At Deal4Wheels, we recognise the commitment, shift work, and complex income structures of police officers and emergency services staff. Whether you're in uniform, CID, support, or retired from the force, we offer police car finance with flexible terms and FCA-regulated support — with zero-judgement underwriting.
Police Constables, Sergeants, and InspectorsPCSOs, CID officers, and detective ranksPolice staff, civilian employees, and control room operatorsSpecial Constables and volunteer officersRetired or medically discharged police professionalsOur panel of specialist lenders offers:
Hire Purchase (HP) — own the car with fixed monthly paymentsPCP — pay less monthly, then choose to upgrade, return, or buyNo-deposit finance — drive now, pay later (subject to approval)Low-rate APR offers — for Blue Light workersSupport for bad credit — or historic defaults“As a senior officer, I needed a reliable and fuel-efficient SUV for commuting across divisions. Deal4Wheels made it happen with a low-APR PCP on a VW Tiguan. Total discretion and no pressure.” — DCI Helen Thompson, Greater Manchester Police
PCP with optional final paymentNo upfront depositApproved and collected in under 48 hoursPolice officers needing fixed and predictable costsApplicants with shift-based income structuresPeople wanting regular vehicle upgrades via PCPHigh-mileage users exceeding PCP limitsApplicants in probation periods with low affordabilityYes — though options may be limited, we work with lenders who accept probationary contracts.
Yes — payslips from varied shifts or overtime are accepted. We also accommodate irregular bonus structures.
Our lenders include non-prime specialists who consider recent defaults or soft credit files.
Absolutely. Many officers choose joint applications to increase affordability.