Whether you’re active in the British Army, Royal Navy, RAF, or a veteran returning to civilian life, Deal4Wheels helps you secure car finance that respects your service. We understand the unique income patterns, overseas postings, and security needs of armed forces personnel — and work with lenders who do too.
Serving UK Armed Forces (Army, Navy, RAF)Reserves & Territorial Army membersMOD civil servants and contractorsVeterans and recently discharged personnelForces families (spouse/partner finance in joint or sole names)Our FCA-regulated lender panel offers:
Hire Purchase (HP) — own the car after final paymentPersonal Contract Purchase (PCP) — flexible upgrade/return optionsNo-deposit car finance — subject to eligibilityBad credit or thin file support — for those with minimal civilian credit historyOverseas service flexibility — including UK base address consideration“After 14 years in the army and being stationed abroad, I struggled to get approved elsewhere. Deal4Wheels found me a no-deposit finance deal on a Ford Kuga within 48 hours. They genuinely understood my circumstances.” — Sgt. Lewis M., Portsmouth
Financed with irregular income proofForces discount appliedApproved via soft credit checkService members with inconsistent pay cyclesMOD employees or veterans rebuilding creditMilitary families with complex financial historiesOverseas postings may require a UK guarantor or UK addressPCP mileage caps may not suit long-distance returneesYes, as long as you have a valid UK address and can provide the required ID and affordability documents.
Absolutely. Spouses/partners can apply jointly or in sole name depending on income and credit profile.
Many military applicants fall into the 'thin file' category. We work with non-prime lenders who understand this.
Yes — selected partners offer reduced APRs, admin fee waivers or bundled extras for qualifying applicants.