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Car Finance in Lincoln

Rates from 9.9% APR.
Representative APR 12.4%

Lincoln Car finance

Car Finance in Lincoln

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.

Tattershall Hall in lincoln

Shopping around for your next car is one of life’s significant pleasures, whether you’re upgrading to a new or nearly-new model. But finding the car finance to fund that purchase can be a different story.

Buying a car is the second highest expense you’re ever likely to face, second only to purchasing a house. What’s more, the actual process of finding the right car finance for you can be time-consuming and stressful. From navigating the red tape and bureaucracy of different providers through to finding a deal that works for your budget, the whole process can be enough to put you off the search entirely.

At My Car Credit, we believe that discovering great car finance should be simple – and when you find car finance with us, it will be! Whether you’re a driver in Lincoln itself, or any of the surrounding towns and villages, My Car Credit can help you to secure an accessible, affordable car finance deal. You’ll be hitting the road in the car of your dreams in no time.

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 to finding car finance in Lincoln?

Car finance is a catch-all term for a number of different credit agreements, all of which allow you to borrow a predetermined amount of money against the purchase of a vehicle. Car finance allows drivers to have full use of the vehicle, which is then paid off via a series of affordable monthly instalments.

White audi purchased using car finance

The flexibility of car finance from My Car Credit is exactly what’s driving so many Lincoln motorists to find out how we can help them fund their next car (pun intended). We understand that there’s no ‘one size fits all’ approach and can work with drivers according to their particular needs. In fact, we can even accommodate individuals with poor credit ratings, depending on each specific case.

At My Car Credit, we work to the understanding that it’s your unique circumstances that will determine which kind of car finance deal suits you best. For example, some Lincoln drivers want to own their car outright, whereas others are happy to hand the vehicle back at the end of the agreement.

What’s more, our application process is all online, meaning that it’s quick and easy to fill out. You tell us a bit about yourself and indicate what kind of car finance deal you might be looking for, and we’ll then perform an initial soft credit search in order to gauge whether we can proceed with your application. You’ll be given a no-obligation quote within minutes, which will suggest the kind of car finance deal you might be viable for. From there, you can decide whether or not you want to proceed. What’s more, you’ll be able to do so with full awareness of the budget you’re working with. It really is that quick.

Map icon

How to find car finance in Lincoln

Traditionally, drivers would turn to dealerships for both their cars and car finance. However, this meant that dealers held all the cards for determining the kind of finance term that drivers would face, putting motorists at a serious disadvantage.

In today’s digital world, that’s all changed. My Car Credit’s car finance application process is all online, and is easy and straightforward to fill out. We understand that drivers from Aubourn to Waddington and Lincoln itself are busy, so we’ve removed the tedious red tape and administrative steps typically involved in securing car finance. Transparency is the name of the game, and we want to equip Lincoln drivers with the relevant knowledge for them to make an informed decision about their car finance.

With us, any rate you see is the rate you get, and we don’t throw in surprise payments. Plus, our initial quote is always no-obligation, so you’re free to walk away if you want.

If you have any questions, our friendly team of specialists is always on hand, and can guide you through the process of finding Lincoln car finance. We’ve spent time establishing excellent relationships with some of the UK’s top lenders, and will leverage these connections to get you the best car finance possible. Moreover, if you’re looking to secure your car and car finance in one shot, we can help – check out our one-stop shop for pre-approved, nearly-new vehicles whilst you apply for your car finance.

A major advantage to securing Lincoln car finance with My Car Credit is that our initial credit checks are only ever a soft search. They therefore won’t impact your overall score, and we can work with drivers who have a poor credit rating too. Don’t forget that by making your car finance repayments in a timely manner, you’ll also be working to improve your overall credit score over time, making you an ideal candidate for future loans.

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

Finding car finance in Lincoln in three steps

Whether you’re based in Grantham, Market Rasen or sunny Skegness, you’ll find fantastic car finance with My Car Credit. Follow these three steps to get your car finance on the road:

Get approved for car credit from My Car Credit

Fill out our online application form

You’ll need to provide us with some personal information, including your employment and the kind of car finance deal you’re looking for. If we decide that you’re a viable candidate, we’ll give you a no-obligation quote.

Red car purchased using car finance from My Car Credit

Shop around for your new car

We’ll perform an initial soft credit check and will establish the terms of the car finance agreement. Once you know the kind of budget you’re working with, you can shop around for an appropriate vehicle.

sign and collect for your new car bought with car finance

Hit the road

We’ll take charge of any last-minute arrangements between the lender and yourself. Once everyone is happy, you can collect your car keys and take to the open road.

my car credit adviser for car finance

Discover car finance in Lincoln that suits you

Whether you enjoy driving the roads of Boston, Branston or Sutton-on-Sea, you’ll easily find great car finance in Lincoln and the surrounding areas. If you’d like to learn more about how we can help you, contact us on 01246 458 810 or send us an email at enquiries@mycarcredit.co.uk.

my car credit adviser for car finance

Discover car finance in Lincoln that suits you

Whether you enjoy driving the roads of Boston, Branston or Sutton-on-Sea, you’ll easily find great car finance in Lincoln and the surrounding areas. If you’d like to learn more about how we can help you, contact us on 01246 458 810 or send us an email at enquiries@mycarcredit.co.uk.