Car Finance in Aberdeen

Rates from 9.9% APR.
Representative APR 12.4%

Aberdeen Car Finance
Evolution Funding logo for car finance broker

Part of Evolution Funding, the UK’s largest motor finance and technology provider.

Welcome to Aberdeen

Finding your new set of wheels is serious fun. But even if you’re not choosing the newest model on the scene, financing a car can be a different story.

Both new or nearly-new, cars are expensive, and most people are unable to pay for them in full. As such, the importance of finding an accessible, affordable way to finance the purchase of your new drive is difficult to overstate. That’s the advantage of Aberdeen car finance.

Whether you’re a motorist based in Aberdeen proper, Balmedie, Pitmedden or Newtonhill, My Car Credit can help you to secure car finance that works with your needs and circumstances.

Car finance is a type of credit agreement established between yourself and a lender. It’s a way of making the process of purchasing a car more affordable, allowing you to have full use of the vehicle, which you pay off by way of a series of monthly instalments.

There are different kinds of car finance agreements and terms available depending on what works for you – it’s not a ‘one size fits all’ approach. In fact, we can even work to secure car finance for Aberdeen drivers with less-than ideal credit scores.

My Credit Rating


  • 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


  • 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


  • 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


  • 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


  • 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

Typical rate

Loan amount

Total payable




*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

What are the benefits of Aberdeen car finance?

In an increasingly tech-savvy world, it’s easy to see why so many drivers around the UK are turning to My Car Credit for their car finance. With us, you’ll have a no-obligation quote in mere minutes, which puts you in the literal and metaphorical driving seat far quicker than traditional means of financing a car.

White audi purchased using car finance

Before the age of digital car finance, drivers would turn to dealerships to provide car finance. But this gave serious advantages to dealers, who would hold all the cards in determining factors like the type of car finance deal, the length of its term, and interest rates. In order to secure the best car finance, drivers would then have to spend precious time and energy shopping around and haggling between different dealerships.

Today’s car finance is different. My Car Credit has worked hard to remove the time and stress that were typically associated with the search for Aberdeen car finance. In fact, our online application form will only take a few minutes to fill out and quickly provide you with a no-obligation quote, allowing you to get on with your search in a timely manner. We’ve also removed the access barriers typically faced by Aberdeen drivers, too. Red tape, hidden costs, and changing rates have all been removed from our car finance service – with us, the rate you see is the rate you get, and we won’t surprise you with any unwelcome fees, either.

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How do you find car finance in Aberdeen?

From Gardenstown and Gourdon to Westhill and Whitehills, Aberdeen drivers can find their car finance in one place. My Car Credit provides all of our car finance online, allowing you to search for, apply and secure a great deal from the comfort of your own home.

We know that each driver and their needs are different, which is why we can work with you to find the car finance that’s best for your circumstances. And if you have questions about anything, our friendly team of credit specialists is on hand. They’ll be able to address any concerns or answer any questions that you may have.

Once you’ve filled in our online application form and we’ve confirmed that you’re a suitable car finance candidate, we’ll then leverage our UK-wide network of excellent connections in order to find the best possible agreement for you. Remember that the initial credit search we perform is soft, and the rate that we provide for you is the rate that you’ll get.

And don’t worry if you haven’t yet found a vehicle either, because we’ve also got a one-stop shop of pre-approved, quality nearly-new cars for you to search. That means that, if appropriate, you can find both your car and your car finance with My Car Credit. We aim to make the whole process as easy as possible, after all.

Colourful my car credit behind red Renault purchased using poor credit car loan

Three steps to securing your ideal Aberdeen car finance

Ready for a car loan quote? Finding suitable car finance in Aberdeen really is as simple as one, two, three:

Get approved for car credit from My Car Credit

Fill out our online application form

You’ll need to share some personal information with us and detail the kinds of car finance that you think would be appropriate via our online form. From there, we’ll determine whether or not we can proceed with your car finance application after having performed a soft credit search.

Red car purchased using car finance from My Car Credit

You find your new wheels

Now that you know the kind of car finance agreement you’re working with, you’ll be able to search for your new set of wheels with a greater sense of your budget.

sign and collect for your new car bought with car finance

Hit the road

We’ll coordinate any last-minute liaison between yourself and the lender. Once everyone’s happy, you can collect your keys and drive away with your new car.

my car credit adviser for car finance

Discover great car finance in Aberdeen

Finding car finance needn’t be a hassle – and with My Car Credit, it won’t be. Use our car loan finance calculator for a breakdown of your expected monthly payments and more. Or to learn more about how we can help you, call us on 01246 458 810 or email us on today.

my car credit adviser for car finance

Secure your dream Aberdeen car finance today

Finding car finance needn’t be a hassle – and with My Car Credit, it won’t be. Use our car loan finance calculator for a breakdown of your expected monthly payments and more. Or to learn more about how we can help you, call us on 01246 458 810 or email us on today.