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Car Finance in York

Rates from 9.9% APR.
Representative APR 11.9%

York Car finance
Evolution Funding logo for car finance broker

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

Cliffords Tower in York

With so many models of vehicle on the market, finding one that suits you can take a significant amount of time and effort. That’s before you’ve looked for car finance, which is a must-have if you want to spread the cost of your new wheels.

That’s where My Car Credit comes in. We aim to streamline your search for car finance in and around York, minimising the red tape and paperwork with an application process that’s as straightforward as possible. Using our online car finance calculator, you can tell us about the type of rates and repayment terms you’re looking for. We’ll then ask for a little bit about you before providing you with a no-obligation quote in mere minutes. Our goal is to help you be in control of your car finance from the get-go.

By making a series of affordable monthly payments based on a pre-agreed schedule and budget, you can split the cost of your vehicle whilst still having full usage. That way, you get the car that you want at a deal that suits you. Before you know it, you’ll be driving off the forecourt and taking to the road in your new wheels. It’s as simple as that.

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 11.9%, annual interest rate (fixed) 11.87%, 47 monthly payments of £194.81 followed by 1 payment of £204.81 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,860.88, total amount payable £9,360.88.

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 for York drivers 

The fact of the matter is that buying a car is likely to be expensive. Whether you’re on the hunt for a brand-new set of wheels or are looking for a nearly new or used upgrade, it’s still likely to be a hefty purchase. That’s why thousands of York drivers are turning to My Car Credit for their car finance.

Whether you’re based in Selby, Malton, or Pocklington, we’re committed to helping our customers find the right deal for their unique circumstances. You’re in control from the first moment, as you tell us about the kind of deal you’re looking for. What’s more, our unique technology matches your circumstances with the right lender and broker for you. That way, your car finance is significantly more likely to be accepted.

We also understand how frustrating red tape and paper-pushing can be, which is why you won’t find any with us. Where we give you an on-screen rate, that’s the rate you’ll get, and you’ll never experience any surprise fees or hidden costs. You’ll always know how much you owe and when you owe it, so you can drive off the forecourt without that hanging over you.

You can even get car finance with a poor credit score – our soft credit search won’t impact you in anyway. Similarly, we understand that you might want to shop around in order to get the best deal at the best budget for you, which is why our quotes are no-obligation.

Map icon

Where can I find car finance in York?

Traditionally, drivers would look to the dealership where they were buying their next car for car finance. This has many disadvantages for you, the customer. This is because the dealer may struggle to offer you a good rate if they have a limited number of lenders available to them.

It’s for this reason that drivers around York are turning to My Car Credit for their car finance. We tailor each car finance deal to your circumstances and can help you fund your vehicle – whether it’s a brand-new or used model.

What’s more, we’ve established excellent relationships with thousands of quality-approved car dealers around the UK. That means that if you want help searching for your next vehicle, we can leverage our connections to get you both the perfect car and car finance in one go.

If you ever have any questions, our friendly team of car credit specialists are always on hand. They’ll happily guide you through the process of applying for car finance in York and be able to address any queries or concerns you may have.

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

How does My Car Credit work?

We’re constantly told by our customers that our online application process is an absolute doddle to complete. Simple to follow and straightforward, you’ll get an answer within minutes and be able to take affirmative steps to securing the best car finance in York. Just follow these three steps:

Get approved for car credit from My Car Credit

Fill in the online application form

We’ll ask you for some personal information as well as an idea of the kind of deal you’re looking for. Once you’ve input these details, we’ll conduct a soft credit search and decide whether we can approve your application and what rate we can offer. 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

When your application is given the green light, you can begin searching for your new set of wheels. Knowing your repayment schedule and budget, you’ll be better able to make an informed decision about which vehicle best suits your needs. Don’t forget that our team can always support your car search, so get in contact if you need assistance.

sign and collect for your new car bought with car finance

Hit the road

Once you’ve found your dream car and car finance, it’s time to get behind the wheel. We’ll complete the paperwork and facilitate the liaison between the lender and broker. When all parties are happy and payments are finalised, you can collect your keys and drive off into the sunset.

my car credit adviser for car finance

Start your car finance journey with My Car Credit

If you’ve still got questions, contact our team of car credit specialists today. Our friendly team are there to guide you through the process and answer any queries that you may have. You can contact them on 01246 458 810.

Alternatively, if you’re ready to start your path to finding the best car finance in York, use our car finance calculator and receive a no-obligation quote in minutes. We look forward to helping you take control of your car finance.

my car credit adviser for car finance

Start your car finance journey with My Car Credit

If you’ve still got questions, contact our team of car credit specialists today. Our friendly team are there to guide you through the process and answer any queries that you may have. You can contact them on 01246 458 810.

Alternatively, if you’re ready to start your path to finding the best car finance in York, use our car finance calculator and receive a no-obligation quote in minutes. We look forward to helping you take control of your car finance.