Whether you're a site labourer, self-employed plasterer, or project manager on CIS payments, Deal4Wheels specialises in car finance solutions designed for the UK construction workforce. From vans to estates, we’ve got finance plans that understand variable income, contract work, and the need for reliable vehicles.
CIS-registered subcontractorsPAYE site workers and agency labourElectricians, plumbers, scaffolders, groundworkersProject managers and estimatorsSelf-employed builders and multi-tradersFCA-regulated lenders on our panel offer:
Hire Purchase (HP) — spread the cost and own your car or van outrightPCP (Personal Contract Purchase) — keep monthly payments lower£0 deposit options — subject to affordability checksSoft search — apply without damaging your credit scoreSpecialist bad credit lenders — including CCJs, defaults, and missed payments“I’m on CIS with no payslips, just bank statements and UTR. I needed a van for work but didn’t think I’d get finance. Deal4Wheels got me a deal in 24 hours — no deposit, straight to the point.” — Javed A., Plumber, Birmingham
CIS verified income acceptedHP agreement with early settlement allowedVan delivered to job siteTradespeople needing a work vehicleSubcontractors with steady average incomeWorkers with a limited credit historyUTR number (for CIS/subcontractors)Recent bank statements to prove incomeProof of site work or contracting arrangementYes — we accept weekly paid workers. Lenders will typically review your bank statements or income average.
Not always. If you’re CIS or self-employed, most lenders will accept your UTR number and recent bank statements.
Yes — we offer both car and van finance for tradespeople, depending on your needs and work setup.
We have lenders who specialise in bad credit, so there are options even with past financial issues.