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Car Finance in Bristol

Rates from 9.9% APR.
Representative APR 12.4%

Car Finance in Bristol

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.

Buying a new car is exciting for Bristol’s many drivers. You get to shop around different makes, test drive swish new models, and maybe even get your hands on a set of wheels you’ve always been itching to own.

But it’s also expensive. Even if you’re not looking for a top of the range vehicle, it’s likely to be the second highest purchase you ever make – after a house. As such, most drivers don’t have the cash upfront to be able to pay for a car.

That’s where car finance comes in. Read on to find out more about the benefits of car finance, and how My Car Credit can help you to find car finance in Bristol.

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 for a kind of credit agreement. There are different types of car finance, but with each agreement, you borrow a pre-determined amount of money against the purchase of a new or nearly-new vehicle. This allows you to get behind the wheel of a new car without paying for it in full. You pay back the amount of money you’ve borrowed against the vehicle via a series of affordable monthly instalments plus interest.

White audi purchased using car finance

The lender will own the car until you’ve made all your payments in full, but you get full use of the car.

Different kinds of car finance agreements come with different terms. For example, some agreements have a final balloon payment that allows you to take full ownership of the vehicle, whereas with others, you can hand the car back. Equally, some car finance options have usage limitations and restrictions, whilst others give you free rein.

The right kind of car finance for you will depend on your unique needs and circumstances. Hire purchase is a popular option if you definitely want to own the car, while PCP gives you more flexibility with an optional balloon payment at the end of your deal.

What are the benefits of car finance?

At My Car Credit, we offer a range of car finance agreements because we understand no two Bristol drivers are the same.

The range and flexibility of Bristol car finance options is just one of its many benefits. From HP (Hire Purchase) or Personal Contract Purchase (PCP), we have a variety of different car finance agreements, all of which have different features and terms. This allows you to choose a deal that best suits your circumstances. That way, you’re not paying extra for features that you don’t need.

My Car Credit avoid ‘one size fits all’ policies. That’s why we can provide car finance in Bristol for all credit profiles. If your credit rating is poor, we can help you find the right car finance agreement for you. 

Our initial credit check is a soft search, meaning it won’t impact your overall score. Plus, by making your monthly repayments in full and on time, you’ll even be improving your overall rating. This will stand you in better stead for future loan applications, boosting your viability as a candidate. Please note that should you progress, some lenders may perform a hard search on your credit file.

You can also find car finance in Bristol online – no more shopping around different dealerships. Our online application form is quick and easy to fill in. You just tell us a bit about yourself and the kind of agreement you’re looking for, and we’ll offer you a no-obligation quote in mere minutes. Plus, with us, the rate you see is the rate you get.

Map Icon

Where can I find car finance in Bristol?

Car finance agreements used to be offered by dealerships. This meant that as well as shopping around for your next set of wheels, you’d also have to choose between different finance agreements.

Drivers would have to spend valuable time and effort shopping between different dealers, travelling everywhere from Clevedon to Frome. What’s more, dealers also held all the cards on dictating agreement terms and rates, and could throw in last-minute price raises and confusing red tape.

That’s now all changed. You can find car finance in Bristol online in minutes with My Car Credit. All you have to do is fill out our online form, entering some personal information and indicating the kind of agreement that might work for you. From there, we’ll perform a soft credit search and give you a no-obligation quote. You can then decide whether you want to advance your application or not.

At My Car Credit, we understand the importance of accessibility and transparency. The rate we quote you is the rate we get, and we don’t go in for surprise costs or endless admin.

We’re also part of the UK’s largest credit finance broker. This means that we have the broadest lending panel of any UK broker. We’ll help you to find the right Bristol car finance no matter your circumstances or requirements. Plus, if you want to find both your car and car finance in one place, we’ve got a one-stop shop of quality pre-approved new and nearly-new vehicles.

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

Kickstart your car finance journey in three easy steps

Get approved for car credit from My Car Credit

Get approved

Use our online form to get an instant, no-obligation quote in mere minutes. We’ll perform an initial soft check credit search, and you can then decide whether you want to advance your application.

Red car purchased using car finance from My Car Credit

Find your new set of wheels

Once you’ve got a sense of the budget and timeline you’re working with, you can shop around for your new wheels.

sign and collect for your new car bought with car finance

Sign the paperwork and collect your keys

We’ll make sure any last-minute paperwork or liaison is handled. Once all parties are happy, you get to collect your keys and hit the road in your new vehicle.

my car credit adviser for car finance

Find Bristol car finance with My Car Credit

Find affordable, accessible car finance in Bristol with My Car Credit. We’ll work with drivers with all kinds of credit profiles, helping you to find the car finance agreement that accommodates your needs and circumstances.

Use our online application form to get a quote today, or talk to one of our friendly customer service team on enquiries@mycarcredit.co.uk.

my car credit adviser for car finance

Find Bristol car finance with My Car Credit

Find affordable, accessible car finance in Bristol with My Car Credit. We’ll work with drivers with all kinds of credit profiles, helping you to find the car finance agreement that accommodates your needs and circumstances.

Use our online application form to get a quote today, or talk to one of our friendly customer service team on enquiries@mycarcredit.co.uk.