You’re more than your credit file. At Deal4Wheels, we believe past financial setbacks shouldn't stop you from getting car finance today. We help customers with poor credit — including missed payments, defaults, or low credit scores — secure the right deal from FCA-regulated lenders.
We make it simple and judgement-free:
Submit your application – soft search onlyGet matched with non-prime lendersChoose from HP or PCP deals with clear termsBuy from a dealer or approved private sellerApplicants with low scores or previous arrearsSelf-employed with irregular historyPeople currently in IVAs (Individual Voluntary Arrangements)Rates may be higher than averageYou must prove affordability and IDMay require a small deposit or part-exchangeYes — our panel includes lenders who specialise in non-prime customers.
Not necessarily — most applicants are assessed individually on affordability.
Yes — subject to lender approval and vehicle value.
HP offers clearer ownership and simpler terms; PCP gives lower monthly payments. We'll help you choose.
Yes — as long as the seller and vehicle meet our FCA-compliant checks.
