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Car Finance in Liverpool

Rates from 9.9% APR.
Representative APR 12.4%

Car Finance in Liverpool

Rates from 9.9% APR.
Representative APR 12.4%

Car Finance Liverpool
Evolution Funding logo for car finance broker

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

Liverpool Cathedral

Finding car finance in Liverpool can feel overwhelming. There are a number of factors to juggle – never mind finding the actual car model you’re after – that can make the whole process feel more stressful than simple.

That’s where My Car Credit can help. From The Wirral to West Kirby, we’ve got car finance that will provide you with affordable monthly rates on repayment terms that suit you, no matter what vehicle you’re looking to finance.

We’ve made our online application process as quick and easy to complete as possible – all you have to do is fill out our car finance calculator, tell us a bit about yourself and the rates that you’re looking for, and you’ll have a no-obligation quote from us in minutes. It’s little wonder that so many Liverpool drivers are turning to us for car finance.

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.

The benefits of car finance

Securing finance for a car can be the most stressful part of the whole process. There’s nothing worse than finding your dream set of new or nearly-new wheels and being unable to find car finance that works for your means.

Traditional methods of car finance are often frustrating. You spend your precious time, energy, and effort travelling from dealer to dealer as you attempt to haggle your way to a suitable agreement. Buyers can find themselves at a disadvantage if the dealer has a limited number of lenders available to them. This can impact on the dealer’s ability to offer you the best rates in the market.

At My Car Credit, we’ve removed all of these barriers, aiming to make finding car finance a doddle for Liverpool drivers. Our application process is streamlined and easy to fill out. Any rate that we quote you is exactly what you’ll get – you won’t find any unwelcome fees, hidden costs, or paper pushing in our negotiations. Plus, with us, the initial credit check is a soft search, meaning it won’t impact your score. What’s more, you can still secure car finance even if your score is poor as we have a broad panel of lenders from excellent through to poor credit.

Our unique technology compares deals across a large panel of trusted lenders and matches your circumstances and requirements with the best option. We manage the liaison between them, and you can split the cost of your vehicle whilst having full usage. It’s that simple. What’s more, once you’ve established a schedule for your pre-agreed monthly repayments, you’ll be able to tailor your search for the perfect set of wheels accordingly, and you’ll know what you owe, and when.

Map icon

How to find car finance in Liverpool

Merseyside is a large area and bouncing around dealerships can be a time and energy drain – but finding car finance doesn’t have to be. In fact, My Car Credit’s application process will provide you with a no-obligation quote for car finance in mere minutes. Because it’s all online, you can find a great car finance deal from the comfort of your home!

We’ll ask for some personal information such as your employment status and place of residence. You then let us know what kind of terms you’re looking for, so that we can reach a rate of repayment that everyone’s happy with. And don’t worry if your credit score is poor – any search that we undertake is soft, so it won’t impact your numbers, and we are able to provide car finance in Liverpool even if your score is low.

If you have questions, our friendly team of specialists are always on hand to answer, and can guide you through the process if you get confused. We also have the largest panel of car finance lenders out of any broker, so we’re able to use these connections to find the best deal for you. If you’re looking for both a car and car finance from the one source, we’ve also got a one-stop shop of quality approved used and nearly-new cars. We aim to get you in the driving seat of your car – and your car finance.

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

My Car Credit’s three-step process

Our customers consistently feedback on the speed and simplicity of our online application process. No matter where you’re based in Liverpool, the process of finding car finance through us is as follows:

Get approved for car credit from My Car Credit

Fill in the online form

This process allows us to get acquainted. You simply fill in personal information and advise us on what kind of deal you’re looking for. From there, we’ll conduct a soft credit search and decide whether we can proceed with your application. Remember that this search won’t affect your credit score and any quote we provide is no obligation.

Red car purchased using car finance from My Car Credit

Select your car

Once your application has been given the go-ahead, you know the rates of repayment that you’re looking at. With a clear plan, you can then budget accordingly for a new set of wheels and begin your search – or purchase the vehicle on which you’ve had your eye.

sign and collect for your new car bought with car finance

Hit the road

You’ve got your car, you’ve got your car finance – now it’s time to take to the open road. We’ll manage any liaison between the lender and broker, and once each party is happy, you can collect your keys and use the vehicle as you need.

my car credit adviser for car finance

Accelerate into your perfect car finance today

Why take a ferry across the Mersey, when you can drive through the Kingsway or Queensway tunnels instead? At My Car Credit, we make it easy for drivers across Liverpool to get the car finance they need in minutes.

If you have any questions, queries, or concerns, our friendly bunch of car credit specialists are on hand to help. Contact them today on 01246 458 810.

my car credit adviser for car finance

Accelerate into your perfect car finance today

Why take a ferry across the Mersey, when you can drive through the Kingsway or Queensway tunnels instead? At My Car Credit, we make it easy for drivers across Liverpool to get the car finance they need in minutes.

If you have any questions, queries, or concerns, our friendly bunch of car credit specialists are on hand to help. Contact them today on 01246 458 810.