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Car Finance in Nottingham

Rates from 6.9% APR
Representative APR 13.9%

Car Finance in Nottingham

Rates from 6.9%
Representative APR 13.9%

red mini bought using car finance in Nottingham
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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £7,500.00, total amount payable is £9,676.24.

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

White Audi bought using car finance outside Wollaton Hall Nottingham

Searching for car finance in Nottingham?

Are you searching for car finance in Nottingham? Whether you’re looking to take the leap and buy your first set of wheels, or simply wish to upgrade your old motor for a newer model, My Car Credit is on hand to help.

Since 2015, we’ve helped countless drivers raise the funds for their next automotive purchase. Our status as an established credit broker allow us to source the best financing deals on your behalf. 

In addition, our range of tried and trusted dealerships gives access to the best makes and models on the market near you. 

Finding and financing your next car has never been easier!

We’re renowned for the fair and fast decisions we take when it comes to approving or declining an application. This means you can get the ball rolling within just a matter of minutes.

That’s even true for those buyers who may have suffered from a poor credit rating in the past, since we consider all circumstances. What are you waiting for? Begin your application for car finance in Nottingham today!

What are the advantages of using car finance?

Like all major purchases, a new car can take its toll on your bank account. There aren’t many people who would be able to clear the balance with a single lump sum payment. That’s where car finance comes in. Instead of putting yourself in the red right away, you can choose to spread the sum out over manageable monthly instalments, easing the strain on your finances.

This idea is nothing new when it comes to purchasing a new car, but the process of how to go about seeking and securing car finance has changed. Traditionally, these negotiations have taken place in the dealership itself, where the odds are stacked heavily in the favour of those selling the car. We noticed that this arrangement wasn’t exactly fair, which is why we set up My Car Credit in 2015.

Now, it’s possible to use our extensive panel of lenders to make sure you get the best rates available and understand the kind of budget available to you. All this before you’ve even started looking for a car. And with a list of local dealerships in and around the Nottingham area, we can unite you with both the lender and the dealer that’s right for you.

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Where can I find car finance in Nottingham?

As a major UK city, Nottingham is home to an abundance of car dealerships. This means there is no shortage of options when it comes to finding your next dream vehicle. However, buyers should beware that not all dealers are as scrupulous or as responsible as they should be, which is why My Car Credit’s network of vendors can come in handy.

Over the years, we’ve built up excellent working relationships with thousands of car showrooms across Great Britain, including plenty of options in your local area.

Whether you’re based in Beeston or Bingham, Mansfield or Markham Moor, Long Eaton or Loughborough, we know a tried and tested dealership in your area.

As well as uniting you with a vendor you can rely upon, we can also provide the financing to help you afford your next car purchase. The whole process can be managed online and over the phone. This makes things as easy as possible when it comes to securing the car you want and the financing you need. It’s no wonder we’re such a popular option for car finance in Nottingham and beyond!

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

How does it all work?

Every aspect of the application process has been designed with you in mind, ensuring the whole process is as straightforward and as stress-free as it can be. We consider applications from anyone and can deliver a decision within minutes. Here’s how it works:

Red number one icon for get approved for poor credit car finance

Fill out our application form online

At My Car Credit, we’re not fans of difficult jargon or technical mumbo jumbo – we prefer to keep things simple. In fact, our customers consistently comment that our application process is one of the easiest out there to complete. What’s more, our soft search won’t affect your credit score when we respond to your initial enquiry.

Yellow number two icon for find a car

Pick the vehicle of your dreams

After we’ve given you the green light on a car financing option, you’ll have a much better idea of the budget available to you. You can then take advantage of our extensive network of local dealerships to find the car that ticks all of your boxes. Even if you decide to go with a showroom outside out of our contacts, we’ll still do our due diligence to make sure everything is legitimate and lawful.

Blue number three icon for sign online process

Take the wheel

Once you’ve found the car you want to purchase and filled out all of the necessary paperwork online, you can sit back and relax. We’ll handle everything with both the dealer and the lender at no cost to you, with the funds usually arriving into the dealership account the next working day. Your next new car is then ready to be driven away at your earliest convenience.

We pride ourselves on delivering impeccable customer service at every step of the process, which is why we assign a Car Credit Specialist to each and every case from the outset. This friendly and experienced professional will be your first point of contact for any queries you may have at any time, meaning a helping hand or an answer to your questions is always just a phone call away.

A quick and hassle-free process

Red number one icon for get approved for poor credit car finance

Get approved

Complete our online car finance application form for an instant answer on car finance. Our soft search decision won’t impact your credit score!

Yellow number two icon for find a car from any reputable dealer

Find a car

You can find a car first or apply for car finance and then look for a car – we don’t mind! Choose from any reputable car dealer.

Blue number three icon for sign and collect new car bought with poor credit car loan

Sign & Collect

Sign your paperwork online, from the comfort of your home. We’ll transfer funds next working day, ready for you to collect your car!

Smiling poor credit car specialist on phone speaking to car finance customer

What are you waiting for?

Wherever you live in Nottingham or the surrounding area, My Car Credit is here to help. We can advise on a selection of reputable car dealerships near you to ensure you find the perfect car. Then we’ll provide the financing package necessary to make your purchase as hassle-free as possible. We consider all circumstances and applicants, regardless of previous credit history or government benefits status. All that’s required to be eligible is a full UK driving license.

Take the first steps towards securing your next set of wheels by using our car finance calculator to work out your monthly payments. Once you’ve completed our online application form, we’ll get back to you with a decision in minutes. Alternatively, if you’re still unclear about the services we offer and would like more information, drop us a line at or give us a ring on 01246 458 810. Get in touch today!