Flexible Payments, Tailored Solutions, and Access for All – Experience the Power of Self-Employed Car Finance Today!
Are you a freelancers, contractor, or business owner? Self-employed car finance is a tailored solution that enables self-employed people like you to access car finance without the usual constraints of conventional employment-based criteria.
Here at CarFinanceToday, we facilitate the purchase of vehicles for people with different types of work arrangements. Unlike traditional car loans, self-employed car finance encompasses a wider range of incomes and financial profiles. Perfect for self-employed people like you!
Whether you look to expand your business or just seek good, reliable wheels, this financing option covers all the bases so your employment status doesn’t get in your way.
We’ll help you find flexible terms and payment schedules fit around your cash flow and circumstances. At the end of your contract, you’ll have several options:
At CarFinanceToday, we’re keen that everyone—regardless of their bank statements or credit rating—should have access to great car finance with fair terms. That’s why we go above and beyond to offer a range of industry-leading self-employed car finance deal options you’ll love. Whatever your job and whatever your motor needs, let’s get you on the road!
Looking to buy a car outright through financing? Hire Purchase could be a fantastic option. HP will let you spread the cost of your dream car over fixed monthly payments within your budget. This gives you the stability and the predictability every self-employed person needs. Plus, you won’t have any mileage limits, either! Many of our partnered car finance companies offer exceptional HP terms for self-employed people.
Perhaps you’d rather pay less each month and decide on buying the car outright later. Personal Contract Purchase car finance is ideal for those who can’t guarantee a set monthly income and prefer flexible monthly payments—not to mention flexible end-of-term options! At the end of a PCP car finance deal, you’ll have the option to buy or return the vehicle—the power’s in your hands!
Did you know that in some cases it’s possible to secure a great car finance deal without a deposit? That’s right: our trusted lenders can help you skip the deposit and pay it in fixed monthly payments instead—even for the self-employed! This type of car finance is perfect for those who have regular income but can’t afford a large deposit at this time.
Struggling with a poor credit history? Don’t panic: a great car finance deal could still be an option! Many of our lenders offer flexible Guarantor Loans, meaning you’ll get the same great rates and monthly payment structure, only backed by a reliable third party.
Choosing the right self-employed car finance deal comes down to your needs and preferences. Here’s a quick breakdown we think you’ll find useful:
PCP could be a great option. With PCP, much of the cost of the vehicle is put into an optional final balloon payment instead of monthly instalments.
Then choose HP. Hire Purchase is a great way for the self-employed to pay for a car without a high upfront cost. Instead, spread the cost over fixed monthly instalments.
Your best bet is a No Deposit car finance agreement with one of our trusted lenders. They’ll help you pay the cost of the deposit in monthly instalments instead.
In this case, Guarantor car finance presents the best option. You’ll still be able to access leading interest rates and good terms despite having poor credit history!
Self-employed people like you know just how crucial budgeting is. Do yourself a favour and use our free online car finance calculator to get your bank statements in order and figure out how much you can pay each month.
Head of Content and Conversion
Ready to explore your options? Great! With CarFinanceToday, getting flexible self-employed car finance doesn’t have to be a headache. We’ve made the process quick and easy so you can secure a deal and drive away as soon as possible. Here’s how it works:
Apply for self-employed car finance with us, and we will work with a network of trusted lenders to find the best solution for your needs. This process involves a soft credit check, meaning that your credit score remains intact while we check your eligibility. Whatever your financial situation, we can help you obtain the right deal.
You’ll need to be at least 18 years old and have at least three years’ address history in the UK. You may need to provide proof of income, such as bank statements or tax returns, to show you can afford repayments.
We only perform soft credit checks so that your credit score isn’t affected while we explore your options.
A good credit score does help, but it’s not the only determining factor. Lenders will also consider how well your business is performing, how stable your income is, and your debt-to-income ratio.
We make your car financing easier by offering you personal support and access to the most competitive deals regardless of employment status.
Whether you need car loans for business journeys, family errands, or just plain personal use, we connect you with the best deals from trusted lenders - even if your credit history isn't perfect.
With an account manager, the process from start to finish is stress-free and transparent.
You can’t beat the flexibility of self-employed car finance. You could elect to either keep the car, return it, or upgrade it as your needs change at the end of your deal.
Spread the cost over installments tailored to your cash flow.
Simply pay for the depreciation of the car, so it will be more affordable and within your budget.
You may face additional charges per mile if you go over your agreed allowance.
Yes, although this is possible, this may incur early termination fees, depending on your contract.
Absolutely not – all credit levels can apply; financing options are available for all budgets.
You can return the car, provided your mileage and condition of the car meet the agreement terms with no additional costs.
To get a good deal, you’ll need a few things: proof of income with bank statements, financial stability, and a credit report included.
It depends on your financial situation, but in general we recommend Hire Purchase or Personal Contract Purchase as popular options.
It’s always a good idea to maintain accurate financial records and try to improve your credit rating. You might also want to save for a deposit.
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