Self Employed Car Finance 

Car Finance For Self Employed Drivers

Being self-employed shouldn’t stop you from getting the car you need.

At 1OF1 Car Group, we help self-employed drivers, sole traders, freelancers and company directors secure car finance tailored to their circumstances.

Whether you run your own business, work as a contractor, or receive irregular income, we work with a wide panel of lenders to help find finance options that may suit you.

Can Self Employed People Get Car Finance?

Yes. Many lenders offer finance options for self-employed applicants.

However, because self-employed income can vary from month to month, lenders may ask for additional information to assess affordability.

This can include:

• Recent bank statements
• SA302 tax calculations
• Tax returns
• Proof of business income
• Proof of address and ID

At 1OF1 Car Group, we help guide you through the process and match you with lenders experienced in working with self-employed customers.

We regularly help finance vehicles for:

• Sole traders
• Limited company directors
• Freelancers
• Contractors
• Gig economy workers
• Small business owners

Even if your income fluctuates or you’ve only recently become self-employed, finance options may still be available depending on your circumstances.

How Our Process Works

1. Apply Online
Complete our quick online application in minutes.

2. 30 Second Eligibility Check
We run a soft credit check to assess potential finance options without impacting your credit score.

3. Finance & Vehicle Options
If approved, we can help arrange finance and assist with sourcing a suitable vehicle.

Benefits of Self Employed Car Finance

✔ Finance options tailored to self-employed income
✔ 30 Second Eligibility Check available
✔ Access to a panel of specialist lenders
✔ Quick online application
✔ Vehicle sourcing support available

What Documents Might Be Required?

Lenders may request documents to confirm your income.

These could include:

• SA302 forms
• Tax returns
• Business bank statements
• Accountant references
• Proof of earnings

Our team can guide you through exactly what’s needed to make the process as smooth as possible.
Self Employed With Bad Credit?

Having bad credit does not automatically mean you will be declined.

Some lenders specialise in helping applicants with:

• Poor credit history
• Missed payments
• Defaults
• CCJs

While approval cannot be guaranteed, we will always aim to match you with lenders most suited to your situation.

Submit your application today and find out what self employed car finance options may be available to you.