Sole Trader Car Finance

Sole trader?
Finance the car in your own name.

You don't need a limited company to finance a car. We introduce sole traders to lenders who assess you as an individual trading in your own name, not a corporate structure you don't have.

Get Your Free Quote ๐Ÿ’ฌ WhatsApp Us

No obligation ยท Takes 2 minutes ยท All credit considered

โœ… ICO Registered โ€” ZC067741
โœ… All credit considered
โœ… Response within 2 hours
โœ… 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 โ€” 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 โ€” 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

No company number required

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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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Assessed as you actually trade

Plenty of finance sites quietly assume a limited company with filed accounts. We work with lenders who understand a one-person business and price it fairly.

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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.

๐Ÿ”’ Your data is protected under ICO registration ZC067741. We never sell your details.

โœ… Enquiry received!

Thanks โ€” 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

Sole trader car finance, answered

Yes. As a sole trader you and the business are the same legal entity, so the lender assesses your personal credit file alongside your trading income. Most agreements are written in your own name.
Photo ID, proof of address, and usually three to six months of business bank statements plus your latest SA302 with tax year overview. Two years of trading history opens the widest choice of lender.
Yes, that is the normal position for a sole trader and does not need to be declared separately the way it would for a company car. Tell us how you use it so we introduce you to lenders who price it accordingly.
No. Trading below the VAT threshold is completely normal and will not stop you getting finance. It only means there is no VAT to reclaim, which is a detail for your accountant rather than a barrier here.
As a sole trader the two aren't legally separate, so the agreement and the liability are yours personally either way, whichever name it is written in.