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Car Finance Tailored for You

Fast & fair. All circumstances considered. Apply without affecting your credit score.

Rates from 6.9% APR.
Representative APR 23.9%

Silver car with colourful leaves for fast car finance

Car Finance Tailored for You

Fast & fair. All circumstances considered. Apply without affecting your credit score.

Silver car with colourful leaves for fast car finance

Rates from 6.9%. Representative APR 23.9%

Car Finance Tailored for You

Fast & fair. All circumstances considered. Apply without affecting your credit score.

Rates from 6.9%.
Representative APR 23.9%

Silver car with colourful leaves for fast car finance
My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score

Representative Example

Borrowing £7,500 at a representative APR of 23.9%, annual interest rate (fixed) 23.88%, 47 monthly payments of £234.69 followed by 1 payment of £244.69 (incl. estimated £10 option to purchase fee), total cost of credit is £3,775.12, total amount payable is £11,275.12.

My Car Credit is a credit broker and not a lender.

Blue Mercedes and colourful my car credit logo for quick car finance process

A quick and hassle-free process

Red number one icon for car finance approval

Get approved

Complete your online car finance application for a fast and accurate decision on car finance. No impact on your credit score!

Yellow number two icon for find a car

Find a car

We don’t mind if you find a car first or apply for car finance and then look for a car. Choose from any new or used car dealer.

Blue number three icon for sign online process

Sign & Collect

All paperwork is signed online, from the comfort of your home. Funds are transferred next working day, and you’re good to collect your car!

A quick and hassle-free process

Red number one icon for car finance approval

Get approved

All paperwork is signed online, from the comfort of your home. Funds are transferred next working day, and you’re good to collect your car!​

Yellow number two icon for find a car

Find a car

We don’t mind if you find a car first or apply for car finance and then look for a car. Choose from any new or used car dealer.​

Blue number three icon for sign online process

Sign & Collect

All paperwork is signed online, from the comfort of your home. Funds are transferred next working day, and you’re good to collect your car!​

After a difficult divorce and losing my job I thought my credit file would never allow me to rebuild my life. I first called My Car Credit and told them my journey. I was encouraged to apply and told I would receive an answer quickly... so I did, the next day I was arranging to collect my dream car... Audi Sports Convertible. Onwards and upwards, THANK YOU!

Nicky
17th Oct 2019

Looking for car finance with a not-so-perfect credit score was a daunting thought. Then I found My Car Credit. All I can say is what a simple and easy process the online application is, no pressure sales at all, very patient with my questions, excellent service, which is few and far between these days. Only took 4 days from my application to have the funds paid out to the dealership, now the owner of a nearly new car. I couldn’t be happier, and the interest rate was far better than anticipated.

Matt R
24th Aug 2018

The application process was really easy. Identifying our car was quick, especially as we knew what we wanted and then the purchase process was seamless! Our advisor was really helpful throughout the process and now we have a new car for a price that is affordable even with our poor credit.

Chris MT
27th Sep 2018

I had an amazing experience with this company. After being refused elsewhere and feeling down, this company was like a breath of fresh air. The customer service was second to none. Got everything done promptly with no hassle. Definitely recommend.

Shahida
28th Sep 2019

Much more efficient and friendly than the main name competitors and found me a 25% lower rate. They also let you get on with your day to day without constantly hounding and calling like other companies, but at the same time still communicate effectively.

Rhys T
27th Feb 2019

Great company to deal with. Agreed finance even though my credit score was low, not through bad credit but through little credit.

Claire M
11th July 2019

34+ trusted car finance lenders

Being part of the UK’s largest motor finance broker, Evolution Funding, we have access to the largest panel of car loan companies. This increases our chances of finding you a car finance deal suitable for your circumstances.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!