Self Employed
Car Finance

Car Loans | CarFinance 247
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Rates from 7.9% APR. Representative APR 20.7%
Car Loans | CarFinance 247
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Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6,500 over 5 years with a representative APR of 20.7%, an annual interest rate of 20.7% (Fixed) and a deposit of £0.00, the amount payable would be £168.48 per month, with a total cost of credit of £3,608.67 and a total amount payable of £10,108.67.

We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way.

Can I get car finance if I’m self-employed?

Yes! If you’re self-employed, you can get car finance. No matter your employment status, we’ll look to find you the best deal from our panel of lenders.

According to the Office of National Statistics, 4.2 million people in the UK are self-employed (Aug 2021). And who could blame them? Flexible work schedules, picking and choosing the jobs you take, and being your own boss are just a few of the perks that come with self-employment.

But the trade-off for these freedoms can often be financial uncertainty. Unlike a 9-5 worker, you might not have a set payday and your salary could change every month. This unpredictability can make it tough for self-employed people to secure a loan.

At CarFinance 247, we don’t believe that choosing a different career path should stop you from finding and funding your dream wheels. And if you’re looking for self-employed car finance, we could help!

Get a no obligation quote.

How to get car finance when you're self-employed

At CarFinance 247, we don’t believe that choosing a different career path should stop you finding and funding your dream wheels. Watch this short video to find out more.

Why can it be difficult to get car finance when you’re self-employed?

Finding finance can be frustrating when you’re self-employed. Why? It’s all about uncertainty.

When you’re employed by a company and have a set salary, lenders have a good idea of how much money you’ll have and when.

Self-employment is a little more complicated. There are no guarantees. You might have some months when you’re working every day and all your invoices are paid on time, and others when projects move more slowly and you’re chasing late payments. That uncertainty can make some lenders more wary.

That’s why we work with a panel of lenders so we can help people with a range of employment circumstances find finance, including self-employed, temp, and agency workers.

How to prove your income if self-employed

Proving your income can be more difficult when you’re self-employed. The lenders we work with might ask you to provide three months’ worth of bank statements or invite you to use open banking, which can help lenders understand your incomings and outgoings.

If you plan to use your car for business or you’re a driving instructor or taxi driver, we could still help – just let your account manager know.

Self-employed with bad credit

You can still find car finance if you’re self-employed with bad credit. We understand that the unpredictable nature of working for yourself can make it tough to stick to rigid payment schedules sometimes. If you’ve missed payments or been refused finance in the past, it doesn’t have to be the end of the road.

We work with a panel of lenders including some that can help people with bad credit find a loan. This includes people with CCJs, defaults and IVAs, subject to approval. 

Self-employed van finance

If you need new wheels for work, we could help you find finance for a van. No matter whether you’re looking for a spacious Ford Transit or a speedy Volkswagen Caddy, our panel of lenders includes those who can offer van finance for people with a variety of different circumstances, including the self-employed. Just let your account manager know that you’re looking to find finance for a commercial vehicle.

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Self-employed motorbike finance

Prefer to travel on two wheels instead of four? Our panel of lenders also includes those who can provide motorbike finance. Whether you’re looking for a bike for work or want to go full throttle on the weekend, we have loan options available for motorcyclists with a range of circumstances.

Why come to us for car finance if you’re self-employed?

For us, used car finance is all about helping people improve their everyday lives.

Whether you need a car to commute to work, visit clients, or pick up the weekly shop, we’ll look to find you the best self-employed car finance deal from our panel of lenders.

Plus, you’ll have a dedicated account manager on hand to help you through the process, sort the paperwork, and speak to the dealership on your behalf.

What’s next? How to apply

It all starts with a quote. If you’re approved in principle, we’ll give you a call to talk through your options. Your account manager can answer any questions you have and grant you access to our car search – a treasure trove of over 100,000 used cars ready and waiting to find a home. Found a vehicle somewhere else? We can still help – just let your account manager know.

Frequently asked questions

You can apply for finance if you’re over 18 years old and have a minimum of three years’ address history in the UK. If you’re self-employed, you may need to provide proof of income in the form of three months’ bank statements or connect to open banking.


At CarFinance 247, we can help you secure one of two main types of car finance:

  • Hire Purchase – HP car finance is a loan that’s secured against your vehicle. You’ll pay fixed monthly repayments until you reach the end of the agreement and then you’ll own the vehicle.

  • Personal Contract Purchase – With PCP car finance, you don’t have to own the vehicle at the end of your agreement. Instead, you can hand it back, trade it in as a deposit in a new deal or pay the balloon payment to buy it.

Yes, you can finance a van for commercial use. Your account manager can help you find a van that’s suitable for your work, whether you need something big enough to hold all your tools or nimble enough to navigate narrow rural roads.


CarFinance 247 works with a panel of lenders, which means we can help you find finance for a range of different vehicles, including used cars, vans, motorbikes, and motorhomes.


At CarFinance 247, we work with lenders can finance amounts between £2,000 and £100,000.


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* The UK's number one online car finance broker by unique users to the website. Based on Hitwise data – 1,746,657 to CarFinance 247 vs. 666,020 for nearest competitor. January to December 2019.

96% of our customers recommend us: † Based on feedback left on independent review site Reviewcentre. May 2019.

CarFinance 247 is a trading name of CarFinance 247 Limited. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. (Registration Number 06035525).

CarFinance 247 is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 653019). CarFinance 247 is registered with the ICO (Registration Number Z1897658).

Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request.

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