If you’ve never borrowed before, getting car finance with no credit history can be tough — but not with us. At Deal4Wheels, we work with specialist lenders who understand that having no credit is not bad credit. Whether you're new to the UK, a student, or just starting your financial journey, we can help you finance your first car with confidence.
Start with a soft search — no impact on your scoreWe match you with lenders accepting 'thin-file' applicantsYou choose your vehicle from a reputable dealerFinalise your monthly budget and drive away“I had no credit history at all. No loans, no cards. I thought I’d get declined. Deal4Wheels helped me finance a Toyota Yaris through a soft-check application. Monthly payments were clear and affordable.” — Faisal S., Stoke-on-Trent
First-time finance approvalNo guarantor or deposit requiredCar delivered within 72 hoursStudents or graduatesYoung adults with no credit usageNew UK residents with no UK borrowing historyApplicants earning consistent incomeAPR may be slightly higher until credit history is builtLower-value vehicles may be better for approvalGuarantor might help in borderline casesNo. It just means you haven’t borrowed before — we work with lenders who understand this.
Not always. Some lenders may ask depending on affordability or employment type.
Lenders typically require at least £1,000/month income — including part-time jobs or student loans.
Yes — making on-time payments is one of the best ways to start building a positive credit profile.
Yes — as long as you can prove steady income.