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Car Finance in Belfast

Rates from 9.9% APR.
Representative APR 10.9%

Belfast Car Finance
Evolution Funding logo for car finance broker

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

Welcome to Belfast road sign

Cars are expensive. Even if you’re not going for a super flashy, top-of-the-range model, a car is still likely to be the second highest purchase you’ll ever make (after a house).

And whilst some drivers may have the cash to pay upfront, many need to find alternative means for financing their next drive.

That’s where My Car Credit can help. We’ve worked hard to streamline the process of securing finance so that it’s as simple and stress-free as possible. We appreciate that each driver has unique needs, and can help you to find a car finance deal that works best for your means and circumstances.

From saving you the time of shopping around various dealerships through to helping drivers with poor credit ratings secure an agreement, we cover all bases for car finance in Belfast.

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 10.9%, annual interest rate (fixed) 10.87%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702, total amount payable £9,202.

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.

Belfast car finance – the benefits

Car finance is a catch-all term that references a range of credit agreements. With car finance, you’ll be taking out a loan against your new car, which you’ll then pay off via a series of pre-determined affordable monthly instalments.

You’ll have full use of your car whilst you’re paying off this loan. One of the many benefits of car finance is the variety and flexibility of agreements. There’s no ‘one size fits all’ approach with My Car Credit, because we understand that no one driver is the same. We’re here to help you find car finance that’s as unique as you are.

White audi purchased using car finance

Our application process is all online too, saving you the time and effort of shopping between providers in Belfast and further afield. Our online form takes mere minutes to fill out – you tell us a bit about yourself, and we’ll give you a no-obligation quote in minutes.

We’re all about helping customers find car finance that’s affordable and accessible. If you’ve got a less-than-ideal credit rating, we may also be able to work with you to secure Belfast car finance. Don’t forget that by making your monthly repayments on time, you’ll be improving your overall credit score. This will then benefit any future loan applications you may make.

What’s more, our friendly team of specialists are always on-hand throughout the process of finding car finance.

Map Icon

Where can you find Belfast car finance?

At the end of March 2023, 1.26million licensed vehicles were registered to Northern Ireland, marking the highest figure on record for the Driver & Vehicle Agency (DVA). From Holywood and Lisburn to Ballymena and Omagh, an increasing number of Northern Irish drivers are looking for more flexible, affordable ways to finance their next set of wheels.

In fact, 81.5% of all Northern Irish drivers travel by car, compared to 63% average for the rest of the UK – and Belfast is the most car-dependent city in the UK.

But how do you find car finance in Belfast? Before technology became such an integral part of everyone’s day to day life, drivers would have to shop around different dealerships to find a way to finance their next vehicle. This meant that dealerships held all the cards, and could dictate unfavourable terms like high interest rates and rigid agreement terms.

Thankfully, those days are gone. With My Car Credit, all of our car finance options can be found online. Our approach is digital-first, helping you to get behind the wheel as quickly as possible.

All you have to do to kickstart your application is fill in our online form. It’s super quick and easy to complete. We just ask you to provide some personal information and give us a sense of the kind of car finance that might best suit your means and circumstances. From there, we’ll give you a no-obligation quote in minutes. You won’t face any hidden fees or confusing jargon, either – with us, the rate you see is the rate you get.

If you decide that our car finance works for you, and we decide that you’re a viable candidate, we’ll advance your application. We can leverage our huge network of trusted UK lenders to find an agreement that’s most suited to your unique needs.

Once we’ve found a car finance agreement that works for you, you can start shopping for your next set of wheels. Now that you have a greater sense of the kind of repayment terms and budget you’re working with, you can refine your search accordingly.

Don’t forget that you can also check out our selection of pre-approved quality new and nearly-new vehicles to find your next car. Save yourself the time and energy of searching online by finding your next car and Belfast car finance in one with our one-stop shop.

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

Secure your ideal Belfast car finance in three steps

Get approved for car credit from My Car Credit

Fill out our online form

This is where you input your personal details and let us know the kind of car finance agreement that might best suit. From there, we perform a soft credit check that won’t impact your overall score. If we decide you’re a viable loan candidate, we’ll give you a no-obligation quote in mere minutes.
Red car purchased using car finance from My Car Credit

Find your next drive

Once we all agree on the car finance that’s best for you, we’ll advance your application. You can then start shopping for your next set of wheels with a greater sense of the budget and timeframe you’re working with. Don’t forget to check out our shop of quality pre-approved cars.

sign and collect for your new car bought with car finance

Collect your keys

We’ll coordinate last minute communication with the lender, and once everyone’s happy, you collect your keys and hit the road.

my car credit adviser for car finance

Find Belfast car finance with My Car Credit

My Car Credit will help you find affordable, accessible car finance in minutes. Use our online form to kickstart your application and receive a no-obligation quote in mere minutes. With us, you won’t face hidden fees or endless red tape, and our friendly team of experts are always available to guide you through the application process.

Email us today on enquiries@mycarcredit.co.uk and take the first step to get behind the wheel of your new ride.

my car credit adviser for car finance

Find Belfast car finance with My Car Credit

My Car Credit will help you find affordable, accessible car finance in minutes. Use our online form to kickstart your application and receive a no-obligation quote in mere minutes. With us, you won’t face hidden fees or endless red tape, and our friendly team of experts are always available to guide you through the application process.

Email us today on enquiries@mycarcredit.co.uk and take the first step to get behind the wheel of your new ride.