If you’ve built a strong credit profile and manage your finances well, you’re considered a prime customer — and you deserve finance terms to match. At Deal4Wheels, we connect prime-rated drivers with our best rates, highest approval odds, and the most flexible terms — from 0% deposit to upgrade-friendly PCP deals.
Prime customers typically have credit scores of 700+, a stable income, and a clean payment history. You're more likely to:
Get access to low APR offers (starting from 7.9%)Be eligible for larger loan amountsQualify for no-deposit or £0 balloon PCP offersEnjoy wider lender choice and early settlement flexibility“As a homeowner with a top credit score, I wanted the best finance deal available. Deal4Wheels secured a Tesla Model 3 on a low-rate PCP with no deposit and a trade-in bonus. The process was smooth, professional and fast.” — Priya S., Birmingham
Approved for 7.9% APR PCPPart-exchange with equity upliftEarly upgrade option after 24 monthsHomeowners or tenants with clean credit filesProfessionals, business owners, or retirees with stable incomesDrivers looking for lower monthly payments, premium cars, or EVsAnyone seeking 0% deposit car finance with quick approvalYou may have multiple offers to compare — let us help decode the fine printSome lenders offer conditional rates (e.g. for specific vehicle types or APR bands)Prime customers have higher credit scores, fewer missed payments, and lower debt-to-income ratios — allowing access to better terms and rates.
Yes — most of our prime-approved lenders offer zero deposit car finance, subject to affordability checks.
Some lenders start from 7.9% fixed APR, depending on vehicle, term and credit strength.
Yes — PCP finance allows upgrades or vehicle swaps typically from month 24 onwards.
You can choose Hire Purchase (HP), where you own the car outright after the final payment.