Flexible finance plans. Affordable monthly payments.
As a car finance company, we believe it’s important to be able to offer as many people as possible the option to get their dream car here at Concept Car Credit.
A self-employed car finance deal works just the same as any other finance plan. We’ll need a few documents to prove your income, and then the process can get started. Speak with our team to learn about what’s needed.
Similar to other loan and finance types, such as mortgages and credit cards, it can be harder to get approved for car finance as a self-employed person.
In fact, it’s a very common car finance problem that self-employed people face.
But when you choose Concept Car Credit, this isn’t the case. Our flexible options for self-employed people keep in mind that your income might be more irregular or differ from month to month while catering to individual payment preferences.
Whether you’re a freelancer, business owner, or contractor, you can get a personal contract purchase (PCP) or hire purchase (HP) agreement on a used car of your choosing. Plus, if you’re wondering what the interest rates would look like, don’t fret – we start from 15% APR.
Even if your credit score has taken a hit since working for yourself, we specialise in providing finance options for those with more complex financial backgrounds, regardless of credit history.
For illustration purposes only. The rate and payment you may be offered will be based on your individual circumstances.
Concept Car Finance Limited is a credit broker, not a lender. Credit is subject to status.
£0.00
at 14% APR
Vehicle Price: £0.00
Deposit: £0.00
Amount to Finance: £0.00
APR: 0.00%
Option-to-purchase fee: £10
Total Cost of Credit: £0.00
Total Repayable: £0.00
Fill out your details below to submit your application
When it comes to getting a car finance deal as a self-employed person, there are a few more things you’ll need to bring, including bank statements and your latest trading accounts to provide evidence of your income and show you can make the monthly payments.
But when you choose Concept Car Credit, you don’t have to worry about the approval process. We accept all drivers regardless of employment type and credit history, getting them behind the wheel of their chosen used car.
All you need to do is give us a call or apply online, and we’ll arrange an appointment with one of our car finance experts. You can then take a look at our available used cars, test drive your favourites, and ask as many questions as you need.
Once you’ve made your decision, we’ll go through your application and run you through the finance protocol, including monthly payments and what to do when your plan comes to an end.
After you sign on the dotted line, you’re free to drive off the lot, enjoying all the benefits that come along with used car finance for self-employed people.
At Concept Car Credit, we offer flexible self-employed car finance that’s tailored to your real income, not rigid employment criteria.
This means freelancers, contractors, and business owners can get the car finance they need.
We assess what you can afford using bank statements and trading accounts, even if your earnings vary, and support customers with complex or bad credit histories by focusing on your current situation rather than the past.
With competitive finance options, both HP and PCP agreements available, and a fast, straightforward application process, we make car finance simple and accessible. Plus, our excellent customer service is reflected in a strong 4.7 Trustpilot score from thousands of reviews, showing our commitment to helping self-employed drivers secure the finance they deserve.
If you’re a self-employed worker, you still get the choice of personal contract purchase and hire purchase car finance agreements.
There are pros and cons to each, depending on your income and payment preferences, which our team can advise you on.
Of course!
If you have a poor credit history or even a bad credit history, we’ll work around your lifestyle and budget so you know you can afford every payment. If life gets in the way, just let us know, and we’ll tweak your plan so you don’t have to worry about missed or late payments.
Our application and approval process takes under an hour, so you could be driving your new car just 60 minutes after applying!
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
