Self-employed car finance made simple
Sole trader, contractor or limited company director? Get car finance built around real self-employed income — not just PAYE payslips.
- ✓Sole traders & LTD directors welcome
- ✓Bank statements or SA302 accepted
- ✓Soft search — no impact on credit
- ✓Fixed monthly payments
“Amazing service from start to finish. Really consistent communication throughout the whole process.”
“They managed the purchase of my new car. It was a breeze! Talked me through every step.”
“A great experience. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — they made it possible.”
“First class. Very professional — they came back to me right away with clear answers.”
“Can't fault them. I've been using them yearly for refinancing. They go above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
“Amazing service from start to finish. Really consistent communication throughout the whole process.”
“They managed the purchase of my new car. It was a breeze! Talked me through every step.”
“A great experience. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — they made it possible.”
“First class. Very professional — they came back to me right away with clear answers.”
“Can't fault them. I've been using them yearly for refinancing. They go above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
“Amazing service from start to finish. Really consistent communication throughout the whole process.”
“They managed the purchase of my new car. It was a breeze! Talked me through every step.”
“A great experience. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — they made it possible.”
“First class. Very professional — they came back to me right away with clear answers.”
“Can't fault them. I've been using them yearly for refinancing. They go above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
“Amazing service from start to finish. Really consistent communication throughout the whole process.”
“They managed the purchase of my new car. It was a breeze! Talked me through every step.”
“A great experience. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — they made it possible.”
“First class. Very professional — they came back to me right away with clear answers.”
“Can't fault them. I've been using them yearly for refinancing. They go above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
Self-employed car finance explained
Self-employed car finance is designed for drivers whose income doesn't fit neatly into monthly PAYE payslips. If you're a sole trader, freelancer, contractor, gig-economy worker or limited company director, mainstream car finance applications can be frustrating — many lenders default to asking for two years of payslips you simply don't have.
Our specialist lender panel accepts a range of income evidence including SA302 tax calculations, personal and business bank statements, accountant references, and dividend + salary payslips for limited company directors. The affordability decision is based on your real earnings picture, not a rigid PAYE template.
Most self-employed drivers are approved for Hire Purchase (HP) or Personal Contract Purchase (PCP). Whether you're looking for a van, a family car or a nearly-new saloon for client meetings, we can source competitive rates from 9.9% APR representative if your credit and affordability check out.
New businesses can also be considered. Some of our lenders will approve applications with as little as 3–6 months of business bank statements, provided the numbers stack up. Longer trading history (12+ months) unlocks broader lender access and sharper rates.
Getting a quote takes 2 minutes and uses a soft credit search only, so shopping around costs you nothing.
Pros and cons of Self-Employed Car Finance
- ✓Multiple forms of income evidence accepted
- ✓Sole traders, contractors and LTD directors welcome
- ✓New businesses considered from 3–6 months trading
- ✓Zero-hours and gig-economy income considered
- ✓No upfront broker fees
- ✓HP, PCP and personal loan options
- !Newer businesses may need a deposit
- !Fewer lenders will accept 0–3 months trading history
- !Rate depends on personal + business credit profiles
- !Some LTD directors need dual income evidence
Car finance calculator
These estimates are for illustration only and are subject to credit checks and lender criteria. Your actual rate and monthly payment will depend on your personal circumstances.
Self-Employed Car Finance FAQs
How car finance works
Apply in 2 minutes
Tell us the car you want, how much you want to borrow, and a monthly payment that fits your budget. We'll match you to the best deal from our panel of lenders.
Pick a car from any dealer
Once accepted, choose a new or used car — or part-exchange your current one — from a reputable UK dealer. We run the full checks for you.
Drive away the same day
Arrange same-day collection or home delivery. Get behind the wheel and enjoy your new car.
HP vs PCP vs Personal Loan
| Finance feature | Hire Purchase (HP) | Personal Contract Purchase (PCP) | Personal loan |
|---|---|---|---|
| Requires initial deposit | Optional | Optional | × |
| Car is yours at the end | ✓ | Optional (balloon) | ✓ |
| Fixed monthly payments | ✓ | ✓ | ✓ |
| Optional final (balloon) payment | × | ✓ | × |
| Avoid excess mileage charges | ✓ | × | ✓ |
| Secured against the car | ✓ | ✓ | × |
| Support with vehicle issues | ✓ | ✓ | × |
| Available with bad credit | ✓ | ✓ | ✓ |
We work with 15+ trusted UK lenders
A smarter way to finance your next car
15+ lenders, 100+ deals
Access to a wide UK lender panel means we're more likely to find the right deal for you.
Soft search only
Getting a quote won't affect your credit score. A hard search only happens if you go ahead.
Tailored expert advice
UK-based advisers guide you at every step — by phone, WhatsApp or online.
Fast & efficient
Instant decisions in minutes and same-day delivery or collection once approved.