Are you working on a fixed-term or freelance contract and worried it might affect your ability to get approved for car finance? At Deal4Wheels, we specialise in helping contract workers secure competitive vehicle finance — even without a permanent employer.
NHS and healthcare contractorsIT consultants on day ratesTeaching/education supply rolesRail, infrastructure, or engineering contractorsFreelancers or limited company contractorsYou can qualify for:
Hire Purchase (HP) — Own your car at the endPersonal Contract Purchase (PCP) — Lower monthly paymentsZero-deposit finance — Available with select lendersFlexible underwriting — Based on contract history, not job titleWe accept proof of income from umbrella companies, day-rate contracts, self-bill invoices, and more.
Contractors earning £1,500+/month netProfessionals on rolling or fixed-term contractsApplicants with good affordability but no “standard” employment3+ months of recent contracts or payslipsValid UK address and driving licenceMinimum age: 21No — lenders will assess your contract income and affordability.
Not always — self-billed or limited company invoices may also work.
Yes — especially if you have a strong contract history or repeat renewals.
Not necessarily — terms are based on income stability, not your job label.
