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Car Finance in Bournemouth

Rates from 9.9% APR.
Representative APR 12.4%

Car Finance Bournemouth
Evolution Funding logo for car finance broker

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

Car Finance Bournemouth Sign

There’s no two ways about it, buying a car is expensive. In fact, after your house on the south coast, a car is the second highest purchase you’re ever likely to make.

Even if you’re not choosing a brand-new, high-spec model, most drivers simply don’t have the available cash.

That’s where car finance can help in Bournemouth. With car finance, you break down the cost of the vehicle into affordable monthly repayments, plus interest. There are many kinds of car finance agreements available, and the right one for you will depend on your unique needs and circumstances.

That’s why an increasing number of Dorset drivers are looking to car finance to help them get behind the wheel.

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 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 is car finance?

Car finance is a catch-all term. Essentially, car finance is a type of credit agreement – you borrow a certain amount of money from a lender and use it to fund the purchase of a new, nearly new or used vehicle.

You then pay this loan back to the lender via a series of affordable monthly repayments, plus interest. This allows you to get behind the wheel without having to front a hefty initial cost.

White audi purchased using car finance

The lender owns the vehicle until you’ve paid this amount back in full, but you have full use of the car in the meantime, just as if it’s yours.

There are different types of car finance available to accommodate for different drivers. The right agreement for you will depend on your needs and circumstances. There are options for drivers who like to regularly switch up their car for newer, higher-spec models. Alternatively, there are agreements for Bournemouth locals looking to own their vehicle at the end of term.

You can even find poor credit car finance, and used car finance too.

What are the benefits of car finance?

From Poole to Swanage, Bournemouth drivers are increasingly turning to car finance to fund the purchase of their new or nearly new vehicle.

One of the biggest appeals of car finance in Bournemouth is the flexibility of agreements available.

At My Car Credit, we understand that all drivers are different. The right car finance agreement for a family may not be the right agreement for someone with poor credit.

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

That’s why we offer a wide range of different, quality car finance agreements to match your needs and circumstances.

Our process for securing car finance in Bournemouth is also designed to be as stress free and streamlined as possible. We know that you’re busy, so our application process is all online. You simply input some personal information, and we’ll give you a no-obligation quote in minutes. From there, you can decide whether to advance your application and kickstart your car finance process.

What’s more, we won’t hook you with an attractive but inaccurate rate. With us, the rate you see is the rate you get. You’ll get a real decision based on the information you provide us – and won’t face any confusing red tape or surprise fees.

We can even help drivers with poor credit ratings secure car finance. Our initial search is soft, so it won’t impact your overall credit score, and we’ll work with you to find Bournemouth car finance that suits your rating. Plus, by making your monthly repayments in a timely manner, you’ll be improving your score, which could make you a more viable candidate for future loans.

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How to find car finance in Bournemouth

Finding car finance in Bournemouth can be done from the comfort of your own home.

Fill in My Car Credit’s car finance calculator to get a speedy online decision. You’ll need to provide us with some personal information and outline the kind of car finance agreement that might be best for you. From there, we’ll perform a soft credit search which won’t impact your credit rating. Once we’ve completed that step, you’ll get a no-obligation quote in mere minutes. You can then decide whether to advance your car finance application – it’s as easy as that.

Our goal has always been to help drivers find car finance as easily and speedily as possible. We’ll help you to buy the car you want at the budget you can afford, no matter your credit score.

We’re also part of the UK’s largest motor finance broker. This means that we can leverage our award-winning technology and broad lender panel to maximise your chances of being accepted for the best Bournemouth car finance for your needs.

It’s up to you whether you shop around for your next car before you start your car finance application. But if you’re looking to secure both your car and car finance in one, we can help. We’ve established excellent relationships with over 5,500 reputable car dealers across the UK. With us, you can find both your next set of wheels and the car finance deal to fund that purchase in a convenient one-stop shop.

Get approved for car credit from My Car Credit

Apply and get approved online

Use our online application form to kickstart your car finance application. Fill in some personal information, and we’ll give you an instant, no-obligation quote in mere minutes.

Red car purchased using car finance from My Car Credit

Shop around for your next car

One you’ve got a sense of the budget you’re working with, you can go shopping for your next set of wheels. Don’t forget to check out our one-stop shop of quality pre-approved cars.

sign and collect for your new car bought with car finance

Sign the paperwork and collect your keys

We’ll coordinate any last-minute communication. Once you’ve signed your documents, you can take to the road in your new vehicle – whether you’re jumping on the A338 or cruising along Boscombe Promenade.

my car credit adviser for car finance

Find car finance in Bournemouth with My Car Credit

Secure affordable, accessible car finance in Bournemouth with My Car Credit. We’ll work with you to help you find the right agreement for you, no matter your credit score.

Get your car finance journey going with our online car finance calculator, or by emailing enquiries@mycarcredit.co.uk.

my car credit adviser for car finance

Secure car finance in Bournemouth with My Car Credit

Secure affordable, accessible car finance in Bournemouth with My Car Credit. We’ll work with you to help you find the right agreement for you, no matter your credit score.

Get your car finance journey going with our online car finance calculator, or by emailing enquiries@mycarcredit.co.uk.