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Legally, only someone over 18 can get a loan and, even if you are 18 or older, the lender will probably ask for your parent or another adult to co-sign. However. Get help learning about the financial challenges ahead. Our programme guides you through the money matters you need to know about in the adult world. At CarFinance , we work with a panel of lenders and some of them can help secure loans for people with a provisional licence or a full EU driving licence. We.