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Car Finance in Bournemouth

Rates from 9.9% APR.
Representative APR 12.4%

Car finance Swindon
Evolution Funding logo for car finance broker

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

Whether you’re going for a top-of-the-range, brand-new car, or opting for a ‘new to you’ set of wheels, buying a car is expensive. In fact, buying a car is probably only second in expense to buying a house. So, it’s no surprise that most Swindon drivers just don’t have the upfront cash to fund a new set of wheels.

That’s where car finance will help. With car finance, you break down the cost of the vehicle into affordable monthly repayments, plus interest. Different car finance agreements are available for different circumstances – after all, no two drivers are the same. It’s little wonder that over two million cars were purchased with car finance between September 2021 and September 2022.

Get behind the wheel of your next drive by securing car finance in Swindon with My Car Credit in three easy steps.

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.

What is car finance?

Car finance is a catch-all term that refers to a type of credit agreement. You’ll borrow a pre-agreed amount of money from a lender and use this cash to fund the purchase of a new, ‘new to you’ or used vehicle. This loan is then paid back to the lender via a series of affordable monthly repayments, plus interest.

White audi purchased using car finance

By breaking down the cost of the car into more affordably monthly repayments, you’ll be able to get behind the wheel without having to pay for the car in full upfront. The lender will own the vehicle until it’s paid off in full, but you get full use from the get-go.

There are different types of car finance in Swindon available, and the right one for you will depend on your unique needs and circumstances.

You can even find poor credit car finance and used car finance too.

What are the benefits of car finance?

Car finance appeals to all kinds of drivers, from Cirencester to Fairford, for three main reasons – the flexibility, variety and affordability of agreements.

At My Car Credit, we’ve been working with motorists from around the UK for many years. We understand that the right car finance for a driver who’s upsizing their family car won’t be the same as that of a first-time driver.

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

That’s why we’re here to help you find the right car finance in Swindon for your unique needs and circumstances. With a large panel of trusted lenders, we can find the right car finance agreement for practically every driver.

Our goal has always been to make finding car finance as quick and stress-free as possible. Our online application process for car finance in Swindon is designed to be as quick and simple to fill out as possible.

All you have to do is provide us with some personal information, and we’ll give you a no-obligation quote in minutes. We’ll handle the application right through to payout and can provide advice and support where it’s needed throughout the process.

What’s more, with us, the rate you see is the rate you get. You’ll get a real decision based on the information you provide us, and you won’t face any confusing red tape or surprise fees.

We’ll even help drivers with poor credit ratings to secure car finance. Any initial credit check that we perform is a soft search, so it won’t impact your overall credit score. We’ll work with you to find Swindon car finance that suits your rating – and don’t forget that you’ll be improving your overall score by making your repayments in full.

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How to find car finance in Swindon

If you’re looking for car finance in Swindon, it can all be done from the comfort of your own home.

Simply fill out our online application form to get a speedy online decision. We’ll ask you for some personal information and to let us know the kind of agreement that might suit you. From there, you’ll get a no-obligation quote, after an initial soft credit check. You can then decide whether to advance your car finance application – it’s as easy as that.

We’re also part of the UK’s largest motor finance broker, Evolution Funding. Our award-winning technology will match you with the best product and lender for your circumstances. This improves your chances of approval at a rate that works for you.

Our goal at My Car Credit has always been to help drivers find car finance that’s both affordable and accessible, and to do so in a speedy and stress-free way. We’ll help you to buy the car you want at the budget you can afford, no matter your credit score. Our Car Credit Specialists are also always on hand to address any questions you may have throughout the process.

What’s more, you can even secure both your car finance and find your next car with us. We’ve established excellent relationships with over 5,500 reputable car dealers across the UK. This means we’ve got a reliable pool of My Car Dealers who can help you source your next nearly new or used car.

Get approved for car credit from My Car Credit

Apply and get approved online

Use our online application form to begin your application. We’ll ask for some personal information and will perform an initial soft credit check. Once that’s done, you’ll get a no-obligation quote in minutes, and can decide whether to advance your application.

Red car purchased using car finance from My Car Credit

Shop around for your next car

Once you’ve got a sense of the budget you’re working with you get to shop around for your next car. Don’t forget to check out our My Car Dealers for a one-stop shop of quality pre-approved cars.

sign and collect for your new car bought with car finance

Sign the paperwork and collect your keys

We’ll coordinate any last-minute communication with the lender. Once all parties are happy, you get to hit the road in your new drive.

my car credit adviser for car finance

Find car finance in Swindon with My Car Credit

With the largest panel of car finance lenders out of any UK broker, My Car Credit will help you find affordable, accessible car finance in Swindon. In next to no time, you’ll be hopping on the M4 or cruising around the Cotswolds.

Use our online car finance calculator to begin your application or find out more by emailing enquiries@mycarcredit.co.uk.

my car credit adviser for car finance

Find car finance in Swindon with My Car Credit

With the largest panel of car finance lenders out of any UK broker, My Car Credit will help you find affordable, accessible car finance in Swindon. In next to no time, you’ll be hopping on the M4 or cruising around the Cotswolds.

Use our online car finance calculator to begin your application or find out more by emailing enquiries@mycarcredit.co.uk.