1. My credit score is
2. I would like to borrow
3. I would like repay over
Monthly Repayment
Representative Example
Loan Amount
Length of Loan
Total Cost of Credit
Monthly Payment
Total Amount Payable
*Representative example is for people that qualify for our excellent status on loan amounts from £5,000 to £50,000. See calculator for full representative statement. Your rate may differ from the representative APR. Loans are subject to status.

How we make a decision

Our whole approach to car finance is built around ensuring that you, the customer, get the fairest outcome. Not only do we have an excellent range of financial lenders, which means we can compare and identify the best deal for you, but we are also car finance lenders ourselves.

This is totally unique to car finance websites and means that if you don’t fit the usual criteria, we can make a ‘common sense’ decision about your circumstances.

We understand that life doesn’t always run perfectly and so we take into account factors other than just your past history. You’ll find My Car Credit to always be fair, honest and transparent.

Unlike other car finance websites, we don’t need to know which car you’re buying to give you a decision. All we need to know is the amount you wish to spend on a car and some personal details which take no longer than a couple of minutes to complete.

We’ll perform a ‘soft’ credit check through our own unique systems. This does not affect your credit rating. We’ll then send you an auto-response telling you what finance rate we can give you on the amount of car credit you’re asking for.

If your application is referred to our specialist underwriters, don’t worry! Our unique system is geared towards ‘common sense’ manual loan decisions. We’ll contact you to discuss and agree the best options for your financial requirements.