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Car Finance in Wakefield

Rates from 9.9% APR.
Representative APR 12.4%

Wakefield Car finance
Evolution Funding logo for car finance broker

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

The Hepworth Gallery

Car finance is a fantastic way of driving off the forecourt with minimal fuss in the set of wheels that you want. It makes the whole process far more affordable and manageable, with a series of monthly instalments to split the cost of your vehicle whilst still having full usage. You get the car that you want at a deal that suits you, which is why it’s such a popular option for people in Wakefield and the surrounding areas. 

That’s where My Car Credit comes in. Whether you’re based in Pontefract, Castleford, or Featherstone, we’re here to help you get your new set of wheels with no worries. We understand that it can be confusing navigating the world of car finance. That’s why we design our application process to have minimal red tape and paperwork, making it as accessible as possible.  

We also appreciate that an increasing number of people in the Wakefield area like to shop around for their car finance before committing to a deal. Our quotes are no-obligation for exactly this reason, and our soft credit search won’t affect your score. Plus, with us, the rate you see is the rate you get – there are no hidden fees or confusing terms. That means peace of mind for you, and you’ll always know how much you owe. 

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.

Car finance: the benefits 

After a house, cars are the second most expensive purchase that people make. It doesn’t matter if you’re after a flashy new set of wheels, or a used car that will get you from A to B – cars are pricey no matter what. 

That’s why finding the right car from a Wakefield dealer – and the right car finance – is so important. Historically, car finance was only offered by the dealership from which buyers planned to purchase their new car. This means that if the dealer only has a small number of lenders, they may not be able to find you the best deal in the market for your personal situation.  

That’s why the flexibility of My Car Credit’s car finance is so appealing to those in Wakefield and the surrounding area. With our large panel of lenders, we can search the whole market whilst catering for all circumstances. What’s more, our online application process is super speedy and straightforward – we’re here to help you, not confuse you. 

All you have to do is input the car loan amount that you’re looking for and your preferred repayment term into our car finance calculatorWe’ll also ask for some personal details such as your email address and employment information. 

Our technology then matches your particular needs and circumstances with the right product and lender, meaning that your car finance is more likely to be accepted. 

Our team of car credit specialists will also be on hand to support you right through the process. We take pride in treating all of our customers fairly, which is why we take account of your circumstances no matter your credit score. 

Map icon

Where can I find car finance in Wakefield?

It may be that you’ve already found the perfect new car and are looking for the best car finance option to enable your purchase. Or perhaps you’re just starting your search. Wherever you are in your search for a new car, My Car Credit can help you find car finance that suits you – whether you’re based in Wakefield itself or one of the surrounding Five Towns – Normanton, Pontefract, Featherstone, Castleford and Knottingley. 

There’s no doubt that there are plenty of excellent dealerships and showrooms around the area from which to choose your next set of wheels. But don’t forget that we have developed great connections with over 4,500 UK car dealers. We’ve vetted every dealer for their credibility and professionalism, which means you can buy from them with confidenceOur one-stop shop of used and nearly-new cars can streamline the process of finding your next vehicle – and because we have the largest panel of car finance lenders out of any broker, you have a great platform from which to conduct your search. If you’re looking for Wakefield car finance, we provide an option you can trust.  

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

How does My Car Credit work?

Our online application process is quick and easy to fill out. In fact, we are constantly told by customers that we make the process of finding car finance a doddle. Follow these three steps to start your car finance journey today:

Get approved for car credit from My Car Credit

Fill in the online application form

You provide us with some personal information and specify the kind of deal you’re looking for. We’ll then conduct a soft credit search before deciding whether we can approve your application. But don’t worry! The search won’t affect your credit score, and the quote is no obligation. 

Red car purchased using car finance from My Car Credit

Choose your car

Once your application has the green light, you can start the search for your new wheels. The car finance we’ve offered you will inform your decision, ensuring that you don’t waste time finding something that’s beyond your budget.  

sign and collect for your new car bought with car finance

Take to the road

You’ve found the dream car and got the car finance. We’ll complete all the paperwork and facilitate everything between the lender, dealer and yourself. Once your payment has been finalised, you get to collect your keys and hit the road. It’s that simple. 

It may be that you’ve already found the perfect new car and are looking for the best car finance option to enable your purchase. Or perhaps you’re just starting your search. Wherever you are in your search for a new car, My Car Credit can help you find car finance that suits you – whether you’re based in Wakefield itself or one of the surrounding Five Towns – Normanton, Pontefract, Featherstone, Castleford and Knottingley. 

my car credit adviser for car finance

Contact My Car Credit today

Save time and money on your Wakefield car finance by using My Car CreditReceive specialist advice within minutes by using our car finance calculator – or if you’d prefer to speak to someone, call 01246 458 810We look forward to hearing from you and helping you take the first step on your car finance journey. 

my car credit adviser for car finance

Contact My Car Credit today

Save time and money on your Wakefield car finance by using My Car CreditReceive specialist advice within minutes by using our car finance calculator – or if you’d prefer to speak to someone, call 01246 458 810We look forward to hearing from you and helping you take the first step on your car finance journey.