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Car Finance in Milton Keynes

Rates from 9.9% APR.
Representative APR 12.4%

Milton Keynes Car Finance

Car Finance in Milton Keynes

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 Milton Keynes

There’s nothing quite like getting a new car. From upgrading to a vehicle with more sophisticated add-ons to finding a model with a little extra power, finding your next set of wheels can be an exciting experience. But finding car finance? That’s often a different story.

Even if you’re looking for a car that isn’t the highest spec on the market, financing your new vehicle may seem overwhelming if you’re just starting your search. After a house, a car is the second highest purchase you’re ever likely to make, meaning that most people don’t have access to the cash up front.

As such, car finance is becoming an ever more popular way of financing a vehicle. But where do you find car finance that works to your means and isn’t going to pile on the administrative stress?

My Car Credit can help. We’ve worked hard to reduce the amount of paperwork and red tape that you’re otherwise likely to face in the search for car finance in Milton Keynes. So, whether you’re based in the centre of Milton Keynes, or you’re looking for car finance near Bletchley, Winslow or Olney, we can help.

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.

Car finance – what are the benefits?

First up – what is car finance? Car finance is a catch-all term for a range of different credit agreements that allow you to borrow money against the purchase of a new vehicle. There are a number of car finance agreements, meaning that it’s a flexible way for drivers with varying needs and circumstances to fund their new (or nearly new) vehicle. With car finance, drivers have full use of the vehicle, which they pay off via a series of pre-agreed monthly instalments.

White audi purchased using car finance

As such, if you’re a Milton Keynes driver looking for a way to fund the purchase of your next vehicle, car finance is a flexible, affordable way of doing so. There’s no ‘one size fits all’ approach, and at My Car Credit, we work with drivers according to their different needs and circumstances in order to find the best agreement possible.

As our application process is online, it takes mere minutes to fill the form out. This form allows us to get a sense of the kind of finance candidate you might be, as well as getting to know more about the type of term that would best suit you. From there, we’ll provide a no-obligation quote, which will give you a better idea of the kind of car finance agreement that you might be viable for. The process is speedy and straightforward – we know that Milton Keynes drivers are busy, and ensuring that you have all the information that you need to make an informed decision is our goal.

What’s more, our initial credit check will always be a ‘soft’ search, meaning that it won’t impact your overall score. We can even work with drivers with poor credit ratings, and by repaying your monthly finance instalments, you’ll be working to improve your score while making yourself an ideal candidate for future loans.

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How to find car finance in Milton Keynes

Once upon a time, dealers held all the cards with car finance. Milton Keynes motorists would have to spend serious time and effort comparing offers at different dealers, and would be at a serious disadvantage when it came to haggling on rates or the length of agreements.

Thankfully, My Car Credit’s approach to online car finance has streamlined this process. We’ve worked hard to reduce the time and energy you’ll spend applying, as we understand the need for punctual decisions. We’ve also made our car finance as accessible as possible for all Milton Keynes drivers, removing the red tape and paperwork typically involved in the process.

Any rate that you see is the rate you get with us, and we won’t throw in any surprise payments, either. We’re also a very approachable bunch, and if you do find yourself with any questions or concerns about the process, you can contact our team of specialists, who will be happy to address any of your queries.

We’ve spent time developing excellent relationships with some of the top lenders in the UK, and can leverage our network in order to find you the best car finance possible based on your needs. And don’t panic if you haven’t yet found a car – we’ve got a selection of pre-approved new and nearly-new vehicles that you can choose from, securing both your car and car finance in one go.

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

Secure your ideal car finance in three easy steps

If you’re a Milton Keynes driver and are ready to start your journey to secure the best car finance possible, all you have to do is follow these three steps:

Get approved for car credit from My Car Credit

Fill out our application form

This is where we get to know you better. You fill in some personal information such as your employment details and the kind of car finance you might be looking for, and we determine whether we think you’re a viable candidate. Remember that anything we quote you is no-obligation, and the rate you see is the rate you get.

Red car purchased using car finance from My Car Credit

You find your new car

Once we’ve performed an initial soft credit search and determined that you’re a suitable candidate for car finance, we establish the terms of the agreement. From there, you’ll have a sense of the budget you’re working with, and can shop around for your new set of wheels.

sign and collect for your new car bought with car finance

Take to the road

Provided that all parties are happy, we’ll then manage any final liaison with the lender, and you can collect your keys and make full use of your new car.

my car credit adviser for car finance

Secure your dream Milton Keynes car finance today

Finding car finance needn’t be a hassle – and with My Car Credit, it won’t be. Use our car loan finance calculator for a breakdown of your expected monthly payments and more. Or to learn more about how we can help you, call us on 01246 458 810 or email us on enquiries@mycarcredit.co.uk today.

my car credit adviser for car finance

Secure your dream Milton Keynes car finance today

Finding car finance needn’t be a hassle – and with My Car Credit, it won’t be. Use our car loan finance calculator for a breakdown of your expected monthly payments and more. Or to learn more about how we can help you, call us on 01246 458 810 or email us on enquiries@mycarcredit.co.uk today.