Car Finance in Cardiff

Rates from 9.9% APR.
Representative APR 12.4%

Cardiff Car Finance
Cardiff Car Finance

Car Finance in Cardiff

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 Cardiff

Car finance is a quick and easy way to get the car you want without the eyewatering upfront costs. Some providers in Cardiff might make it stressful with complex terms, confusing paperwork and even unexpected fees. But not My Car Credit.

We ensure car finance is neither time-consuming nor taxing for drivers in South Wales. We’ve worked hard to make finding car finance in Cardiff as quick and pain-free as possible. What’s more, we understand that each driver is different, and are on hand to help you secure an agreement that accommodates your unique needs.

Our team aims to accommodate all applications, including new drivers and those with a poor credit score.

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.

Why choose car finance in Cardiff?

It’s no secret that cars are expensive. Even if you’re not going for a top-of-the-range model, paying for a car is still likely to be the second highest expense you’ll ever face (after a house). As such, most drivers just don’t have the cash to pay for a vehicle upfront.

White audi purchased using car finance

That’s where car finance comes in. Car finance is a catch-all term referring to a credit agreement. When you have car finance, you’ll essentially be taking out a loan against your new car. You pay this off via a series of affordable monthly instalments, plus interest. During this time, you’ll have full use of the vehicle.

Whether or not you choose to own the car once you’ve fully repaid the finance agreement is entirely up to you. One of the great benefits of car finance is the flexibility of your options. Different drivers have different driving preferences. That’s why we at My Car Credit don’t go in for a ‘one size fits all’ approach. We’re here to help you find local car finance that suits your unique needs and circumstances.

Best of all, our application process is all online. It’ll only take you minutes to fill out, saving you the time spent trailing from one dealership to another to compare deals. You just tell us a bit about yourself and indicate the kind of car finance that might suit you, and we’ll give you a no-obligation quote in minutes.

We’re all about making car finance affordable and accessible in the Welsh capital. As such, we can even work with individuals with less-than-ideal credit ratings. Our initial credit check is a soft search, meaning it won’t impact your overall score. Plus, don’t forget that by making your monthly repayments in a timely manner, you’ll be improving your overall rating. This’ll stand you in better stead for future loan applications.

Map Icon

Where can you find car finance in Cardiff?

Before the days of digital car finance, Cardiff motorists would have to shop around and haggle different dealerships. This put them at a disadvantage, as dealers held all the cards when it came to dictating factors like agreement terms and interest rates.

My Car Credit’s Cardiff car finance is digital-first. Our aim is to get you behind the wheel as quickly as possible.

Simply fill out our online form to kickstart your application. It’s simply and speedy to fill out, and we’ll give you a no-obligation quote. With us, the rate you see is the rate you get – we don’t go in for last-minute red tape, hidden fees, and consuming administration.

If you decide that you’re happy to proceed with our Cardiff car finance, we’ll then leverage our network of UK-wide lenders to find agreement terms that work for your needs and means. We’ll then get back to you with your dream car finance agreement, and you can start shopping for your next set of wheels.

For Cardiff drivers who want to sort both their new car and car finance in one go, check out our one-stop shop quality pre-approved new and nearly-new vehicles.

If you’ve got any questions along the way, our friendly team of specialists are always available to contact. No question is too small – reach out today to see how we can help.

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

Secure your dream car finance in Cardiff in three steps

Get approved for car credit from My Car Credit

Fill out our online form

This is where we get to know each other. Let us know your personal information and the kind of car finance agreement that would most suit you. From there, we perform a soft credit check. If we decide you’re a viable loan candidate, we’ll give you a no-obligation quote. Best of all, this process only takes minutes.
Red car purchased using car finance from My Car Credit

Find your next set of wheels

If you’re happy with the car finance agreement we offer, we’ll move your application along. Now that you’ve got a greater sense of the budget and timeframe you’re working with, you can start the fun part of shopping around for your next vehicle. 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 and take to the road

We’ll manage the last-minute liaison with the lender. Once both parties are happy, you can collect your new keys and hit the road. Take a road trip to the Brecon Beacons or just enjoy a stress-free commute in your new ride.

my car credit adviser for car finance

Secure your car finance in Cardiff with My Car Credit

My Car Credit aims to find affordable car finance for drivers throughout the UK – and Cardiff is no exception. From good credit to poor credit, sports cars to SUVs and Cardiff docks to the outskirts of the city – we’re here for you.

Finding affordable, accessible car finance in Cardiff has never been easier. Fill in our online application form to get a no-obligation quote in minutes. We’ll help you find the right car finance agreement for you, and our team of friendly specialists are on-hand to help you through the process.

In next to no time, you’ll be cruising round Cardiff city centre or pulling onto the M4 to start a road trip in your new car. Get in the driving seat of your car finance by emailing us today on enquiries@mycarcredit.co.uk.

my car credit adviser for car finance

Secure your car finance in Cardiff with My Car Credit

My Car Credit aims to find affordable car finance for drivers throughout the UK – and Cardiff is no exception. From good credit to poor credit, sports cars to SUVs and Cardiff docks to the outskirts of the city – we’re here for you.

Finding affordable, accessible car finance in Cardiff has never been easier. Fill in our online application form to get a no-obligation quote in minutes. We’ll help you find the right car finance agreement for you, and our team of friendly specialists are on-hand to help you through the process.

In next to no time, you’ll be cruising round Cardiff city centre or pulling onto the M4 to start a road trip in your new car. Get in the driving seat of your car finance by emailing us today on enquiries@mycarcredit.co.uk.