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Car Finance in Bradford

Rates from 9.9% APR.
Representative APR 12.4%

Bradford Car Finance

Car Finance in Bradford

Rates from 9.9% APR.
Representative APR 12.4%

Evolution Funding logo for car finance broker

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

Welcome to Bradford

So, you’ve put in the legwork and found your ideal car, but now you need to find your ideal car finance in Bradford. But between the red tape and hidden costs, it can be hard to secure a car loan quote that works for your particular needs and circumstances. And that’s not to mention the time and energy you need to put into shopping around between dealerships for car finance in the first place.

That’s where My Car Credit comes in. We’ve worked hard to ensure that car finance is both accessible and affordable to our customers, helping you to get back in the driving seat – literally! We’ll take account of the kind of car finance you’re looking for, and work with you to secure a deal that accommodates your needs.

What’s more, our online application process takes the stress out of the search, giving you a no-obligation quote in mere minutes. It’s little wonder that more and more Bradford drivers are turning to us for their car finance.

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.

Car finance – the benefits

Finding a new car can feel exciting, particularly with the range of makes and models available. But did you know that after a house, a vehicle is likely to be the second highest purchase you’ll ever make? Throw in surprise fees, endless paperwork and changing terms and conditions, and the process of finding and securing car finance can feel too overwhelming to know where to begin.

White audi purchased using car finance

But it doesn’t have to be. My Car Credit can help you to streamline your car finance search and secure a deal that works for your unique needs. All you have to do is tell us a bit about yourself, as well as your priorities and the kinds of terms that would be suitable for you, and we’ll get you a no-obligation quote in minutes. Different drivers will have different priorities, so it helps to know what you’re looking for from the first step – but if you don’t, that’s also okay, as we can help you refine this.

Typically, Bradford motorists would look to dealerships in order to secure both their car and car finance. However, this puts drivers at a disadvantage, as dealers hold all the cards on car finance rates and terms – and might even complicate the situation with unwelcome fees and cumbersome paperwork. What’s more, if dealers perform an initial hard credit check, this can negatively impact the overall credit score of car finance applicants.

My Car Credit has removed these barriers to car finance. Our online application form is both simple and speedy to fill in, and will give you a no-obligation car finance quote in minutes. When you apply for car finance through My Car Credit, the rate you see is the rate you get – we won’t throw in any surprise fees, and we’ve also worked to remove confusing administrative faff. What’s more, any credit check that we initially perform is only ever soft, meaning that it won’t impact your overall score. In fact, by repaying your car finance in a timely fashion, you’ll actually work to improve your credit report, which will make you a more attractive candidate for future loan applications.

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How to find Bradford car finance

Car finance allows you to pay for a vehicle over a pre-determined period of time via monthly instalments, with an added interest rate. Depending on your particular needs and wants, there are different types of car finance – you can opt to own the car at the end of the finance term, for example, or hand it back and move onto another deal.

At My Car Credit, we offer immense flexibility in terms of car finance. We understand that no one Bradford driver is the same, and that everyone has different requirements for their car finance. That’s why we’ve built a network of the UK’s best lenders – connections that we can leverage in order to find you the best car finance possible for your circumstances.

Our application process is online and designed to be as straightforward as possible – in fact, we’re constantly told by customers how easy it is to fill in. You just tell us a bit about yourself and the kind of deal you’re looking for. From there, our unique technology will match you with the best possible lender, and you’ll have a no-obligation quote in minutes.

Concerned about your credit score? We can work with drivers with a poor credit report, and our initial search is only ever soft. Our friendly team of credit specialists are also always available to provide on-the-ground advice, so you can be sure that you’re in good hands. What’s more, we’ve even got our very own list of pre-approved nearly-new vehicles, so that you can find both your car and your car finance all in one go.

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

Find Bradford car finance in three steps

From Bingley and Ilkley to Cullingworth and Thornton, all you have to do to find your ideal car finance is follow these three steps:

Get approved for car credit from My Car Credit

Fill out the online form

First, head to our online form. This is where we get to know each other, and you tell us about the kind of deal that you’re looking for. We perform a soft credit search and decide if we can proceed with your application. Remember that any quote we give is no-obligation.

Red car purchased using car finance from My Car Credit

Shop around

Now you know the car finance terms you’re working with, you can shop around for your dream vehicle. Knowing exactly what you owe and when you owe it helps you to better manage your finances and find a car that works within your budget.

sign and collect for your new car bought with car finance

Hit the road

Once all parties are happy, we’ll coordinate any last-minute liaison with the lender. You can then collect your keys and take to the road.

my car credit adviser for car finance

Hit the gas on Bradford car finance

There’s never been a better time to secure affordable car finance. Contact My Car Credit today on 01246 458 810 or email us via and start your journey.

my car credit adviser for car finance

Hit the gas on Bradford car finance

There’s never been a better time to secure affordable car finance. Contact My Car Credit today on 01246 458 810 or email us via and start your journey.