Q: What do I need to get approved?
You need to be 18 years or over, with a valid drivers licence, proof of income and proof of residence (i.e. Copy of a utility Bill, Bank Statement, Phone Bill, Mortgage Statement etc)

Q: I am only looking for a Personal Loan, can you help?
My Car Credit and its Affiliates do not provide personal loans, but if you are looking to buy a new/ newer car and are finding it difficult to get approval for a personal loan then My Car Credit have the ideal solution. By making an application today, you could be driving away in an approved car within the next 3 days. (if you are a homeowner then we may be able to provide a homeowner loan - apply online)

Q: Do I need a deposit?
Not always, but a deposit can help to secure a better rate on the finance. Your existing car can be part exchanged and the monetary value used as a full deposit.

Q: Can I get approved if I have had a repossession?
Yes you can. We can help regardless of your credit history.

Q: I am in receipt of Incapacity Benefit, would I still qualify?
Yes you can, we will accept certain benefits such as Incapacity benefit and Family tax credit as suitable income, we do not accept child benefit or income-support.

Q: Will I have to take up any compulsory Insurance policies?
No there are no compulsory insurances. You do not have to take up any insurances that may be offered, If you do not wish to.

Q: Does having poor credit mean that I have to drive an older unreliable car to start rebuilding my credit history?
No we only offer fully inspected approved cars, from 6months to 5years old, all cars come with a rigorous 125+ point inspection, most are one previous owner cars with full manufacturers service history and a warranty.

Q: Are there any fees associated with your car and credit service?
No! This is a completely free service.

Q: Is my information safe applying online with My Car Credit?
Absolutely! Our online application is on a secure server.

Q: How do I apply?
You can apply online, this will only take a few minutes or you can call our free-phone number.