Self-Employed Car Finance | Bigpage
Self-Employed Car Finance

Car finance built for self-employed drivers

Flexible car finance options tailored to freelancers, contractors, and business owners. Check your eligibility in minutes with no impact on your credit score.

Check My Eligibility How it works

No impact on your credit score  ·  Decision in minutes  ·  All employment types welcome

✓ No credit score impact
✓ 15+ years of experience
✓ Specialist lender panel
✓ Rates from 8.9% APR

Finance Options

Choose the right deal for you

Whether you're a sole trader, contractor, or limited company director, the same range of finance options is available to you as any other driver.

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Hire Purchase (HP)

Pay off the full value of the car in monthly instalments plus interest. Own the car outright at the end of your contract — the most popular option for used car finance.

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Personal Contract Purchase (PCP)

Lower monthly payments that cover the car's depreciation. Make a final balloon payment to keep the car, hand it back, or put equity towards your next vehicle.

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Personal Loan

Borrow a lump sum to cover the full cost of the vehicle outright. The car is yours from day one, with no mileage limits or end-of-contract conditions.

How It Works

Three simple steps to get driving

Our straightforward process is designed to get you behind the wheel as quickly as possible.

1

Apply online in minutes

Fill in our simple application form with a few details about you and your income. There's no hard credit check at this stage, so your score won't be affected.

2

Get matched with a lender

We search our panel of specialist lenders who understand self-employed income structures and find the most suitable deal for your personal circumstances.

3

Drive away in your new car

Once approved, choose your car and get on the road. We handle the paperwork so you can focus on running your business.

What You'll Need

Documents for your application

Lenders understand that self-employed income looks different. Here's what may be requested — the more you can provide, the stronger your application.

1

Bank statements

Typically 3–6 months of statements showing regular income into your account.

2

Company accounts

If you run a limited company, recent filed accounts can help demonstrate earnings.

3

HMRC employment history

A 5-year employment history document from HMRC confirms your self-employed status.

4

Tax returns (SA302)

Up to 5 years of self-assessment tax returns give lenders a clear income picture.

FAQs

Common questions

Everything you need to know about getting car finance when you're self-employed.

Will applying affect my credit score?
No. Checking your eligibility uses a soft search that has no impact on your credit score. A hard credit search is only carried out with your explicit consent, and only once you've been approved and chosen to proceed.
Can I apply if I have bad credit?
Yes. We work with a specialist panel of lenders experienced in helping drivers with poor or limited credit histories. Bad credit shouldn't automatically prevent you from getting self-employed car finance.
What if I can't provide proof of income?
We work with lenders who can consider applications with limited or no formal proof of income. Some can even verify income electronically, without you needing to send documents manually.
How can I improve my chances of approval?
Keep up-to-date financial records, improve your credit score where possible (registering on the electoral roll is a quick win), save a larger deposit, and make sure the monthly payments you're applying for are genuinely affordable.
Do I need a deposit?
Not necessarily — you can apply with no deposit. However, a larger deposit reduces your monthly payments and may help you access a better interest rate.

Ready to find your finance?

Check your eligibility in minutes. No impact on your credit score.

Get Started Today →

Bigpage is a credit broker, not a lender. Representative APR 18.8%. Subject to status.