Flexible finance plans. Affordable monthly payments.
Under the impression self-employed workers can’t get a car finance deal?
Think again.
As a car finance company, we believe it’s important to be able to offer as many people 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 – you just need a few more documents to prove your income.
Here’s what you need to know about getting used car finance when self-employed.
Similarly 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.
But when you choose us, 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.
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.
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 into the sunset, enjoying all the benefits that come along with used car finance for self-employed people.
Interested in self-employed car finance?
Looking for a company that doesn’t judge based on credit rating?
Concept Car Credit is here to help.
With new cars being added to our showroom regularly, you’ll have your pick of the bunch.
Simply apply online or give us a call to get started.
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, making it a big decision. Luckily, we have a knowledgeable team ready to answer your questions and recommend the most suitable deal for you.
Send your questions to website@conceptcarcredit.co.uk and we’ll get back to you as soon as we can, or give us a call to chat with us directly.
Of course!
One of the main benefits of shopping for used cars with Concept Car Credit is that you don’t have to worry about your credit report.
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. And, 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.
If you’re self-employed, with a poor to bad credit score, but still want to benefit from a car finance deal, we’re the company for you.
Get in touch to learn more, and kickstart your self-employed car finance journey now.
Unlike other car finance companies, we won’t waste your time.
Our application and approval process takes under an hour, so you could be driving your new car just 60 minutes after applying!
Secure car finance for self-employed people today with Concept Car Credit. Just give us a call or apply online for the next steps.
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
