Credit & affordability
Vehicle hire when you’re recently self-employed
Going self-employed often means you don’t yet have the years of accounts that finance lenders ask for. Short-term car and van hire is far more accommodating — it’s a rental, not a loan, all credit is welcome, and a guide quote needs no credit check.
Free, no obligation · No credit check to get a quote · All credit welcome
Hiring without years of accounts
Finance typically wants two or more years of accounts or SA302s. Short-term hire doesn’t — a partner can weigh your current income and circumstances instead, so being newly self-employed is much less of a barrier.
What helps your case
Recent invoices or bank statements showing regular income, plus clarity on your budget and any upfront amount, all help a partner say yes quickly.
How we work: we’re an introducer, not the rental company or a lender. We match you to a vetted short-term rental partner who confirms the final price and terms. You’re never charged to enquire, there’s no credit check to get a guide quote, and we tell you who we’re matching you with. This is short-term vehicle hire, not finance — no APR or credit agreement applies.
This is general information about short-term hire, not financial advice.
Questions, answered
Can I hire a vehicle if I’ve only just gone self-employed?
Usually yes. Short-term hire doesn’t need the years of accounts finance asks for — it’s a rental, all credit is welcome, and a guide quote involves no credit check.
How long are the hire terms?
Flexible short-term hire, roughly 6 to 36 months, with home delivery available. It’s a rental, not a multi-year finance agreement, so you’re not locked in.
Tell us your situation — we’ll match you
One short form, no credit check to get a quote. We’ll find the right short-term rental partner, usually the same working day.
Check my options →Related
Guide information · last reviewed August 2026. Your credit score and circumstances are personal — check your own credit report, and a rental partner makes the final decision.