1
Answer the questions
Use your usual monthly income before tax, and the length of your current self-employment in months.
Car finance for self-employed drivers
Self-employed customers can check finance eligibility with Oakwood. The questions currently ask for your employment status and, if you are self-employed, how many months you have been in your current self-employment — along with income, housing, budget and deposit.
Get a personalised finance profile with no impact on your credit score.
Self-employed and car finance
Being self-employed does not stop you exploring finance. Eligibility is the same journey as for employed customers, with one extra question about how long you have been self-employed.
Oakwood does not list extra documents on this page. Anything needed for a full application is confirmed later by the finance provider.
How Oakwood can help
Check eligibility with a soft search. You will see a result on screen and can use a finance profile, if you receive one, while you browse.
When you are ready, build a deal on a specific vehicle. That is when a regulated application happens — not on this educational page.
What eligibility currently asks
Employment status, and months of current self-employment if that applies. Monthly income, living situation, a comfortable monthly payment band, a deposit you could put down, and whether you have a car to part exchange.
Further evidence, if a lender needs it, is confirmed later by the finance provider. This page does not invent a document list.
From eligibility to a deal
2
See your profile
If eligibility is successful, browse cars with personalised monthly figures. This is still an illustration.
3
Build the deal later
Configure HP or PCP, deposit and term on the vehicle. Final terms are confirmed during the application.
Frequently asked questions
Can self-employed people get car finance?
You can check eligibility as a self-employed customer. That does not guarantee a lender will offer finance. Individual circumstances are assessed during eligibility and, later, a full application.
What documents do I need?
Eligibility currently asks the questions shown in the journey, including how many months you have been self-employed. Extra documents are not listed here until the finance provider confirms them.
Is this an application?
No. Eligibility uses a soft search and does not affect your credit file. A regulated application happens when you build a deal on a specific vehicle.
Check my eligibility
Get a personalised finance profile with no impact on your credit score.