Even after bankruptcy, you still need a car to live, work, and rebuild. At Deal4Wheels, we specialise in post-bankruptcy car finance, working with lenders who assess real-world affordability — not just your credit history. Whether you’ve been discharged or are working toward a fresh start, we’ll guide you through your options and make car finance accessible again.
Tell us your discharge status — current or completedWe run a soft search — no credit impactYou get pre-qualified — with lenders who accept past bankruptciesChoose your vehicle and finance type — HP, Conditional Sale, or Guarantor if neededFinance available after discharge — (typically after 12 months)Some lenders may consider current bankruptcies — with specialist approvalNo deposit options availableCars up to 10–12 years old usually acceptedDischarged bankrupts looking to rebuild creditEssential workers or families needing a reliable carApplicants with stable income and updated bank statementsCurrent bankrupts need written approval from the Official ReceiverLenders may cap vehicle age and amount borrowedInterest rates may be higher, but fixed for affordabilityYes — especially if you’ve been discharged for 12+ months. We work with non-prime lenders who assess affordability first.
Possibly, but you’ll need approval from your Official Receiver, and some lenders won’t fund until you’re discharged.
Usually, yes — but it’s still fixed and structured based on your income. Many customers refinance later at better rates.
Not always — we’ll first try with non-guarantor options. If your affordability is borderline, a guarantor may help secure better terms.
No. Everything is private and regulated under FCA data confidentiality rules.
