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Car Finance in Edinburgh

Representative APR 10.9%

Car Finance in Edinburgh

Representative APR 10.9%

Evolution Funding logo for car finance broker

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

Finding the car of your dreams can be a thrill – but finding the car finance? Not so much. What’s more, funding a car is expensive – in fact, after a house, it’s the second highest purchase you’re ever likely to make. You also have to dedicate your precious time and effort into scouring for car finance that suits your needs and circumstances.

That’s where My Car Credit comes in. We’ve worked hard to take the hassle out of the search, whilst delivering excellent customer service and providing superior car finance options – that’s why more and more Edinburgh motorists are turning to us for their car finance.

We’ll give you a no-obligation car loan quote in minutes, matching your specifications and needs with the best lender for you. All you have to do is follow our three-step online application process, which involves us getting to know you, and you getting to know us. It’s pretty much that simple.

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 10.9%, annual interest rate (fixed) 10.86%, 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 £1,702.00, total amount payable is £9,202.00.

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.

The benefits of car finance

Finding car finance can be a stressful process. Traditionally, Edinburgh motorists would secure their car finance from dealerships. However, this left dealers with all the cards in terms of repayment and interest rates, and drivers could face hidden fees and endless red tape.

White audi purchased using car finance

At My Car Credit, we’re dedicated to making the process of finding car finance as stress-free as possible. We’ve removed the paperwork, and have prioritised accessibility and affordability. All applications for car finance are made online – in fact, we’re constantly told by customers that our three-step process is both speedy and simple. We can also leverage our UK-wide network of lenders to help you find the car finance that best suits your needs and circumstances, and our team of friendly advisors are always on hand to answer any questions or address any concerns that you may have. With us, the rate you see is the rate you get – there’s no surprise costs or hidden terms.

And don’t worry if you’re concerned about your credit score – we can work with Edinburgh drivers with less-than-ideal credit reports, and any initial credit check is a soft search, meaning that it won’t impact your overall score. What’s more, as you repay your car finance in a timely fashion, you’ll actually be improving your credit score, making you an ideal candidate for future loans.

Finding car finance in Edinburgh

Bid farewell to shopping around different dealerships for car finance – My Car Credit’s application process is all online. It takes mere minutes to fill in, and will give you a no-obligation quote. From there, you decide whether or not you want to proceed with the process, and we’ll get the ball rolling. By knowing what you owe when, you’ll be able to budget accordingly, and can rest secure in the knowledge that you have greater control of your finances.

Thanks to our extensive network of lenders, we’ve got some of the best car finance deals around.

Our unique technology will match each applicant with the best lender for them, so that everyone has car finance that they’re happy with. We coordinate all of the liaisons with the lender, taking the stress away from you. Then, once every party is happy, you’ll be able to collect your keys and take to the road.

Don’t forget that our team of specialists are on-hand to answer any questions that you might have. We pride ourselves on our customer service, and know that we can find Edinburgh drivers the best possible car finance.

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

Three steps to Edinburgh car finance

Knowing what you’re looking for before you begin your search helps us to help you, so it’s best to pre-consider what kind of repayment schedule you can keep to, as well as the kind of terms that you’re looking for. Determining this from the outset will put the ball in your court, saving you time and effort. It’s little wonder that drivers from Roslin to Peebles are turning to us for their car finance needs.

All you have to do is follow these three steps:

Get approved for car credit from My Car Credit

Fill out the application form

This is where you tell us a bit about yourself and let us know the kind of car finance deal and repayment terms that you’re looking for. From there, we perform a soft credit search and will determine whether we can proceed with your application. You’ll get a no-obligation quote in minutes, and can decide whether or not to sign on the dotted line.

Red car purchased using car finance from My Car Credit

Select your vehicle

If you choose to secure car finance, we’ll match you with the best possible lender and specify the terms of the deal. This means that you’ll know the budget you’re working with, and can start your search for the dream vehicle accordingly.

sign and collect for your new car bought with car finance

Take to the road

Now that you’ve got your car and your car finance, you can collect your keys. We’ll coordinate a last-minute liaison with the lender, and once everyone’s happy, you can hit the road.

my car credit adviser for car finance

Find your dream car finance today

Our friendly team is available to chat via email or over the phone. Reach out on 01246 458 810 or email us on, and start your journey to secure your dream Edinburgh car finance today.

my car credit adviser for car finance

Find your dream car finance today

Our friendly team is available to chat via email or over the phone. Reach out on 01246 458 810 or email us on, and start your journey to secure your dream Edinburgh car finance today.