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Car Finance in Exeter

Rates from 9.9% APR.
Representative APR 12.4%

Exeter Car Finance

Car Finance in Exeter

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 Exeter

From Budleigh Salterton and Tedburn St Mary to Exeter proper, finding car finance can be a stressful experience. Shopping around different dealerships haggling over agreements is not an ideal way to spend your weekend. That’s made all the more stressful by the fact that a car is one of the most costly purchases you’ll ever have to make.

That’s where My Car Credit comes in. We can help you to find car finance in Exeter without even leaving the house. What’s more, we’ve removed the accessibility barriers that people typically face in their search for car finance. We’ll work with all kinds of drivers to help them secure car finance that’s affordable and accommodates their unique needs.

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 are the benefits of car finance?

Maybe you’re looking to size up your car as your family expands, or perhaps you’re just looking for a more reliable set of wheels to tackle your daily commute. Whatever your driving needs and personal circumstances may be, My Car Credit can help.

White audi purchased using car finance

Car finance is a catch-all term for several different credit agreements. The right Exeter car finance deal for you will depend on a number of variables. These include the length of the finance term and whether or not you want to own the car outright once you’ve finalised all the payments. At its core, car finance allows you to borrow a pre-agreed amount of money in order to finance the purchase of a new or second-hand vehicle. You then pay this off through a series of affordable monthly instalments and can make full use of the car in the meantime.

With My Car Credit, we’ve worked hard to take the stress and needless admin tasks out of your search for car finance in Exeter. Our online application form is quick and easy to fill in – you just tell us a bit about yourself and the kind of deal you might be looking for, and we’ll give you a no-obligation quote in minutes. If we decide that you’re a viable candidate for a car finance loan, we can leverage our network of the best UK-wide lenders to find you an agreement that works for you.

Any credit search that we initially perform is a soft search, so it won’t impact your overall score. What’s more, we can even work with drivers with a poor credit rating. Don’t forget – by paying your monthly instalments in a timely manner, you’ll be improving your overall score, making you an ideal future loan candidate.

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How to find car finance in Exeter

Gone are the days of having to shuttle back and forth between different dealerships, haggling over the terms of any finance agreement. In the days before online car finance, buyers would frequently find themselves at a disadvantage, as dealers had a monopoly on the kind of agreement they could offer and the terms therein.

Nowadays, you can find car finance in Exeter online. My Car Credit’s online application form is quick and easy to fill in. We’ve streamlined your search with the aim of reducing any stress – we understand that drivers are busy, and our friendly team of specialists is always on hand to answer any queries that you may have. In fact, we’re constantly told how great our service is by happy customers.

Once you’ve told us a bit about yourself, we’ll perform a soft credit search to gauge whether you’re a viable candidate for car finance. If we decide you’re good to go, we’ll give you a no-obligation quote in minutes – and with us, the rate you see is the rate you get. We’ll then use our excellent connections with some of the UK’s top lenders to find you a car finance deal that works for you – whether you’re a novice or a pro.

When you know the kind of budget and timeframe that you’re looking at for your car finance, you’ll then be able to shop around for your next set of wheels. If you’d rather get both your car finance and car sorted in one go, you can also check out our one-stop shop of quality, pre-approved nearly-new vehicles.

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

Exeter car finance in three easy steps

Finding your ideal car finance has never been so simple. With My Car Credit, there are just three steps to reach financing that suits your needs. Here’s how it works…

Get approved for car credit from My Car Credit

Fill in our online application form

This is where we get to know each other. You let us know the kind of deal you’re looking for, alongside your personal circumstances, and we’ll establish whether we think you’re a viable car finance candidate. If we decide to progress, we’ll then offer you a no-obligation quote.

Red car purchased using car finance from My Car Credit

Find your new car

This is where you get to shop around for your next set of wheels. Fortunately, you’ll have full knowledge of the kind of car finance term you’re working with. Don’t forget that we’ve also got a selection of nearly-new vehicles to choose from.

sign and collect for your new car bought with car finance

Take to the road

We’ll manage any final liaison with the lender. Then, once everything’s in order, it’s over to you. You’ll be able to collect the keys to your new car and drive away.

my car credit adviser for car finance

Discover affordable car finance in Exeter

It’s never been easier to find affordable, accessible car finance in Exeter than with My Car Credit. We’ll work with drivers who have different needs and credit scores, and can even accommodate individuals with poor credit ratings.

Our online application process is quick and easy to fill out. Plus, any rate that you see is the rate you get – we don’t go in for hidden fees and endless red tape. Take the first step to securing your ideal Exeter car finance by contacting one of My Car Credit’s friendly specialists today. Or take a look at our car loan calculator to find out how much you’ll pay per month.

my car credit adviser for car finance

Discover affordable car finance in Exeter

It’s never been easier to find affordable, accessible car finance in Exeter than with My Car Credit. We’ll work with drivers who have different needs and credit scores, and can even accommodate individuals with poor credit ratings.

Our online application process is quick and easy to fill out. Plus, any rate that you see is the rate you get – we don’t go in for hidden fees and endless red tape. Take the first step to securing your ideal Exeter car finance by contacting one of My Car Credit’s friendly specialists today. Or take a look at our car loan calculator to find out how much you’ll pay per month.