Near prime credit means you're just outside of the best credit brackets — and you deserve a finance deal that reflects your progress. At Deal4Wheels, we specialise in helping near prime customers secure fair, flexible car finance — often with no deposit required and rates below subprime lenders.
Near prime customers usually have a fair or slightly below-average credit score (typically 600–699). You may have:
One or two missed paymentsLow credit utilisationShort credit historySettled defaults or past CCJsA steady income with minimal debtCustomers with stable income and mild credit blipsYoung professionals with thin filesSelf-employed workers with 1–2 years’ accountsApplicants previously rejected by high street banksAPR will likely be higher than prime but lower than subprimeProof of income/stability may be requestedA deposit may help secure a better deal, but isn’t essentialSubprime involves higher risk and more missed payments. Near prime customers often have stable finances with minor or older blemishes.
Possibly. But if you need a car now, our lenders offer deals that can still help you build credit over time — responsibly.
PCP is more common as it offers lower monthly payments, but we’ll advise based on your goals.
Not typically. Near prime applicants are often approved independently.
No. Our eligibility checker is invisible to other lenders and doesn’t affect your score.
