A non-prime specialist lending through approved dealers, with a strong emphasis on responsible, affordability-first underwriting.
Startline Motor Finance underwrites vehicle finance for customers who don't fit standard prime lending criteria, distributing exclusively through its network of accredited dealer partners. It places particular emphasis on affordability assessment over credit score alone.
Self-employed tradespeople and small business owners buying through an accredited dealer, who want a lender that looks beyond a single credit score.
| Minimum age | 18 |
| UK residency required | Yes, UK resident |
| Minimum income | Assessed individually via dealer application |
| Self-employed accepted | Yes, a core part of their customer base |
| Credit check type | Hard search |
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Dealer recommended them after my bank said no. Payments are a bit higher but manageable for my business.
