No Deposit Finance (Self Employed)

Self employed?
Keep the deposit in the business.

Cash flow matters more when you're self-employed. We introduce you to lenders who'll fund the full cost of the car and assess your trading income properly, rather than assuming a deposit softens the risk.

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No obligation · Takes 2 minutes · All credit considered

ICO Registered — ZC067741
All credit considered
Response within 2 hours
UK based team

Simple Process

How it works

01

Submit your enquiry

Fill in the short form below. Takes under 2 minutes and there's no credit check at this stage.

02

We make the introduction

We pass your details to lenders who consider situations like yours — including some that do not deal with the public directly.

03

They come back to you

Any offers come to you from the provider direct. You decide whether to take one, and you can walk away — there is no obligation.

04

On the road

You complete the paperwork with the provider direct. Most people are driving within days of approval.

Why choose us

Income evidence does the work a deposit usually does

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A broad panel

We work with a broad panel of lenders rather than a single provider, so your details reach the ones most likely to consider you.

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Trading history in place of cash down

A solid trading history and clean bank statements can carry an application as far as a deposit would with some lenders — we know which ones weigh it that way.

Fast decisions

Most enquiries get a response within 2 hours. No waiting days to find out if you qualify.

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No hard credit check

Your initial enquiry uses a soft search only. Your credit score won't be affected until you say yes.

Get your free quote

No obligation. No hard credit check. Response within 2 hours.

🔒 Your data is protected under ICO registration ZC067741. We never sell your details.

✅ Enquiry received!

Thanks — one of our advisors will be in touch within 2 hours.
In the meantime, feel free to WhatsApp us if you have any questions.

Common Questions

No deposit car finance for the self employed, answered

Somewhat, since the lender is taking on the full amount with less established income evidence than a payslip provides — but it's far from unusual. Two years of accounts or SA302s makes it straightforward; twelve months is workable with a stronger credit file.
Recent bank statements, your SA302 with tax year overview, and proof of trading. The stronger and more consistent your income evidence, the more it does the job a deposit would otherwise do.
It can widen your options slightly, since some lenders view limited company trading as marginally lower risk, but plenty of sole traders below the VAT threshold get no-deposit finance regularly.
Yes — any equity in a vehicle you're trading in counts the same as a cash deposit, without touching your working capital.
Yes, honestly — financing the full amount means more interest over the term than the same car with money down. That's the trade-off for keeping the cash in the business.