Car loans from 4.9% APR for excellent credit*.
Instant online decision without affecting your credit report.

*Example is for people that qualify for our excellent status on loan amounts from £5,000 to £50,000. Loans are subject to status.

Our representative APR is 17.3%. Representative example: Borrowing £7500 over 48 months with a representative APR of 17.3%, annual interest rate (fixed) 7.92%, 47 payments of £209.84 followed by 1 payment of £408.84, payments include a £149 credit facility fee and £199 option to purchase fee, total cost of credit £2771.32, total amount payable £10271.32.

My Car Credit is a broker and not a lender.

How It Works

We’ll give you an instant decision without affecting your credit score

Choose the car you want to buy

We’ll transfer the funds to your car dealer the next working day

What makes us different?


Unlike our competitors who cannot give you a car finance rate until you’ve been accepted, we have the technology in place to give you an online decision along with the amount and rate we can lend at.


Unless you request additional support, you can process your application for a car loan entirely online and receive an automatic response that will give you an instant decision in principle.


No pushy phone calls! Instead, we’ll use the information you supply to do an instant credit search, which will not affect your credit rating. We’ll then send you an auto-response telling you our decision.


We’ll even give you access to the car stock feed from our approved dealerships so that if you haven’t already found your perfect car, you can access the best possible deals from the most reputable dealers.

Got A Question?

Call Us

01246 458 810

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