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Car Finance in Southampton

Rates from 9.9% APR.
Representative APR 12.4%

Southampton Car Finance
Evolution Funding logo for car finance broker

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

Welcome to Southampton

Finding the right Southampton car finance can feel overwhelming. It requires time and effort to secure a car finance agreement that’s appropriate for your needs and circumstances. Haggling over car finance is no great way to spend your precious time off, and it can feel frustrating having to back-and-forth with dealers who just aren’t willing to compromise.

That’s why we at My Car Credit have worked hard to streamline your search. We understand just how important it is to find a car finance agreement that suits you – after all, a car is one of the most costly purchases you’re ever likely to make!

You need car finance to be as smooth and simple as possible. Fortunately, we’ve made finding great car finance in Southampton an absolute breeze. What’s more, we can even work with drivers with less-than-ideal credit scores to help them secure the best possible deal.

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.

Why choose car finance?

The benefits of car finance are indisputable. Most Southampton motorists don’t have the upfront cash to purchase a car, particularly if it’s a top-of-the-range make or model. That’s where car finance can help.

White audi purchased using car finance

Car finance allows you to borrow a pre-agreed amount of money in order to finance the purchase of a new vehicle. You’ll then pay this money back via a series of affordable monthly instalments, and you can make full use of the car in the meantime.

The right car finance deal for you will depend on a number of factors. Some drivers want to frequently mix-and-match their cars and aren’t bothered about ownership, whereas others want to own their vehicle after the final payment, and still others are happy to face certain usage limits. As a catch-all term for different kinds of credit agreements, the right car finance for you will depend on your unique driving needs and personal circumstances.

My Car Credit understands that no one driver is the same. We’ve worked hard to take the stress and confusion out of the car finance application process – our online form is quick and easy to fill in, and you’ll have a no-obligation quote in minutes.

Say goodbye to frustrating applications! Our service is tailored to be as accessible as possible for different Southampton drivers. We work with the largest panel of lenders of any broker within the UK. That maximises your chances of finding the perfect car finance to suit your needs. Plus, you won’t have to fear any hidden or unwelcome fees – with us, the rate you see is the rate you get.

We can also work with all kinds of drivers to help you secure accessible and affordable car finance – including drivers with poor credit ratings. Our initial credit check is a soft search, meaning that it won’t impact your overall score. And don’t forget that by making your regular repayments, you’ll be boosting your credit rating overall, which will stand you in better stead for future loan applications.

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How to find Southampton car finance

Traditionally, drivers from Brockenhurst to Wickham would have to shop around between dealerships in order to secure their ideal car finance. Dealers held the advantage for dictating agreement terms and interest rates. Sadly, this often put motorists on the back foot.

Thanks to online car finance, those days are gone. In fact, it’s never been easier to find car finance in Southampton. The process is completed entirely online, saving you time, money and effort. My Car Credit’s online application form takes only minutes to fill out, removing the accessibility barriers typically faced by drivers.

But that’s not to say that you can’t speak to anyone if you have questions or concerns – in fact, our friendly team of specialists is always on hand to address your queries and guide you through the process. We receive consistent feedback from happy customers telling us just how great our service is.

If we decide that you’re a viable candidate for car finance, we’ll perform an initial soft credit search. We’ll then leverage our network of the best UK-wide lenders to help you find an agreement that works for your circumstances. Once you have a sense of the kind of budget and timeframe you’re working with, you can then start the search for your next set of wheels. Want to secure both your car finance and car in one place? We can help! Take a look at our selection of quality, pre-approved used vehicles from our vast network of trusted dealers.

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

Secure your Southampton car finance in three easy steps

Ready to find your ideal car finance? At My Car Credit, we keep the process simple with these three steps. Here’s what to expect…

Get approved for car credit from My Car Credit

Fill out our online application form

First, we need to find out about you and your requirements. You’ll tell us about your personal circumstances and the kind of deal that might suit you, and we’ll determine whether you’re a viable car finance candidate. From there, we’ll perform a soft credit search and provide a no-obligation quote.

Red car purchased using car finance from My Car Credit

Find your new vehicle

Now you have a clear idea of your budget, you can start on your search for that perfect car (and don’t forget about our selection of nearly-new vehicles).

sign and collect for your new car bought with car finance

Take to the road

Once the final liaison is complete and each party is happy, you get to pick up your keys and drive off into the sunset.

my car credit adviser for car finance

Discover great car finance in Southampton

Finding car finance in Southampton doesn’t have to be stressful and time-consuming. With My Car Credit, it’s never been easier.

We work with all kinds of drivers to help them find car finance that’s affordable, accessible, and matched with their needs. Our online application process is super speedy and simple, and we won’t slam you with hidden fees. Wondering how much your payments will be? Use our car loan finance calculator to do the maths and find out your average monthly repayment.

Get behind the wheel of your new vehicle by finding Southampton car finance with My Car Credit today.

my car credit adviser for car finance

Discover great car finance in Southampton

Finding car finance in Southampton doesn’t have to be stressful and time-consuming. With My Car Credit, it’s never been easier.

We work with all kinds of drivers to help them find car finance that’s affordable, accessible, and matched with their needs. Our online application process is super speedy and simple, and we won’t slam you with hidden fees. Wondering how much your payments will be? Use our car loan finance calculator to do the maths and find out your average monthly repayment.

Get behind the wheel of your new vehicle by finding Southampton car finance with My Car Credit today.