4.9 stars - based on 215 votes

From £3,000 – £50,000

26.9% APR REPRESENTATIVE

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Self Employed Car Finance

Car Finance in
3 Easy steps!

Or call 03339 000 000

Complete our Simple Application Form and we will review your application. We aim to get you Approved in less than 1 hour with no impact on your credit score.

We aim to get you Approved in less than 1 hour with no impact on your credit score.

Once Approved, you can start looking for your new vehicle or your Dedicated Advisor will be on hand to help you search.

Once Approved, you can start looking for your new vehicle.

Your Dedicated Advisor will assist you with the paperwork and ensure the funds are paid to the dealership swiftly so you can collect your new vehicle ASAP.

Relax you're in good hands!

If you are looking for Car Finance, you have come to the right place.

Here at Midland Credit, we believe in making the process of getting Car Finance as simple as possible.

Each month we approve around £35 Million worth of vehicle finance applications. We offer competitive finance deals with zero deposit required from our extensive panel of lenders and we do not charge any Admin Fees for our service.

Our process is extremely simple and can take less than 48 hours from making an initial application to driving away your new vehicle. In most cases, we can complete online income verification, meaning we should only need to see a copy of your driving licence, speeding up the process furthermore.

Our car finance products will be based on your current credit status and not just your previous financial history. If you have Good, Fair or Poor credit, we are sure to have options to help in most circumstances. The rate offered will be the very best from our panel of lenders for your individual credit profile and situation. We have lenders that cover both Employed and Self-Employed customers together with Contractors.

You can Buy Any Car From Any Dealer and we can finance most popular makes & models. Once approved you will be assigned a Dedicated Finance Advisor who will be on hand throughout the whole process to help you find a suitable vehicle, making your car buying experience as easy as possible.

Your financial advisor will complete a Full HPI check on your chosen car completely free of charge, giving peace of mind that your new purchase hasn’t been stolen in the past, written off and has no current finance outstanding.

You can complete our Simple Application Form or if you would prefer, you can apply over the phone with one of our friendly advisors. Either way, we aim to give you great service and a decision within the hour without any impact on your credit score.

It really is an easy process, so why not complete our Simple Application Form or call us on 03339 000 000 to apply and you could be driving your new vehicle in just a couple of days.

Don’t just take our word for it, we currently have over 6,000 5 Star reviews on Trustpilot and growing.

Why use us?

'Over 6,000 5 Star Reviews
on Trust Pilot and growing!'
'Dedicated Finance Advisor from start to finish'
'FREE Valuations with Glasses Guide'
'FREE HPI Check on all the vehicles we finance '
'Extensive panel of lenders to increase approvals '
'All credit histories welcome'
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We often get asked...

All circumstances are considered.  Whether you are employed, self-employed, retired or receive some of your income through benefit payments, as long as your monthly income after tax is £1,000 or more, we have lenders that will consider your application.

Some lenders in our panel, are also able to assist customers who have a poor credit history, are currently in an IVA or have previously been bankrupt.

All circumstances are considered.  Whether you are employed, self-employed, retired or receive some of your income through benefit payments, as long as your monthly income after tax is £1,000 or more, we have lenders that will consider your application.

Some lenders in our panel, are also able to assist customers who have a poor credit history, are currently in an IVA or have previously been bankrupt.

When applying for finance, the lenders that we work with conduct a soft credit search, which will only be visible to you, but not other finance providers.  The good news is that these searches will not affect your credit score.

We work with lenders that can offer finance between £3,000 and £50,000.  Your credit limit is determined by the lender with no need to provide income proofs in most cases and this will be confirmed by your dedicated finance advisor.

In almost all cases, a deposit is not required to finance a vehicle, however, a deposit or part exchange can be used if you want to reduce the amount that you borrow and your monthly payments.

Midland Credit are a specialist vehicle finance broker and use a panel of lenders with products to suit all credit circumstances.  This does not mean that credit is guaranteed, although, we have one of the highest approval rates in the motor finance market.

We can provide finance for vehicles from thousands of licenced dealerships in the UK and Northern Ireland.  We will, of course, check that the dealership is reputable before you proceed so that you have a smooth buying experience.

Midland Credit does not charge any fees for arranging your finance as our service is free of charge.  Our income is generated through a commission that we receive from the lender when a finance agreement is taken out.

The lenders that we work with offer finance on a Hire Purchase or Conditional Sale agreement where the whole cost of the car is split across a series of fixed monthly payments, typically spread over two to five years. You will own the vehicle as soon as you’ve made the final payment at the end of the finance agreement.

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