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Car Finance in Newcastle

Rates from 9.9% APR.
Representative APR 12.4%

Newcastle Car Finance
Evolution Funding logo for car finance broker

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

Welcome to Newcastle

After a house, a car is usually the second largest purchase a person will make. That’s no different for drivers throughout Newcastle, from the city centre to the suburbs of South Shields. However, that doesn’t mean that it’s out of reach – in fact, with affordable car finance, you can drive off with a set of wheels that exactly suits your needs.

It’s all about finding the car finance that’s right for you, and that’s where My Car Credit comes in. From Bedlington and Bywell to Ovington and Ovingham, our car finance is designed to match your unique needs to the right lender, helping you to secure a fair deal. It’s little wonder that drivers around Newcastle 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 for Newcastle motorists

Red tape, paperwork, and hidden fees – sound familiar? Securing the funds for your next vehicle can be an administrative nightmare, which is why you need a Newcastle car finance provider who’s on your side.

With car finance from My Car Credit, you’ll be making a series of affordable monthly repayments based on a pre-agreed schedule that suits you. You’ll know exactly what you owe and when, which will help you to stay in charge of your finances, making the whole process of paying off a car more manageable.

You still have full usage of the vehicle and can decide on a number of different finance plans depending on your circumstances and whether you want to own the car at the termination of the finance repayment. What’s more, when you make your repayments on time without missing any, you could even improve your overall credit score, which looks favourable for any future loan applications.

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Finding Newcastle car finance

Finding the right car finance can be a hassle. Traditionally, motorists would look to their car dealership to provide both the new vehicle and the car finance. However, this leaves drivers at a disadvantage as the dealer may only have a limited number of lenders available to them. This can affect the dealer’s scope for offering you the best rates in the market.

Newcastle drivers are now more savvy and will tend to find their car finance online. By shopping around, drivers are better able to find a deal that suits their unique circumstances, giving them more control over their car finance from the off. That said, searching for deals can take significant amounts of time and energy – and you may find yourself car finance that looks okay at first glance, but involves hidden fees, supplementary costs, and a whole lot of red tape.

My Car Credit has worked hard to remove all of these barriers to accessible, affordable car finance. First off, we’ve made our online application process as quick and easy to fill in as possible – just pop your personal details into our car finance calculator and you’ll have a no-obligation quote in mere minutes.

The My Car Credit difference

We can help you to secure car finance terms that suit your needs, no matter what vehicle you’re looking to finance. With us, the rate you see is the rate you get – we pride ourselves on having a process that’s as transparent and straightforward as possible.

Any credit check that we perform will always be a soft search. That means that it won’t impact your overall credit score, and we’ll endeavour to facilitate your car finance needs even if you have a poor credit rating.

White audi purchased using car finance

Our sophisticated technology is designed to match you with the best lender for your needs, which means that your application for car finance is more likely to be accepted. We’ve actually got the largest panel of car finance lenders out of any broker, and we’ll facilitate the liaison, too. If you do have any questions, queries, or concerns about Newcastle car finance, our team of car credit specialists are always on hand and can guide your search in the right direction.

If you’re keen to find both your car and car finance from one source, we’ve also got great connections with over 4,500 quality-approved, UK-wide car dealers. We’ll leverage our connections to find you the drive and deal of your dreams.

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

How does My Car Credit work?

We aim to make finding car finance in Newcastle as simple and swift as possible, breaking down any access barriers. Our online process receives constant praise from customers for its ease of use, and it involves just three key steps:

Get approved for car credit from My Car Credit

Fill out an application form

All you need to do is provide us with some personal information, as well as detailing the kind of car finance you’re looking for and repayment terms that would suit you. We’ll conduct a soft credit search and establish whether we can proceed with your application. Remember that any quote we provide is no-obligation – you decide whether or not to proceed with the car finance. Should you choose to do so, we’ll use our technology to match you with a lender that best suits your requirements.

Red car purchased using car finance from My Car Credit

Choose your wheels

Once all parties are happy to proceed, you can look for a new set of wheels that suits your car finance terms. Remember that we can help you to find a new car if you’d like any assistance with this search.

sign and collect for your new car bought with car finance

Hit the road

You’ve got the car and the car finance. It’s time to collect your keys. We’ll manage the liaison and paperwork between lender and broker, and once each party is satisfied and a repayment schedule is finalised, you can drive off into the sunset.

my car credit adviser for car finance

Start your car finance journey today

Want to find out more about Newcastle car finance? Speak to one of My Car Credit’s friendly team today on 01246 458 810. Drawing upon a broad network of lenders, we’re best placed to help you find a car finance deal that’s tailored to your budget, credit score and personal preferences.

my car credit adviser for car finance

Start your car finance journey today

Want to find out more about Newcastle car finance? Speak to one of My Car Credit’s friendly team today on 01246 458 810. Drawing upon a broad network of lenders, we’re best placed to help you find a car finance deal that’s tailored to your budget, credit score and personal preferences.