Being self-employed shouldn’t stop you from driving the car you need. At Deal4Wheels, we help sole traders, limited company directors, freelancers, and CIS subcontractors get approved for car finance — even without traditional payslips.
Self Assessment SA302s (last 1–2 years)HMRC tax returns or UTR numberAccountant-signed income lettersBusiness bank statements (3–6 months)CIS payment statementsWe offer flexible solutions including:
Hire Purchase (HP) — Own your car after final paymentPCP (Personal Contract Purchase) — Ideal for lower monthly costsNo deposit deals — Start driving nowNon-prime lenders — Available for newly self-employed or adverse creditSelf-employed over 6 monthsSole traders, freelancers, or limited company ownersApplicants with regular monthly business incomeProof of income is requiredNewly self-employed (<3 months) may be limited to specific lendersYes — some lenders will accept as little as 3 months’ income with supporting evidence.
We work with lenders for all credit profiles, from excellent to bad credit or thin-file.
Yes — we offer director-led and business vehicle finance options.
Yes — if you have regular income through invoices or CIS statements, you may still qualify.
