Can cleaners and maintenance staff get car finance in the UK?

Roman Danaev3 February 2026

Share

Yes, you can get car finance working as a cleaner or maintenance staff member. Lenders approve applications based on your income and affordability, not your job title. You don't need a high-paying office job to qualify for finance.

Lenders assess three core factors: your regular income, your ability to afford monthly payments, and your credit history. They review your payslips or bank statements to verify consistent earnings. Part-time hours or agency work won't automatically disqualify you if you can demonstrate stable income over three to six months.

You actually benefit from employment characteristics common in cleaning and maintenance roles. Regular shift patterns prove income stability. Multiple employers or agency work shows active employment. Contract renewals demonstrate reliability to lenders who understand this sector.

Carplus works with lenders who assess domestic cleaners, commercial cleaners, and facilities maintenance workers based on affordability, not employment prestige. We need your last three months of payslips, proof of address, and valid UK driving licence. Your application takes minutes and uses a soft search that won't affect your credit score.

Why do maintenance staff usually choose Carplus?

Carplus understands non-traditional employment patterns in cleaning and maintenance work. We assess agency contracts, zero-hours agreements, and multiple part-time roles without automatic rejection earning £1,000/month as a domestic cleaner or £2,400/month as a facilities maintenance technician qualifies you for finance. Our initial assessment uses a soft search that protects your credit score while you discover your eligibility and potential offers.

You access our panel of specialist lenders who assess your income individually rather than rejecting based on contract type. We match you with lenders most likely to approve your situation, whether you're a housekeeper earning £1,600/month or a property maintenance worker earning £2,700/month.

Who qualifies for car finance?

Cleaning and maintenance professionals across all sectors qualify for car finance with Carplus. Domestic cleaners secure approval alongside facilities managers and get accepted just like maintenance engineers, which means your position level does not determine your eligibility for finance.

Who generally gets finance on a car with us:

Cleaning Services

• General cleaners (domestic, commercial, industrial)
• Cleaning supervisors and operatives
• Window cleaners and exterior cleaners
• Oven and steam cleaners
• Pest control technicians

Domestic Services

• Domestic assistants and housekeepers
• Housekeeping staff and room attendants
• Homemakers and care home cleaners
• Host cleaners and serviced accommodation staff

Facilities Maintenance

• Maintenance engineers and technicians
• Maintenance operatives and assistants
• Property maintenance workers
• Building maintenance staff

Support Services

• Linen industry workers and laundry staff
• Porter/cleaners and caretakers
• Sanitation workers
• Facilities support staff

Supervisory & Management

• Cleaning supervisors and team leaders
• Facilities managers
• Maintenance coordinators
• Contract managers

What are car finance types available for cleaners and maintenance staff?

You choose between Hire Purchase for straightforward ownership or Personal Contract Purchase for lower monthly payments. Both finance types accept part-time contracts, agency work, and multiple employers.

HP car finance

Hire Purchase spreads your car's cost across fixed monthly payments until you own it outright. You pay a deposit (or £0 deposit if approved), then make identical monthly payments for 2-5 years. The vehicle becomes yours automatically after your final payment with no additional fees.

You benefit from payment certainty that matches shift patterns and variable income common for housekeepers, commercial cleaners, and maintenance operatives. A £7,500 car financed over 4 years costs approximately £165-185 per month depending on your deposit and interest rate. You build equity in the vehicle from day one, and the car remains yours to keep, sell, or part-exchange once you complete your payments.

PCP car finance

Personal Contract Purchase reduces your monthly payments by deferring part of the car's value to the end of your agreement. You pay lower monthly instalments for 2-4 years, then choose to either pay the final balloon payment to own the car, return it and walk away, or use any equity towards your next vehicle.

Your monthly costs stay manageable whether you're a domestic assistant, window cleaner, or facilities maintenance worker. That same £7,500 car on PCP costs approximately £120-140 per month, saving you £40-45 monthly compared to Hire Purchase. You gain flexibility to upgrade to a newer vehicle every few years without the commitment of long-term ownership, which suits cleaning and maintenance professionals whose work circumstances or vehicle needs might change.

Is it possible for me to get car finance with bad credit history as a cleaner or maintenance worker?

Yes, you qualify for car finance with bad credit working as a cleaner, housekeeper, or maintenance technician. Specialist lenders assess applications based on current affordability rather than past credit problems. A County Court Judgement (CCJ), defaults, missed payments, or previous payday loans do not automatically disqualify you.

Lenders understand that credit issues often result from income fluctuations and contract gaps common for domestic cleaners, commercial cleaners, and property maintenance staff. Your ability to afford monthly payments matters more than your credit score.

You strengthen your application by providing three to six months of payslips proving regular income. Multiple part-time cleaning jobs totalling £1,600/month receive the same assessment as a single maintenance technician role earning the same amount.

Carplus uses a soft search that protects your credit file during initial assessment. We match you with specialists from our panel of lenders who understand cleaning and facilities maintenance sector employment. Your credit history affects your interest rate rather than blocking approval most applicants with bad credit secure finance at higher APR rates reflecting their circumstances.

Am I eligible for car finance?

Most lenders set similar eligibility criteria focusing on your age, residency status, income level, and the vehicle you want to finance, which means these requirements apply consistently regardless of your contract type or work pattern.

Your requirements

• Age 18-75 years old
• UK resident with verifiable address history
• Full UK driving licence
• Monthly income of £1,000 or above (including hourly wages, shift pay, multiple employer income, and agency payments)
• Ability to provide payslips showing income and details of regular monthly expenses

Vehicle criteria

• Purchase price between £4,000 and £40,000
• Maximum 120,000 miles on the odometer
• No older than 14 years at the end of your finance agreement
• Meets lender's valuation standards and acceptable condition requirements

How to apply for car finance?

Getting car finance as a cleaner or maintenance worker follows a straightforward three-step process. We run a soft search credit check that won't impact your credit score.

Step 1: Submit your application and receive an instant quote

Complete our online form with your cleaning or maintenance role, work pattern, and monthly income from hourly wages, shift pay, or multiple employers. You receive an instant quote within minutes showing your available options, which lets you see exactly what you can afford before committing.

Step 2: Income verification and lender approval

Lenders review your earnings from payslips, bank statements, or agency payment records, then assess your employment stability and existing commitments. They complete a hard credit search at this stage and provide their approval decision within 24-48 hours once they've received your complete documentation.

Step 3: Sign your agreement and collect your vehicle

Review your finance agreement carefully before signing to ensure you understand the monthly costs and contract length. Submit your UK driving licence, recent payslips from all employers or agency statements, and proof of address to finalise the deal. The lender releases funds directly to the dealership, and you can collect your vehicle or arrange home delivery to fit your shift schedule.

Share