military base on foreign soil

If you've been deemed eligible for car finance, you'll then be connected with a dedicated finance coordinator to help you through the rest of the process.

Initially, you'll not be required to offer any physical confirmations of your details; however, once you have agreed to finalise your application, you will need the following documents:

Proof of ID - such as a driving licence, passport or a MOD 90
Proof of income - like a bank statement or wage slip

Even if you are a new recruit and on NERP (new entrant rate of pay) status, you can still apply for Military car finance. You just need to advise the lender at the time of application.

Military car finance & bad credit

One aspect that can make it harder for military personnel to get accepted for car finance is a position of bad credit.

If you've moved around a lot in terms of both location and role, then your credit score may have been affected by this, and might not be the strongest.

However, here at Stoneacre, we specialise in helping those in such a situation thanks to our panel of flexible lenders.

For those in the military who might have bad credit, you'll be able to take advantage of our online eligbility form which works on a 'soft search' basis.

This means that your credit score won't be impacted by the result, and lenders will not see this on your report, giving you solid ground to see where you stand.