From NHS professionals and teachers to emergency responders and transport staff, we recognise the critical role key workers play. That’s why Deal4Wheels offers car finance options designed to be as flexible and supportive as you are — with special consideration for your working hours, credit status, and vehicle needs.
We offer bespoke deals for those in frontline and essential roles, including:
Hire Purchase (HP) — Own the vehicle outright after the final paymentPersonal Contract Purchase (PCP) — Lower monthly payments with end-of-term optionsNo deposit — car finance options availableFCA-regulated lenders — that specialise in key worker affordability scoringBad credit or low credit score? — We’ve got lenders who understand“Working shifts at the NHS left little time to sort my car situation. Deal4Wheels not only found me a deal with zero deposit but got the car delivered to my door on my day off.” — Amina S., Paramedic, Birmingham
PCP finance on a hybrid ToyotaFlexible proof of income acceptedVehicle sourced via our marketplaceNHS staff and healthcare professionalsTeachers, teaching assistants, social workersPolice, fire, and armed forces personnelPublic transport, delivery, and food supply staffProof of employment may be requiredSome lenders may request minimum hours workedWhile not universal, some lenders offer enhanced affordability scoring or relaxed criteria for essential workers.
Yes — we work with specialist lenders who support key workers with non-prime credit files.
Absolutely — we’ve built our system to accommodate night shifts, zero-hour contracts, and flexible earnings.
Toyota Yaris, Ford Fiesta, Nissan Leaf, Hyundai i10, and Kia Niro — for their reliability, low running costs, and finance-friendly pricing.
Yes — depending on income and lender criteria, we support maternity and reduced hours applications.