At Deal4Wheels, we believe everyone deserves access to reliable transport — even if you’re on a tight budget. Our panel of lenders includes specialists in low-income finance, so you can find a car that fits your lifestyle and your wallet.
Part-time workersZero-hours contractsStudents or apprenticesFamilies on benefitsSingle-income householdsState pension recipientsTell us about your income — wages, benefits, pensionsSoft credit check — no impact on your scoreGet matched — with lenders accepting lower income thresholdsChoose your vehicle — from dealers or approved private sellersWe support Hire Purchase (HP) and PCP agreements — with flexible terms, low deposits, and early settlement options.
Households earning under £1,500/monthPeople with multiple income sourcesThose who’ve been declined by banks or main lendersFinance amount may be capped based on affordabilityExpect APR to vary depending on credit file and stabilityGuarantors may help strengthen your applicationYes — if your expenses are low and income is stable, approval is possible.
Yes — we consider all forms of verifiable income.
Not always, but it can improve your approval chances and rates.
Yes — our lenders consider affordability, not just credit history.
