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Car Finance in Northern Ireland

Rates from 6.9% APR
Representative APR 14.9%

Evolution Logo
Part of Evolution Funding, the UK’s largest motor finance broker.

Car Finance in Northern Ireland

Rates from 6.9% APR
Representative APR 14.9%

Part of Evolution Funding, the UK’s largest motor finance broker.
Evolution Logo

Car Finance in Northern Ireland

Rates from 6.9%
Representative APR 14.9%

Evolution Logo
Part of Evolution Funding, the UK’s largest motor finance broker.
Titanic museum Belfast

It can be stressful looking for a new vehicle, and even more so when you have to factor in ways to pay for your car. That’s why an increasing number of drivers in Northern Ireland are turning to car finance. By making a series of affordable monthly payments that are pre-agreed according to your budget, you can make the whole process far more manageable. That way, you get to drive off the forecourt with both the car and the car finance deal of your dreams.

At My Car Credit, we pride ourselves on helping customers find the right car finance for them. Whether you’re looking to upgrade to a swanky new model or need to upsize to make space for a growing family, we’re here to help you find the car finance that ticks your boxes.

We also recognise that many drivers in Northern Ireland are keen to shop around for their car finance – gone are the days where people would take the first offer from their dealership.

That’s why we’ve designed our online application process to be as easy to use as possible, giving you a quote within minutes with minimum red tape and no impact on your credit score. And don’t worry if you’re keen to shop around before committing – our quotes are no-obligation, so you can take the time you need to decide.

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 14.9%, annual interest rate (fixed) 14.85%, 47 monthly payments of £204.69 followed by 1 payment of £214.69 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,335.12, total amount payable is £9,835.12.

My Car Credit is a credit broker and not a lender.

Car finance for Northern Ireland drivers 

There’s no arguing with the fact that cars are usually quite expensive. But car finance doesn’t have to be! That’s why we work so hard to streamline the process of finding car finance that corresponds with your needs – whether you’re based in Belfast, Omagh, or Derry.

The application process is online and takes mere minutes to complete. Our technology will match your circumstances to the right product and lender – that way it’s more likely that your car finance is accepted. Plus, you’ll always know how much you need to pay and when, so you can drive off the forecourt with minimal stress.

You can even get car finance with a poor credit score, and our soft credit search won’t impact you in any way. Any quotes that we give you are no-obligation, and the rate that you see is the rate you get – we won’t surprise you with last minute fees or bureaucratic red tape. What’s more, our car credit specialists are always on hand to support your application and answer any questions that you may have. We’re here to help you get your ideal car with monthly payments that you can afford.

Where can I find car finance in Northern Ireland?

Traditionally, whether drivers were looking for a new or used car, car finance was offered by the dealer from which the car was purchased. However, this can disadvantage buyers, especially if the dealer only uses a small number of lenders.

That’s why many Northern Ireland drivers are turning to My Car Credit for car finance. Our process is designed for you, the customer, taking account of your budget, requirements and preferences. This is the same whether you’re looking for a brand-new vehicle or a nearly new car.

With well over a million drivers in Northern Ireland, there’s plentiful opportunity to shop around for a perfect nearly-new or used vehicle. My Car Credit can help you narrow down your search – we have the largest panel of car finance lenders out of any UK broker, so you can leverage our connections to find a deal that suits you.

We also have a one-stop shop of quality used and nearly-new cars, all of which are approved through our nationwide dealer network. What’s more, we’ve established excellent relationships with over 4,500 UK car dealers, so we can help drivers from Bangor to Newry get both the perfect car and car finance in one.

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

How does My Car Credit work?

We’re very proud of our application process at My Car Credit – we’re frequently told by customers that it makes finding car finance simpler and stress-free. These are the steps we’ll guide you through in order to secure the best car finance for you:

Fill in the online application form online

We’ll ask you for some basic details about yourself, as well as some information about the kind of deal you’re looking for. Next, we perform a soft credit check before deciding on the rate we can offer you. This search will not impact your credit score, and any quote that we offer is no-obligation.

Choose a car

Once your car finance application is green lit, you can search around to find your next set of wheels. If you have questions, don’t forget our car credit specialists can support your search and provide advice along the way.

Take to the road

We facilitate the liaison between the lender and dealer once you’ve settled on both a new vehicle and the car finance that works best for you. Once your payment is finalised and all parties are happy, you can collect your keys and car, and hit the road. It’s as simple as that.

Start your car finance journey today

Check out our car finance calculator and take your first step in finding car finance that suits you. Alternatively, if you’d rather speak to someone over the phone, call 01246 458 810 and have a chat with one of our friendly team. They’re on hand to answer any question and clarify the whole process for you. My Car Credit is here to help all Northern Ireland drivers secure the best car finance – so get in touch today.

Start your car finance journey today

Check out our car finance calculator and take your first step in finding car finance that suits you. Alternatively, if you’d rather speak to someone over the phone, call 01246 458 810 and have a chat with one of our friendly team. They’re on hand to answer any question and clarify the whole process for you. My Car Credit is here to help all Northern Ireland drivers secure the best car finance – so get in touch today.