Skip to content

Car Finance in Stoke

Rates from 9.9% APR.
Representative APR 12.4%

Stoke Car finance
Evolution Funding logo for car finance broker

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

Welcome to Stoke

Finding a new or nearly-new car is an amazing experience. There are so many exciting steps – like choosing the make you like, then honing in on a particular model. There’s no questioning it, shopping around for your next drive has real appeal. But what about finding Stoke car finance?

Your car is likely to be one of the most expensive purchases you ever make. You’re unlikely to have the cash to pay up-front, which means that you’re going to need other ways to finance the purchase – and one of the best ways to do so is via car finance.

Car finance is a kind of credit agreement between you and a lender. It’s a way of ensuring that you have full use of the vehicle, which you pay off by way of affordable monthly instalments, plus interest.

The right kind of car finance for you will vary depending on your needs, as well as your financial history and position. But My Car Credit can help you to find a finance agreement that works for you. We’ve worked hard to make finding and securing car finance in Stoke as easy as possible. It’s little wonder that increasing numbers of motorists UK-wide are turning to us for their car finance needs.

My Credit Rating


  • 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


  • 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


  • 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


  • 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


  • 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

Typical rate

Loan amount

Total payable




*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

Just as drivers would traditionally be looking to car dealerships for their next vehicle, they’d also look to dealers to provide the car finance. However, this leaves drivers at a disadvantage, as dealers would hold all of the cards for determining rates of interest and repayment terms.
White audi purchased using car finance

Today’s car finance is a different world. My Car Credit can help you to find affordable, accessible car finance. We know that these kinds of agreements can be confusing, so we’ve streamlined the process of securing car finance to make your life a little easier, removing the red tape and hidden fees.

Our online application form provides us with the chance to get to know you a little. You just tell us a bit about yourself and the kind of car finance deal you want, and we’ll help to secure you an agreement that works within your financial means and accommodates your driving and vehicular preferences. The form is quick to fill in, taking the stress out of your search and providing a no-obligation quote in mere minutes – plus, the rate you see is the rate you get.

Don’t worry if you don’t yet know your preference for car finance, either. Our team of car credit specialists are always on hand to answer any questions that you may have about car finance. We’re a friendly bunch, and we’re here to help Stoke drivers secure car finance that works for them, as quickly and easily as possible.

We also won’t perform an initial hard credit check, which means that it won’t impact your overall score. This distinguishes us from traditional dealers, too, who typically conduct a hard search in the first instance, which can have adverse effects on your report. We can also work with drivers with a poor credit score, and by repaying your monthly instalments in a timely fashion, you’ll be working to improve your credit report. That helps to make you a more attractive candidate for future loans.

Map icon

How to find car finance in Stoke

Gone are the days of traipsing from dealership to dealership, spending valuable time and effort shopping around for car finance. My Car Credit can help you to find online car finance that’s flexible and affordable, meaning that drivers from Longton, Fenton, Burslem and beyond will be able to find an agreement that works for them.

We understand that no one driver is the same. There are different kinds of car finance available depending on your financial circumstances and driving habits, as well as whether or not you’d like to own the vehicle at the end of the loan term. Once we’ve established what kind of finance agreement would best suit you, we’ll work with our network of UK-wide lenders in order to find you the car finance that works for your particular needs.

Our application process is all online, making it as easy to use as possible. In fact, we receive consistent feedback from customers about just how straightforward it is to secure car finance with us. But don’t worry if you’re confused – our friendly team are on hand to provide support throughout your search. We’ll see you through your initial search right up until you get to take home the keys to your new car.

We’ve also got a fantastic list of pre-approved nearly-new vehicles too – so you can find both your new car finance and your car in one go!

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

Three steps to secure car finance in Stoke

Finding great Stoke car finance is as easy as one, two, three:

Get approved for car credit from My Car Credit

Fill out the online form

Filling in the online application form is the first step to securing Stoke car finance. You tell us a bit about yourself as well as the kind of deal you’re looking for. We’ll then perform a soft credit search and decide whether or not we can proceed with your application.

Red car purchased using car finance from My Car Credit

Shop around for the car

Once you’ve got a greater sense of the kind of finance you’re working with, you can search for a car with the knowledge that it sits within your budget.

sign and collect for your new car bought with car finance

Collect your keys

We’ll manage any last-minute liaison with the lender, and once all parties are happy, you can collect your keys and take to the road.

my car credit adviser for car finance

Secure your dream Stoke 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 today.

my car credit adviser for car finance

Secure your dream Stoke 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 today.