At Carplus, we're more than just a car finance company – we're your trusted partner on the road to car ownership. As a key worker in the UK, you can rest assured you're in safe hands with us. As the UK's leading provider of car finance for key workers, we're with you every step of the road to ownership. Best of all, we use a soft search to assess your eligibility, so there's no impact to your credit record!

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Must be between £3,000 to £50,000
Your monthly payment
Total charge of credit£0
Total amount payable£0
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Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.

Who are key workers?

Key workers are the backbone of our nation, working tirelessly to keep our communities safe, healthy, and functioning smoothly. They include:

  • Healthcare Professionals: The dedicated doctors, nurses, and medical staff providing essential healthcare.
  • Social Care: Social workers, care assistants, and care home staff supporting the vulnerable.
  • Emergency Services: The brave police officers and firefighters protecting us daily.
  • Education: Teachers, teaching assistants, and support staff educating our children.
  • Retail: Shop workers ensuring access to essential goods and services.

These key workers are the pillars of our society. We applaud their dedication and commitment.

Our customers who have already got car finance!

  • High Acceptance Rate
  • Rated excellent on Trustpilot
  • Representative APR 21.9%

Will I get car finance as a key worker?

Absolutely! At Carplus, we are dedicated to providing car finance solutions for key workers. We recognize the importance of reliable transportation for your vital roles. We are here to make it happen, with tailored packages to suit your needs and budget.

What car finance options are available for key workers?

We offer two car finance options to choose from, each designed with key workers in mind:

Hire Purchase (HP)

Hire Purchase is a straightforward, flexible finance option. You make fixed monthly payments, and once the final payment is made, you own the car. It's ideal for key workers wanting ownership benefits without a large deposit. The affordable monthly payments also help you easily manage your budget.

Personal Contract Purchase (PCP)

PCP offers great flexibility. You pay lower monthly installments, effectively renting the car. At the end of the agreement, you can buy the car at a pre-agreed price, return it and upgrade, or walk away. PCP allows you to drive new cars while keeping costs low.

What documents do I need as a key worker to get car finance?

Getting started is easy, and we're here to guide you through the process. To apply for car finance as a key worker, you'll typically need the following documents:

  • Proof of identity (e.g., passport or driving license)
  • Proof of address (e.g., utility bill or council tax statement)
  • Proof of income (e.g., payslips or bank statements)
  • Valid UK driving license

Our goal is to simplify the process, so you can focus on your vital work while we handle the financing.

Can I get car finance as a key worker if I have bad credit or no credit at all?

Yes, car finance is still available if you have bad credit or no credit history. At Carplus, we understand credit can be a challenge. We help key workers get quality transportation, regardless of credit status. We believe you deserve a reliable car.

How to apply for key worker car finance?

Applying for car finance with Carplus is simple and convenient. We've streamlined the process to save you time and stress:

  • Online application: Start by filling out our user-friendly online application form.
  • Assessment: Once you apply for car finance, we will find you the best deal from our panel of lenders.
  • Approval: Once accepted, choose a car or part exchange car from one of the reputable dealers. We will run full checks on the car for you.
  • Drive away: Arrange a same-day car collection or delivery. Drive and enjoy!

Trust Carplus for Key Worker Car Finance

As specialists, Carplus is your trusted partner for tailored key worker car finance. We are passionate about helping you get the reliable transportation your vital work deserves. Choose Carplus with confidence, and let us support your road to car ownership. You keep our communities going - let us help keep you going! Apply today!

Why our customers rate us 5 stars

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No impact to your credit

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No deposit deals

No deposit options are available on all deals. Check if you are eligible today and get approved risk-free with soft search.

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