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Car Finance in Derby

Rates from 9.9% APR.
Representative APR 12.4%

Derby Car Finance
Evolution Funding logo for car finance broker

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

kedleston hall Derby

There’s a reason that increasing numbers of Derby drivers are turning to car finance in order to fund their next vehicle. With so many models on the market – and so many options for car finance – finding a deal that best suits your circumstances can be overwhelming.

That’s where My Car Credit comes in. We understand that the process of finding a new car can be more painful than pleasurable. Whether you’re based in Mackworth, Little Eaton or Findern, we can help you streamline your search and find both a new set of wheels and car finance deal.

Using our online car finance calculator, you’ll be able to input details about you and the kind of budget you’re working with. We’ll provide a no-obligation quote within minutes – there’s no red tape or paper-pushing. You can then search for your next car knowing the parameters of your payments. That way, you get the car finance deal that best suits you and get behind the wheel with those worries out of the way.

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.

The benefits of car finance for Derby drivers 

There’s no getting around it, buying a car is expensive. But finding car finance in Derby doesn’t have to be. Traditionally, motorists would get their car finance via the dealership selling them their new vehicle. But this puts you, the customer, in a less than ideal position. This is because the dealer may not be able to offer you a great rate if they have a limited number of lenders available to them.

Derby customers are somewhat savvier now, as the world of car finance has moved online. By shopping around more, you get to find a deal that best suits you and won’t result in over-expensive payments or sudden surprise terms. But even this process of shopping around can take up a significant portion of your time.

At My Car Credit, we’ve designed our car finance application process to be as simple and easy as possible. We know that you’re busy, and so we’re here to help you. Our process will give you options within minutes, as our unique technology matches you with the right lender and dealer. That way, your car finance is more likely to be accepted. With us, the rate you see is the rate you get – we won’t add any hidden costs or surprise fees. You’ll always know how much you owe, and by paying a series of affordable monthly instalments, you can drive off the forecourt with the car of your dreams and minimal worries.

But don’t worry, we understand that Derby drivers don’t always want to commit to car finance from the word go. That’s why our quotes are all no-obligation. Our car credit specialists are also always on hand to answer any questions that you may have.

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Where can I find car finance in Derby?

Have you scoured the showroom around Derby, found your ideal vehicle, but are wondering how you’re going to finance the car? Don’t panic! My Car Credit can help you to find a deal that is affordable and adjusted to your particular needs. We’ve got the largest panel of car finance lenders out of any UK broker and can leverage these connections to find your dream deal.

All you have to do is input the car loan amount that you’re looking for and your preferred repayment term into our car finance calculator. Once you’ve entered a few details like your email address and employment info, our technology will match your particular needs and circumstances with the right product and lender. You can then decide on a series of monthly instalments at a rate that suits you.

Don’t worry if you have a poor credit score – our searches are all soft, so they won’t affect your score. What’s more, we do our best to accommodate to all customers and find finance that suits their circumstances. If you do have any concerns, you can always speak to one of our car credit specialists too.

Alternatively, if you’ve been hitting Derby’s dealers and not finding any cars that work for you, My Car Credit also has a one-stop shop of quality approved used and nearly new cars. They’re all approved through our nationwide dealer network, so you can rest easy and find both your ideal car and car finance in one go.

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

How does My Car Credit work?

Our online form is straightforward and speedy – you’ll get an answer within minutes. Just follow these three steps, and your Derby car finance journey will be well underway:

Get approved for car credit from My Car Credit

Begin your online application form

You give us some personal information and specify the kind of deal that would best suit you. We’ll then conduct a soft credit search before deciding whether we can approve your application. The search won’t affect your credit score, the quote is no obligation, and you’ll have an answer from us within minutes.

Red car purchased using car finance from My Car Credit

Select your car

Here’s the most exciting bit. Once your application has the green light, you can start the search for your new wheels. You’ll know the type of budget you’re working with, so can tailor your search accordingly.

sign and collect for your new car bought with car finance

Hit the road

Now that you’ve found your dream car and car finance, we finalise the paperwork and liaise with yourself, the lender and dealer to finalise everything. Once everything’s in place, you get to collect your keys and hit the road. It’s that simple.

my car credit adviser for car finance

Speak to a Derby car finance specialist today

Save money, time and energy on your search for car finance in Derby by speaking to one of our advisors today. They’ll answer any remaining questions and get you taking the first step towards funding your next dream car. Just call 01246 458 810 – we look forward to hearing from you.

my car credit adviser for car finance

Speak to a Derby car finance specialist today

Save money, time and energy on your search for car finance in Derby by speaking to one of our advisors today. They’ll answer any remaining questions and get you taking the first step towards funding your next dream car. Just call 01246 458 810 – we look forward to hearing from you.