Skip to content

Car Finance in Birmingham

Rates from 6.9% APR
Representative APR 14.9%

Evolution Funding logo for car finance broker
Part of Evolution Funding, the UK’s largest motor finance broker.

Car Finance in Birmingham

Rates from 6.9% APR
Representative APR 14.9%

Part of Evolution Funding, the UK’s largest motor finance broker.
Evolution Funding logo for car finance broker

Car Finance in Birmingham

Rates from 6.9%
Representative APR 14.9%

Evolution Funding logo for car finance broker
Part of Evolution Funding, the UK’s largest motor finance broker.

Are you based in Birmingham and on the hunt for car finance? Funding your next set of wheels can seem overwhelming, and many providers have extensive application processes and red tape to wade through.

Not at My Car Credit. We’ve made our online application process for car finance as easy as possible – it’s no wonder so many Birmingham drivers are turning to us for help. Whether you’re in Solihull, Digbeth or Erdington, we’ll compare deals from a large network of trusted UK lenders to find a great option for you.

Just tell us a bit about yourself and the car finance you’re looking for through our car finance calculator. Within minutes, you’ll have a no-obligation quote and can start the hunt for your next set of wheels in full knowledge of the repayment terms and rates you’re expected to meet. That way, you get a car finance deal that meets your unique needs and is as transparent as possible from the get-go. Put simply, we can help you stay in control of your car finance from start to finish.

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 14.9%, annual interest rate (fixed) 14.85%, 47 monthly payments of £204.69 followed by 1 payment of £214.69 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,335.12, total amount payable is £9,835.12.

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

The benefits of car finance for Birmingham drivers 

Getting a new car – or even a nearly-new vehicle – can be exciting, but it can also be an expensive purchase, and the search for the right car finance might be more stressful than simple. Traditionally, motorists sourced their car finance through dealerships. But this can put buyers at a disadvantage if they have a limited number of lenders available to them. This can in turn prevent the dealer offering you the best rates in the market.

Birmingham drivers are increasingly turning to online car finance providers in order to find the deal and drive of their dreams. By shopping around more, you’re in control, and are able to filter out the options that don’t suit your particular needs. However, even this process can take serious amounts of time – and you can suddenly fall prey to surprise red tape or repayment terms, all of which can have an unwelcome impact on your finances.

My Car Credit has created an application process that removes any of those variables, helping you to streamline your search. So long as you give us accurate information when you apply, the rate you see is the rate you get. What’s more, we don’t paper-push. By pre-agreeing a series of monthly repayments, you get to drive your car off the forecourt with minimal stress. You’ll also always know how much you owe and when you owe it, so that you can budget accordingly.

How to find Birmingham car finance

Sure, Birmingham is big. It’s the second largest city in the UK covering over 100 square miles – and home to over a million people. But finding car finance doesn’t have to be stressful! My Car Credit will help you to find a deal that meets your needs – whether you’re based in Dudley or Stourbridge.

We have the largest panel of car finance lenders out of any UK broker, and we’ll leverage these connections to help you find an affordable deal tailored to you. Our unique technology matches your specific requirements with the right lender, which means that your car finance is more likely to be accepted.

All we ask is for some personal information such as your email address and employment status. You’ll also let us know what kind of repayment terms you’re looking for, so that we can agree a manageable rate.

What’s more, you don’t need to worry if you have a poor credit score. We aim to provide car finance for all buyers, whatever your credit history. On top of that, all our searches are soft before your application is processed, which means that they won’t have any impact on your score until you choose to proceed. We’ve also got an expert team of car credit specialists on hand too; in case you have any questions. They can guide your search for Birmingham car finance in the right direction, addressing any queries you may have.

Similarly, if you’re struggling to find a new set of wheels, My Car Credit has a one-stop shop of quality approved used and nearly-new cars. If required, we can help you find your car finance and car in one go.

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

How does My Car Credit work?

Customers consistently tell us that our online application process is both speedy and simple to fill out. In a few easy steps and mere minutes, you’ll have a no-obligation quote to secure the best car finance in Birmingham. Just follow these three steps:

Get approved for car credit from My Car Credit

Fill in the form

This is where we get to know you better. You fill in some personal information and let us know what kind of deal you’re on the lookout for. From there, we’ll conduct a soft credit search and decide whether we can proceed with your application. The quote we offer is no obligation and the search won’t impact your credit score.

Red car purchased using car finance from My Car Credit

Choose your wheels

Now that you know what car finance has been agreed and the rates of repayment, you have the green light to begin your search. Don’t forget that My Car Credit also has a selection of approved nearly new and used vehicles in case you want assistance with your search.

sign and collect for your new car bought with car finance

Take to the road

You’ve found your perfect car and car finance, and it’s time to get behind the wheel. We facilitate the paperwork and liaison between the lender and seller. Once all parties are happy and payments have been finalised, you get to collect your keys and hit the road.

my car credit adviser for car finance

Contact My Car Credit today

Ready to put the wheels in motion for your car finance? My Car Credit provides car finance you can rely on throughout Birmingham and the surrounding areas. Whether you’re in the market for a quality used SUV or a nearly new hatchback, we’ll do all the legwork for you so you can simply sit back before enjoying your new ride.

Contact one of our team on 01246 458 810. They’ll save you time and energy on your hunt for the best car finance, as well as keeping your bank balance happy.

my car credit adviser for car finance

Contact My Car Credit today

Ready to put the wheels in motion for your car finance? My Car Credit provides car finance you can rely on throughout Birmingham and the surrounding areas. Whether you’re in the market for a quality used SUV or a nearly new hatchback, we’ll do all the legwork for you so you can simply sit back before enjoying your new ride.

Contact one of our team on 01246 458 810. They’ll save you time and energy on your hunt for the best car finance, as well as keeping your bank balance happy.