HQ Sourcing Ltd T/A Nationwide Motor FinanceFCA authorised and regulatedFRN 1054103Credit broker, not a lender

Self-employed car buyers

Prepare the evidence behind an affordable car-finance enquiry.

Self-employment does not automatically prevent a car-finance enquiry. A provider may need suitable evidence of income, trading history and affordability before deciding whether finance is available and on what terms.

  • Real used cars in stock
  • Some lender decisions in seconds
  • Initial review within one working hour
  • 12.9% representative APR
Prepared and reviewed by the Nationwide Motor Finance team for HQ Sourcing LtdLast reviewed 25 August 2026

Start here

A real car-finance enquiry, without leaving this page.

Choose a car in stock or tell us your monthly budget. Your answers help our team identify ready-to-talk enquiries and prepare for a useful callback.

  • Real dealership stock
  • No credit check on this form
  • England, Scotland and Wales
About 60 seconds

Start a self-employed finance enquiry

Share the essentials. Extra finance details are optional and can help us prepare.

1Your contact and buying intentRequired
Add finance details for a faster call Optional

These answers help the team discuss realistic options. You can also provide them by phone.

HQ Sourcing Ltd T/A Nationwide Motor Finance is authorised and regulated by the Financial Conduct Authority, FRN 1054103. We act as a credit broker, not a lender. Finance is subject to status and affordability.

We may receive commission from a finance provider following an introduction. The nature and basis will be explained before an agreement, and the amount is available on request.

No credit check at this stage · No obligation · Finance is subject to status and affordability

01

Information a provider may request

Requirements vary between providers. Depending on the circumstances, you may be asked for recent bank statements, tax calculations or tax-year overviews, proof of address, identification and details of existing commitments.

Accurate information matters. Income can vary from month to month, so choose a monthly vehicle budget that remains manageable during quieter trading periods as well as stronger months.

  • Proof of identity and address
  • Recent personal or business bank statements
  • Tax calculations or tax-year overviews where requested
  • Details of regular commitments and living costs
02

Start with the vehicle and the full running cost

Select a current car and compare the illustration with insurance, tax, fuel, servicing and maintenance. A lender may also apply criteria based on the vehicle's age, mileage and value.

A deposit or accepted part exchange can reduce the amount of credit requested, but it does not guarantee acceptance or a particular APR.

03

An enquiry is not an approval

The form on this website sends an eligibility enquiry to our credit-broker team. It does not search your credit file or provide an approval in principle.

If you decide to proceed, the relevant provider will explain the evidence, checks and consent it needs before making its own status and affordability decision.

Current vehicle examples

Start with a car you can see.

These monthly figures are illustrations, not quotes. Open a vehicle to see its full gallery and details.

View all current cars and monthly illustrations →

Helpful answers

Questions about car finance for self-employed drivers.

Can self-employed customers get car finance?

It may be possible, but availability is not guaranteed. The provider decides after reviewing status, affordability, evidence and its criteria.

How much trading history is required?

Requirements differ between providers. Ask what evidence is needed before making a full application.

Will this enquiry search my credit file?

No. The on-site enquiry does not run a credit search. A provider must explain any later search before it takes place.

Does a deposit guarantee acceptance?

No. A deposit can reduce the amount borrowed, but the provider still completes its own assessment.

Ready when you are

Ask about a real car and a realistic monthly budget.

The on-site form sends an eligibility enquiry to our credit-broker team. It is not a finance application or lender decision.

Start a self-employed finance enquiry
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