PCO Car Finance

PCO driver?
Finance a vehicle that actually qualifies.

TfL's age limits, ULEZ compliance and the platforms' own vehicle requirements rule out a lot of ordinary car finance deals. We introduce you to lenders who understand exactly what you're buying and why.

Get Your Free Quote 💬 WhatsApp Us

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

Lenders who know what a PCO vehicle needs to be

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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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Income from the badge counts

Platform earnings are assessed properly as your income, not treated as an afterthought behind a payslip you don't have.

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

PCO car finance, answered

Yes, and it's worth checking TfL's current age and emissions requirements for private hire vehicles before you commit to a specific car — a lender won't stop you financing a non-compliant vehicle, but you won't be able to use it for private hire work.
Not always, but it strengthens the application considerably. If you're mid-application for your badge, tell us — some lenders will still consider you against your intended income, others prefer to wait until it's issued.
Lenders look at projected earnings from the platform, your driving history and any other income you have. A few months of platform statements once you're live make later refinancing or a second vehicle considerably easier.
For driving within the ULEZ zone without a daily charge, yes. It's worth factoring the charge into your numbers if you're considering a non-compliant vehicle, since it affects the real cost of the work, not just the finance.
Often, yes — see our dedicated page on PCO car finance with bad credit for how platform income specifically helps that conversation with a lender.