If you’re self-employed, you might need to provide documents to verify your income. This could include tax returns, CIS vouchers, or payslips.

When you’re ready, you can get a quote in under 5 minutes and see if we can help you. If you’re accepted, one of our friendly experts will walk you through the process.

When you’re self-employed and seeking car finance, whether you’re a tradesperson, contractor, sole trader, or running your own business, your income may not be steady each month. Some lenders may view this as higher risk and prefer to lend to those with a stable income. This can make it difficult to get approved.

It might be even harder to get car finance if you’re self-employed with poor credit.

We understand that being self-employed doesn’t mean you won’t need a car to get around or to grow your business. Get a quote today and see if we can help you.

Car finance companies usually don’t ask for your everyday accounts when you apply for car finance as a self-employed person. Many, like Moneybarn, might ask for tax returns, CIS vouchers, or payslips to check your income.

Get a quote in under 5 minutes to see if we can help. If you’re approved, our friendly experts will assist you through the process.

Yes, we can help you finance a new or used car as long as it meets our lending criteria.

If you’re not sure if your car meets our criteria, or haven’t chosen a car yet, don’t worry! Our team of experts can help you through the process. Get a quote and find out if we can help you.

Getting a car loan as a self-employed person is dependent on several factors. If you earn over £1,300 a month (before tax) and can show 2 months of payslips, tax returns, or CIS vouchers, we could help. Get a quote and see how much you could borrow.

We can’t provide car finance for those wanting to finance a vehicle through their Limited Company. But if you’re self-employed, a sole trader, or a Limited Company director, we can help you buy a car.

When you’re self-employed (running your own business, working as a contractor, or freelancing), your income might vary each month. Some lenders might not provide finance to self-employed people because their income isn’t as consistent as someone in a full-time job.

Getting a car loan can be especially tricky when you’re self-employed and have bad credit. Lenders may view those with bad credit as higher risk due to past missed payments.

We’re specialists in lending to self-employed people and those with bad credit. Get a quote today, and if you’re approved, we’ll help you buy your next car.

Unfortunately, we don’t provide financing for cars used by couriers or delivery drivers.

When you get a quote, we use a soft search to check your eligibility. This doesn’t impact your credit score. Only when you’ve chosen your ideal car and contracts are prepared for your signature do we perform a hard search, which may affect your credit score.

While financing a car may initially impact your credit score, making payments on time throughout your agreement could lead to a potential increase in your credit score over time. However, this isn’t guaranteed and relies on your consistent payment of all other bills.

We help people with less-than-perfect credit to finance a car and gradually improve their credit score. Get a quote online and see what you could borrow.

Nothing is guaranteed to improve your credit score, but there are steps you could take to increase your chances of getting car finance:

• Register for the electoral roll if you haven’t already; lenders use this to verify your identity.
• Pay your bills in full and on time.
• Be mindful of how much credit you use and keep your credit utilisation low.
• Check for any errors or mistakes on your credit file.

For further information, you can read our article ‘How to improve your credit score‘.