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Car Finance in Plymouth

Representative APR 10.9%

Car Finance in Plymouth

Representative APR 10.9%

Evolution Funding logo for car finance broker

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

Shopping for your new set of wheels can be seriously fun. From selecting a make and model to choosing the trim fittings to the colour, finding a new car is one of the best shopping experiences. But finding a way of financing that car can be a different kettle of fish.

Even if you’re not opting for a brand-new vehicle, cars are likely to be expensive, meaning that you’re unlikely to be able to make an upfront payment in full. As such, if you’re Plymouth-based and searching for a way of financing a vehicle, it’s worth considering car finance.

Car finance is a credit agreement between you and a lender. It’s an affordable, accessible way of purchasing a vehicle. There are various different kinds of car finance agreements, depending on your priorities and circumstances, meaning that you’re guaranteed to find a deal that suits you.

You’ll have full use of the car, and will pay it off via a serious of monthly instalments plus interest. And don’t panic if your credit rating is less than ideal – there are ways to secure car finance even with a poor credit score.

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 10.9%, annual interest rate (fixed) 10.86%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702.00, total amount payable is £9,202.00.

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 Plymouth car finance

It’s easy to see why increasing numbers of Plymouth motorists are turning to car finance as a way of paying off their vehicle. Traditionally, drivers would turn to dealerships for financing solutions. But this gives dealers the upper hand, allowing them to dictate the terms and rates of the finance agreement – and that’s not to mention the amount of time and energy drivers would spend cross-comparing and haggling over different options.
White audi purchased using car finance

Today’s world of car finance is totally different. At My Car Credit, we’ve worked hard to reduce the faff involved in shopping around for car finance – in fact, our online application form will give you a no-obligation quote in mere minutes. We’ve also removed the access barriers that Plymouth drivers would typically face when looking for car finance. With us, the rate you see is the rate you get, and we’ve removed the burdensome paperwork, getting rid of red tape and hidden costs or fees.

We understand that finding the right car finance for you can be confusing, which is why we’ve made the process as simple as possible. In our online form, you tell us a bit about yourself and the kind of deal you’re looking for. From there, we perform a soft credit search – meaning it doesn’t impact your overall rating – so as to establish whether you’re a viable loan candidate. We can accommodate your needs and circumstances in order to find a car finance agreement that works for you – our aim is to get you on the road with your new vehicle as quickly as you need to be.

How to find Plymouth car finance

Gone are the days of traipsing from dealership to dealership trying to haggle for the best deal. My Car Credit provides all of our car finance online, meaning that drivers from Devonport to Keyham and Stonehouse to Goosewell can find a car finance deal that suits them.

We know that different drivers have different needs, which is why we work with you to find an appropriate finance agreement. And don’t worry if you don’t yet know what kind of car finance is right for you – My Car Credit’s friendly team of car credit specialists are on hand to answer any questions that you may have. We’re here to help you find the perfect car finance agreement for you, and can work within your circumstances according to your priorities and driving habits.

Once we’ve helped you to establish the kind of car finance deal that works for you, we can leverage our excellent connections with UK-wide lenders in order to secure an agreement. 

Remember that with us, the rate you see is the rate you get, and we won’t throw in any surprise fees. We’re also constantly told by customers that our online process is straightforward and simple to fill out.

Any initial credit check is also only ever soft search, meaning that it won’t impact your overall credit score, unlike with traditional dealers. In fact, we can work with drivers with poor credit ratings. By making your monthly repayments in a timely fashion, you’ll actually be working to improve your overall score too, making you a preferential candidate for future loans.

What’s more, if you haven’t yet found a car, we can help. We’ve got a one stop shop of quality, pre-approved new and nearly new vehicles – meaning that you can find both your car and car finance in one go.

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

Secure your car finance in three steps

If you’re ready to get a car finance quote and find your ideal Plymouth car finance, follow these three simple steps:

Get approved for car credit from My Car Credit

Fill out our online form

This is where we get to know each other. You provide some personal information and specify the kind of finance deal that would suit you, and we’ll establish whether or not we can advance your application after performing a soft credit search.

Red car purchased using car finance from My Car Credit

You find your new car

If we decide we can proceed with your car finance, you’ll be able to shop around for the vehicle with a greater sense of the budget you’re working with.

sign and collect for your new car bought with car finance

Take to the road

We’ll manage any liaison between yourself and the lender, and once all parties are happy, you can collect your keys and hit the road.

my car credit adviser for car finance

Secure your dream Plymouth 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 Plymouth 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.