The concept of guarantor car loans resulted from fallout due to the credit upheaval of recent years. Something needed to change to allow folk with bad credit histories to access new lines of credit. The solution was the guarantor loan and it has proved very popular.
To apply for guarantor car loans you can be a council or private tenant, or you can be a homeowner, it doesn't matter. The application procedure is totally confidential and so nobody will need to know anything about it (including any employer). You can also be retired from work.
With guarantor car loans people may gain access to credit again even if you have a poor credit history featuring things like arrears, defaults and CCJs to your name. It's a more sensible approach to credit and will once more let a large section of people access to credit which would not be possible otherwise.