If you're claiming benefits such as Universal Credit, Disability Living Allowance (DLA), Personal Independence Payment (PIP), or other income support, you may still qualify for car finance. At Deal4Wheels, we work with lenders who assess your full affordability — not just employment status.
Universal CreditPIP / DLA / ESAChild Benefit or Tax CreditsCarer's AllowanceState Pension / Pension CreditHousing Benefit (as part of income mix)We match you with lenders that consider total household income, not just wagesBoth Hire Purchase (HP) and PCP may be availableYou may not need a depositJoint applications (e.g. with a working partner or guarantor) are allowedStay-at-home parentsPeople on DLA, PIP, or long-term health supportPeople combining benefits with part-time or casual incomeYou’ll need to show affordability with income evidence (e.g. bank statements)Some lenders may offer smaller finance limits or higher APRYes — if your overall affordability checks out, you can be approved.
Not always, but it helps if your credit score or income is low.
We may request proof of benefit payments, bank statements, and ID.
Yes — these are commonly accepted by many specialist lenders.
No. We use soft checks initially that do not impact your score.
