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Car Finance in Reading

Rates from 9.9% APR.
Representative APR 12.4%

Reading car finance
Evolution Funding logo for car finance broker

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

Welcome to Reading

Buying a car is an incredibly important purchase. It’s highly likely that your car will be one of the most expensive items you buy in your lifetime. So, when it comes to financing your new set of wheels, the expense can feel overwhelming for most drivers.

Fortunately, it doesn’t have to be.

It’s never been easier to find car finance in Reading than with My Car Credit. We’ve worked hard to remove the red tape so that our car finance agreements are accessible and affordable – and we can even work with drivers with poor credit scores. Whether you’re based in Henley, Pangbourne, or Reading itself, we’ve got car finance to take the stress out of your search.

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?

There are many reasons why you might be looking for a new car. You might be looking for a vehicle with a bit more space for the family. Or perhaps you’re after a safe, secure first car. Maybe you just want an upgrade from your usual set of wheels. Whatever your reasons, different drivers will have different driving needs and circumstances. That’s why My Car Credit believes that your car finance should be as unique as you are.

White audi purchased using car finance

Car finance is a one-size-fits-all term for a number of different credit agreements. With car finance, you can borrow a predetermined amount of money to fund the purchase of a new or nearly-new vehicle. You’ll pay this off via a series of affordable monthly instalments, making full use of the car in the meantime.

My Car Credit can help Reading motorists to find car finance that works best for their circumstances, and can even accommodate individuals with poor credit scores, depending on the specific case. You might go into your car finance search knowing exactly what you need and want from a vehicle. On the other hand, you may be completely new to the process. Either way, My Car Credit’s friendly team of specialists are on hand throughout your search, answering any questions and addressing any queries that you may have.

What’s more, our application process is fully online. We know how important a simple, streamlined process is to Reading drivers, which is why we’ve made our form as easy to fill out as possible. You tell us a bit about yourself and the kind of car finance deal you’re looking for. We’ll then perform an initial soft credit search before deciding whether or not we can proceed with your application.

If we conclude that you’re a viable candidate for car finance, we’ll then give you a no-obligation quote, which will suggest the kind of car finance deal that best suits you. In mere minutes, you’ll be able to decide if you want to go ahead with our Reading car finance – and you’ll do so in full knowledge of the kind of budget and repayment terms you’re working with.

Map icon

How to find car finance in Reading

Before the days of online car finance, drivers in Reading and beyond would have to turn to dealerships for their car financing. Unfortunately, this wasn’t always the best option for customers. It frequently put them at a disadvantage, as dealers held all the cards in determining interest rates and agreement terms. It also meant that people had to invest significant time and energy into shopping around different dealers, trying to haggle for the best car finance deal.

Today’s drivers are savvier. Car finance from My Car Credit is all done online, and our form is easy and straightforward to fill out. Gone is the endless red tape and risks of hidden fees – with us, any rate you see is the rate you get. We pride ourselves on our transparency and accessibility, and we want all Reading drivers to secure car finance that works for their means and needs.

The initial quote you’ll receive is always no-obligation, meaning that you’re free to walk away should you choose to do so. Our friendly team of experts are always on hand to answer any questions you may have, so even if you’re a car finance novice, we’ll help you to navigate your way to an ideal car finance agreement. We’ve spent years cultivating working relationships with the best UK-wide lenders, and can leverage these connections to secure a deal that suits each customer. Once you know the kind of terms and budget you’re working with, you can shop around for a suitable new set of wheels. Alternatively, if you’re looking to secure your car and car finance in one go, you can do so by checking out our one-stop shop of quality, pre-approved, nearly-new vehicles.

We can also provide car finance for Reading drivers with less-than-ideal credit ratings, and any initial search that we perform is always soft, so it won’t impact your overall score. Don’t forget that repaying your monthly instalments in a timely manner can also improve your overall credit score, making you a viable candidate for future loans.

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

Three steps to Reading car finance

Follow these steps to get your best ever car finance journey started:

Get approved for car credit from My Car Credit

Fill in our online application form

Tell us a bit about yourself, and we’ll establish whether we think you’re a viable car finance candidate, offering a no-obligation quote if so.

Red car purchased using car finance from My Car Credit

Find your new wheels

You get to do the fun part and shop around for a new car. Knowing your budget and car finance term length will allow you to find a suitable vehicle that works for your needs.

sign and collect for your new car bought with car finance

Take to the road

Once all last-minute liaisons with the lender have been managed by us, you can collect your car keys and hit the road.

my car credit adviser for car finance

Car finance in Reading to suit your needs

For affordable, accessible Reading car finance, there’s no better place to start than My Car Credit. We’ll give you a no-obligation quote in mere minutes, so that you can start the search for your new wheels with full knowledge of the car finance agreement you’re working with. If you’d like to know how much you could be entitled to, check out our car loan calculator today.

my car credit adviser for car finance

Car finance in Reading to suit your needs

For affordable, accessible Reading car finance, there’s no better place to start than My Car Credit. We’ll give you a no-obligation quote in mere minutes, so that you can start the search for your new wheels with full knowledge of the car finance agreement you’re working with. If you’d like to know how much you could be entitled to, check out our car loan calculator today.