Self-Employed Car Finance: What Lenders Really Check

Being self-employed doesn’t mean rejection. Lenders now use open banking and bank statements to judge affordability.

What Lenders Look At

• Income consistency (tax returns, bank statements).
• Real-time spending habits.
• Vehicle type and purpose (business or personal).

Tips to Improve Approval

• Keep financial records accurate.
• Declare all income sources.
• Apply through FCA-compliant brokers.