Self-employed car finance
Sole trader, contractor or director? We match you to lenders who read real self-employed income properly.
4.8/5·Trustpilot·FCA regulated
Self-employed income doesn't fit the payslip box, and lenders that don't understand that will underquote you. We work with a panel that reads SA302s, latest accounts, or (for newer traders) 3–6 months of business bank statements — and we know which lender is the right home for each shape of income.
Best for
- Sole traders with 12+ months of trading history
- Limited-company directors taking salary + dividends
- Contractors on day rates via a personal service company
- Newer traders with fewer than two full tax years
Pros
- Multiple income proofs accepted — SA302, accounts, or bank statements
- Dividends counted as income (not ignored)
- Soft-search eligibility — no impact on your credit score
- Personal or business agreements matched to your accountant's advice
Things to consider
- Very new trading (under 6 months) has a narrower lender pool
- Cash-heavy businesses may need extra bank-statement evidence
- Retained profits in the company aren't always counted as personal income
How self-employed works
Show real income
SA302, latest accounts, or 3–6 months of business bank statements — whichever you have to hand.
Match the right lender
We route you to lenders on the panel that read your income shape correctly.
Sign personally or via the company
Personal HP/PCP or a business agreement — whichever your accountant prefers.
Self-employed cover often needs more than a standard policy — business use, goods in transit, public liability. Our insurance partner Premier Insurance arrange cover for sole traders and small limited companies.
Our insurance partnerSelf-employed FAQs
Let's get you on the road.
Check your eligibility in minutes with a soft search that won't affect your credit score.
FCA regulated. Real people available to help.