Where Do ‘We Buy Any Car’ Sell Their Cars?

Man inspection a car at We Buy Any Car

With more than 400 branches across the UK, We Buy Any Car is one of the biggest and most recognised auto dealerships in the country. Headquartered in Surrey, the industry giant employees more than 700 people and prides itself on quick and easy service.

The promises are lofty, with the company pledging to “sell your car in under an hour” and value your car in just 60 seconds. The service has been an undeniable hit with British motorists, who have left more than 100,000 reviews on Trustpilot and an overall rating of ‘excellent’. That said, the reviews aren’t all glowing – we’ll touch more on that later.

So, what does We Buy Any Car do with its influx of vehicles? We take you behind the scenes and reveal where do We Buy Any Car sell their cars.

Dealerships, car supermarkets and auction houses

Where do We Buy Any Car sell their cars? When you sell your vehicle to this company, it’s generally heading straight to a nearby dealership where it will be sold at a profit to another driver. Alternatively, it may be listed on an online ‘car supermarket’ where it will also be sold at a profit.

If the car isn’t in great condition, it may be relocated to one of the company’s regional centres where it’s offered to a different set of car dealerships and traders. If the car isn’t sold here, it will likely be sent to a car auction and ideally sold for a profit, though this is not guaranteed.

This is why We Buy Any Car covets vehicles that are in good or excellent condition, as the chances of turning a profit are much higher. The risk of having to send a car to auction and losing money is much higher for older and less desirable vehicles.

The pros of We Buy Any Car

  • A tried and tested service that’s fast, easy and hassle free.
  • 100,000 positive reviews on Trustpilot and an ‘excellent’ overall rating.
  • More than 400 branches across the UK, making the service easy to access from almost anywhere in the country.
  • Claims not to bombard you with ‘pushy sales tactics’ leaving you free to decide.

The cons of We Buy Any Car

  • Sellers generally receive a lower than market value price, even for cars in good or excellent condition.
  • Frequent reports of sellers receiving higher price quotes online, then being lowballed at the dealership.
  • Has previously been in hot water with bodies like the Office of Fair Trading (OFT) for misleading motorists.

Buying from We Buy Any Car

Now you know more about where do We Buy Any Car sell their cars, let’s cover how the service may affect you as a buyer. Chances are, you’ll come across cars purchased and resold by We Buy Any Car when shopping for a used vehicle. There are some great deals to snap up, but you do need to be savvy when browsing the market.

This is where My Car Credit comes in. We regularly vet all our preferred dealers for status with the Financial Conduct Authority (FCA), ensuring you receive transparency and excellent customer service. Coupled with award-winning and highly competitive rates and even poor credit car finance, My Car Credit is the best platform to use when shopping for a new set of wheels.

Rates from 6.9% APR. Representative APR 13.9%

Evolution Funding Ltd T/A My Car Credit

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 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 £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

10 Ways to Keep Your Car Secure

Man walking after parking his car in a secure parking lot

From returning to a smashed window in the Tesco car park to heading out to your car in the morning only to find it’s vanished; car crimes are all too common in the UK. In fact, every year, the RAC receives more than 150,000 reports of stolen cars, vans, and motorcycles.

So, what will help keep your car secure? Read on for our comprehensive guide to preventing car theft and break ins. We cover a wide range of solutions, from no brainers like locking your vehicle to clever tricks like installing anti-theft number plate screws.

1. Hide ALL valuables

Don’t think that iPhone cord plugged into your USB charger counts as valuable? Think again. Even if your phone is safely stashed away in your pocket, an iPhone cord tells thieves there’s a chance it could be concealed in your glovebox or under the seat. Leaving your charging cord out just isn’t worth the risk. The same goes for items like a gym bag, which may be stuffed with sweaty clothes but could be mistaken as a goldmine by a thief.

2. Lock your car

It may sound ridiculously simple, but locking your car is one of the easiest and most effective ways to prevent theft. According to Neighbourhood Watch, 44% of all car break ins are via an unlocked door. This means a simple turn of the key or tap of the lock button can drastically reduce the risk of a break in.

3. Install a vehicle tracker

If you’re serious about preventing car theft, installing a personal vehicle tracker is a savvy solution. Designed to track and trace vehicles, these nifty devices keep tabs on your car if it’s taken without your permission. Disclaimer – if your vehicle is stolen don’t go rogue and try to hunt it down yourself. Instead, get in touch with the police and let them take the lead.

4. Use a steering wheel lock

What will help keep your car secure? Most thieves are opportunists so small deterrents like a steering wheel lock can go a long way when it comes to preventing car crime. You’ll find these available from online stores and bricks-and-mortar retailers. The great thing is these locks can be easily fitted to your steering wheel when you’re away from your car.

5. Use public transport in London

Whether you live in London or are just visiting, using public transport is one of the easiest ways to minimise the risk of car break ins and theft. The Capital is one of the most crime-ridden regions in the UK. What’s more, a representative from UK-based company Tracker stated, “It is no surprise that London was the busiest region for vehicle thefts and recoveries in 2020 – it always is. The area accounts for as many recoveries as the next seven regions in our top ten, combined.”

6. Park in a well-lit area

Did you know 80% of all car thefts and break ins occur at night? By parking in a well-lit area, you’re taking away the cover of darkness which can help deter thieves. Ideally, you should park your car in a secure garage overnight. However, if this isn’t possible, try to park under a streetlight. This is one of the easiest solutions when brainstorming what will help keep your car secure.

7. Install anti-theft number plate screws

Personal belongings and the vehicle itself aren’t the only things on the radar of thieves, with number plates also hot property. Stolen plates can be used to evade road tax, steal petrol, and commit other crimes – all under your name. Available from most car accessory stores; anti-theft number plate screws are a shrewd way to deter thieves and keep your plates where they should be.

8. Hide your keys at home

It can be tempting to hang your car keys on a hook next to your front door. Unfortunately, this makes it all too easy for a thief to take off not only with items from your home, but also your car. After breaking into your home, all they need to do is step outside, press the unlock button and look for the flashing lights. So, what will help keep your car secure? Stashing your keys in a drawer or somewhere else out of sight is a simple way to minimise the risk of car theft after a home burglary.

9. Avoid Range Rovers and Land Rovers

Serious car thieves have expensive taste and unfortunately, Range Rovers and Land Rovers top the list as the most stolen vehicles in the UK. Statistically speaking, the chances of your car getting stolen are higher if you own one of these luxury vehicles. That said, they are a pleasure to drive! Therefore, with the right precautions you can enjoy classic models like the Discovery and Defender without having to worry about theft.

10. Upgrade to a newer model

Car manufacturers are continually developing new ways to outsmart thieves. This means when you upgrade to a newer model, you’re also improving your security credentials. For example, the latest Ford models feature intelligent security technology designed to combat keyless entry hackers.

Land Rover is also spearheading the movement with ultra-wide-band radio technology. In short, this is designed to confuse counterfeit fobs and prevent keyless entry thefts. Furthermore, BMW and Mercedes-Benz have taken a similar approach to Ford and installed motion sensors into their keyless fobs to deter thieves.

Keep your car secure by upgrading today

If upgrading to a newer model is on your radar, My Car Credit is here to help. Whether you’re in the market for a nearly-new luxury SUV or a second-hand estate car, our car finance experts can unlock you the best deals in the UK. We’re backed by leading motor finance broker Evolution Funding, meaning we have access to a huge variety of lenders.

It all starts with a quick online quote, with zero impact on your credit score. Once you have a better idea of where you stand, we’ll check your car finance eligibility then scour our lending panel for the best car finance deals in the UK.

Rates from 6.9% APR. Representative APR 13.9%

Evolution Funding Ltd T/A My Car Credit

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 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 £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

What Are the Best Small Automatic Cars?

Sat in a cafe researching the best small automatic cars

From excellent fuel efficiency to breezy parking and low maintenance costs, there’s plenty to love about small automatic cars. They’re the vehicles of choice for millions of Brits, with most manufacturers offering their own versions of this popular vehicle class.

Thinking of getting behind the wheel of a small automatic car? This article is for you. Read on as we investigate what are the best small automatic cars in the UK, focusing on factors like fuel economy, family-friendly features, eco credentials and more.

Vauxhall Corsa – Best for 2021

When it comes to sales, the Vauxhall Corsa has made quite the impression in 2021. The new look supermini was relaunched by the British-owned brand in 2020 and captivated motorists with its stylish aesthetic, up-to-the-minute tech, and zippy engine. Sales have skyrocketed in 2021, with the Corsa stepping up as a serious contender to the Ford Fiesta, which has been consistently crowned the best-selling car in the UK for the past few years. Want to go electric? Vauxhall has also launched a pure-electric version of the Corsa with an impressive range of 208 miles.

Nissan Leaf – Best electric small automatic car

A sporty profile, impressive driving range and affordable price tag make the Nissan Leaf our top pick in the best electric small automatic car category. The latest models are equipped with advanced Intelligent Driving technologies developed by Nissan, including the highly anticipated ProPILOT² semi-automated driving system and smart e-Pedal mode.

With EV charging infrastructure continually expanding across the UK, driving a Nissan Leaf is more practical than ever. The only downside is you’ll need a garage or secure parking spot to own a Nissan Leaf or similar, as EVs can be difficult to charge when you rely on street parking.

Toyota Yaris – Best hybrid

If you want to dip your toes into the EV scene but aren’t ready to make a full commitment, the Toyota Yaris is a great compromise. Fast and compact, this model is one of the smallest hybrids on the market and offers an impressive 68mpg running on battery alone. This makes it great for zipping around the city and keeping your eco footprint to an absolute minimum. When you need the reliability of fuel, simply fill up the tank and switch to petrol mode. A CVT gearbox ensures smooth gear transitions around town, though things can get a little noisy at higher speeds. This makes the Yaris a great option for urban driving as opposed to longer road trips.  

Audi A1 Sportback – Best for luxury

Sleek and stylish, the Audi A1 Sportback is one of the most luxurious superminis on the market. It promises all the bells and whistles you’d expect from the high-end manufacturer, including luxe interiors and lots of upgrades to choose from. It may be small, but the Audi A1 Sportback doesn’t compromise on space or comfort, making it ideal for both urban runs and long road trips.

Peugeot 208 – Best for fuel-efficiency

If saving money at the forecourt is your top priority, you’ll love the Peugeot 208. Marketed as a “city car with a sporty design” this model offers impressive fuel economy of around 44.3 – 56.7 mpg for the auto petrol version. With the RAC warning that British petrol prices are creeping towards all time highs, there’s no better time to upgrade to a fuel-efficient vehicle. When researching what are the best small automatic cars in the UK for fuel economy, the Peugeot 208 will definitely win a place at the top of your list.

Volkswagen Golf – Best family-friendly small automatic car

It’s difficult to outperform the Volkswagen Golf when it comes to family-friendly features. Brits have loved this model for around 50 years and for good reason. The hatchback is practical, spacious, and comfortable, meaning it can transition from school runs to weekend camping trips with ease.

The 380-litre boot offers lots of space for all your luggage, with the option of folding the rear seats down to create a huge 1270-litre boot. Great if you’re taking the dog to the vet or purchasing a new bike. As well as being packed with family-friendly features, the Volkswagen Golf offers great value for money. Once again, this wins it big points with budget-conscious families in search of a small automatic car.

Ford Fiesta – Best all-rounder

What are the best small automatic cars? The universally loved Ford Fiesta has been winning over Brits for decades. It’s reigned as one of the best-selling cars in the country for years, with motorists falling hard for the fun design, smooth handling, and plucky engine.

While we love Ford Fiestas from the 2010s, the latest models will blow you away with high-tech features and systems. Slide into small spaces with Active Park Assist, sit back and relax with Adaptive Cruise Control and enjoy a smoother and safer ride with Lane Keeping Aid. Once you experience these clever new features, you’ll never want to go back.  

Buy the best small automatic cars with ease

Thinking about purchasing a new car but not sure how your credit rating looks? We have you covered. Our car finance checker is built to help you check your suitability as a loan applicant, without leaving a permanent mark on your credit score. Known as a “soft search”, it gives us an overview of your financial history without exposing this information to lenders. This allows us to tailor your car finance options and connect you with the best lenders for your unique circumstances.

With rates starting from 6.9% APR, we make owning your dream small automatic car faster and more affordable than ever.

Rates from 6.9% APR. Representative APR 13.9%

Evolution Funding Ltd T/A My Car Credit

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 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 £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Types of Car Headlights and Their Impact on Safety

Car headlights at night

From illuminating dark roads and increasing visibility in low light to warning other drivers about an upcoming hazard. There’s no doubt that car headlights are fundamental to road safety. Most drivers know how to switch between dipped and full beam headlights. However many don’t know the full extent of their car’s capabilities.

A good understanding of what types of car headlights your vehicle has and how to use them is an important part of being a safe driver. Want to know more about how to navigate your way around the dashboard? Read on as we explore the different types of car headlights and their impact on safety.

Types of car headlights

Dipped headlights

The most commonly used types of car headlights, dipped beams are angled towards the ground and light up the road in front of you. Brighter than sidelights, they tend not to be as dazzling as full beam mode. Usually, dipped headlights are operated by a switch on the dashboard or twist function on the indicator rod. It’s also worth noting that many modern cars are equipped with the technology to activate dipped headlights without driver input.

UK Highway Code states that drivers must “use headlights when visibility is seriously reduced” and you’re unable to see more than 100 metres ahead. As well as the dark hours between sunset and sunrise, dipped headlights should also be used in gloomy weather that reduces visibility.

Full beam headlights

The brightest type of car headlight, full beams feature a higher angle that lights up more of the road. Depending on your car make and model, full beams can use either the same or a different set of bulbs to dipped headlights.

Be cautious when using your full beams, as UK Highway Code states you must not “use any lights in a way which would dazzle or cause discomfort to other road users. This includes pedestrians, cyclists and horse riders.” They’re generally switched on when driving on unlit stretches of road. Furthermore, they should be turned off when approaching other traffic.

Daytime running lights (DRLs)

Featured in most newer models, daytime running lights are activated with the engine and remain lit throughout your drive. They were standardised in the wake of studies suggesting that vehicles with permanent daylights increase safety and visibility on the road. You don’t need to do anything to activate DRLs, making them one of the easiest and most hassle-free safety enhancers out there. 

Fog lights

Designed to cut through haze and mist, fog lights can drastically increase safety in challenging driving conditions. They’re generally installed at the front and rear of the car, with colour coded switches (green for the front and amber for the back). In most cars you’ll turn on your fog lights by activating dipped mode, then twisting or pressing the fog light switch. The symbol is usually a half moon next to a vertical wavy line interspersed with three horizontal lines.

Hazard warning lights

Visible from all corners of your car, hazard warning lights activate all four indicators at the same time. As such, they are designed to alert other drivers of your stationary position. The amber lights blink in unison and warn other drivers that a hazard is ahead. Scenarios where you might activate this type of car headlight include breaking down on the side of the highway or stopping for a crash. Easy to find, the hazard lights switch is usually identifiable by the red triangle shape.

Indicators

All drivers should be familiar with the ins and outs of indicators. These blinking amber lights let other drivers know your intentions and prepare accordingly. As well as basic corners, don’t forget to indicate when you’re travelling through a roundabout, changing lanes, overtaking and merging.

Brake lights

Like indicators, brake lights are used to alert other drivers of your intentions. They’re activated when you apply the brakes and light up the red bulbs near your taillights. Brake lights should be working at all times, or you risk penalty notices, fines and even points on your licence. 

Sidelights/parking lights

Usually located in the front headlamp unit, sidelights are typically powered by 5W bulbs and are not as bright as your standard headlights. Instead of illuminating the road, these low-powered types of car headlights are designed to increase the visibility of your car. In the UK, sidelights should be switched on when parking your car on roads with speed limits of more than 30mph.

Different types of car headlight bulbs

Car headlight technology is continually advancing, with manufacturers championing energy efficient and eco-friendly bulbs. Today, most new models are powered by three types of bulbs. These are halogen, light emitting diodes (LED) and xenon/high intensity discharge (HID).

Halogen bulbs use a tungsten filament and a mix of gases, usually nitrogen and argon, to create light. While they’re popular, they’re not as bright or inefficient as other options.

LED bulbs, short for light emitting diodes, offer incredible energy efficiency and produce very little heat. They reach full illumination up to 250 times faster than halogen bulbs. For this reason, they are ideal for time-sensitive lights such as brakes and indicators. 

Xenon headlights are a popular choice for luxury cars, using metals and heat gases to create a bright blue or white glow. While the brightness and range of the light is impressive, xenon bulbs can dazzle other drivers and create glare.

Get intuitive with your car headlights

While best-selling models like the 1995 Ford Fiesta were state-of-the-art at the time, technology has advanced in leaps and bounds since then. New cars are designed to make the driving experience as intuitive as possible. For example, user-friendly dashboards and automatic sensor technology that activates many of the different types of car headlights for you.

Sliding behind the wheel of a nearly new 2020 model, you’ll be impressed by five-star safety features. For instance, flashing brake lights are now common, as is an auto high beam function that automatically dips your headlights when oncoming traffic is detected. Furthermore, ultra-efficient LED daytime running lights increase visibility 24/7. It’s not just Ford that’s setting new standards for headlight safety, with other manufacturers also championing smart headlight technology.

If you’re constantly having issues with your car’s headlights, why not upgrade your ride with the help of My Car Credit? Use our car loan APR estimator to find out just how affordable your next car could be.

Rates from 6.9% APR. Representative APR 13.9%

Evolution Funding Ltd T/A My Car Credit

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 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 £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Can You Modify a Car on HP Finance?

Man modifying a car that is on HP

Hire purchase finance (HP) is an excellent way of buying a car when you don’t have the money to pay for it upfront. Not only is the vehicle yours once the final payment has been made, unlike PCP, but you’re more likely to get car finance with a poor credit rating using HP.

But once you’ve got the car, what can you do with it? In this post, we’ll discuss whether you can modify a car on HP finance.

What is HP finance?

HP finance is essentially a deal where you borrow the money to pay for your car. As a result, you aren’t the owner until the deal is completed. Instead, it is the finance company who owns the car, which means they have a considerable say on whether you modify the vehicle.

Once the last payment is processed and your name is on the V5, you can do whatever you want (as long as the alteration is road legal).

Is there any way to modify a car on HP finance?

Yes – but you need to ask for permission first. If you don’t, you may void the terms of your agreement, and the finance company is entitled to ask you to pay the remaining balance in full. Alternatively, they may take the car back and sell it at auction. Should the car make less at auction that you owe to the finance company, you could then be liable for the balance.

By contacting the lender, either via telephone, email, or letter, you will eliminate any nasty surprises down the line. Make sure you get confirmation in writing. That way, you can prove you didn’t nullify the terms and conditions of the deal.

What are considered modifications?

Considered modifications on a HP finance deal can be anything that impacts the value of the car, whether positively or negatively.

Even the smallest modifications can have an impact on your finance agreement, so be careful not to make changes that haven’t been agreed with the lender.

Modifications could include, but are not limited to:

  • Cosmetic changes to appearance, e.g., body kits, spoilers, paint, wraps, window tints, lights, wheels, etc.
  • Upgrades in performance, e.g., suspension, exhaust, engine, brakes, gearbox, etc.
  • Addition of towing equipment, e.g., towbar
  • Infotainment systems, e.g., software, screens, speakers, stereos, etc.

So, don’t take the risk – speak to the lender. And of course, if it’s simply the case that you’re ready for a car with even more specifications, My Car Credit can help you with calculating and arranging car finance on your next wheels.

Rates from 6.9% APR. Representative APR 13.9%

Evolution Funding Ltd T/A My Car Credit

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 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 £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Car Emissions – How to Reduce Your Carbon Footprint

cars in a traffic jam giving off car emissions

From zippy Ford Fiestas to tough-as-nails Land Rovers, vehicle emissions are one of the biggest contributors to air pollution in the UK. The Royal College of Physicians estimates air pollution claims the lives of more than 40,000 Brits a year. This makes all the more essential to reduce emissions wherever possible.

So, what can you do to slash car emissions and minimise your carbon footprint? Read on for some easy ways to get from A to B as efficiently as possible.

1. Quit idling

You can’t always avoid idling in traffic. However, scenarios like collecting the kids from school or waiting for a partner to pick up a few supplies from the supermarket create unnecessary emissions. According to Westminster City Council in London, idling cars produce enough exhaust to fill 150 balloons every minute.

These car emissions are laced with gases like carbon dioxide and carbon monoxide. Not only do these contribute to air pollution and climate change but are also linked to respiratory issues like asthma and lung disease. Turning off your engine where possible is one of the easiest and most effective ways to reduce your emissions and tread a little lighter on the planet.

2. Carpool

Want to literally slash your emissions by 50%? Carpooling is a hugely effective way to reduce your carbon footprint and unlock fuel savings in the process. It works particularly well for commuters, school runs and multifamily holidays. Furthermore, you may discover other great scenarios where carpooling works a treat. The more passengers you add, the greater the savings!

3. Drive less

Simple lifestyle changes like walking to your local high street instead of driving can have a big impact on your carbon footprint. You’ll also be working towards the recommended 30 minutes of exercise per day. Consequently, this makes driving less a great way to improve your health and care for the planet. Even better, many insurers now offer reduced premiums for motorists who use their cars less.

4. Enjoy a smoother ride

When you’re behind the wheel, efficient driving is one of the best ways to minimise emissions and reduce your carbon footprint. Go easy on the accelerator, especially if you’re driving in the city. Obviously, it’s pointless to rapidly increase your speed only to be slowed down at a traffic light. You should also avoid erratic braking as this can heighten your fuel consumption and increase emissions. Essentially, you want to keep your driving as smooth and fluid as possible.  

5. Service your car regularly

From oil changes to tyre alignment checks, regularly servicing your car can help unlock better fuel mileage and reduce your environmental footprint. A well maintained vehicle will also save you money at the forecourt, making it a win-win situation for your wallet and Mother Nature.

6. Check your tyre pressure

Driving with the right tyre pressure can drastically improve your fuel economy and reduce emissions. Studies suggest under-inflated tyres can increase fuel consumption by as much as 5% due to higher rolling resistance and temperatures. This translates to higher emissions, as well as faster wear and decreased tread life. A quick Google search should pull up the correct tyre pressure for your vehicle make, model and year.

7. Replace worn tyres

Driving with worn out tyres not only reduces performance but significantly increases your emissions. A recent study from Emissions Analytics revealed just how damaging worn tyres can be. Senior researcher Richard Lofthouse warned, “It’s time to consider not just what comes out of a car’s exhaust pipe but particle pollution from tyre and brake wear. Our initial tests reveal that there can be a shocking amount of particle pollution from tyres – 1,000 times worse than emissions from a car’s exhaust.”

He adds that tighter rules are needed to monitor non-exhaust emissions (NEE), which are “totally unregulated” and pose a major threat to British air quality. The bottom line? Staying on top of your tread and replacing your tyres when necessary can have a big impact on your carbon footprint.

8. Skip the air conditioning

If you really want to bring down your carbon emissions, consider skipping the air conditioning and opting for a rolled down window instead. Turning on the AC places extra stress on the engine which can result in a 20% increase in fuel consumption. In fact, this makes it one of the most demanding auxiliary features of your car. The impact is especially noticeable at low speeds, so try to keep your use as low as possible during city drives.

9. Embrace cruise control

Cruise control is a great way to maintain a steady speed on longer drivers. Unnecessarily slowing down and speeding up can burn through fuel and ramp up your emissions. The upside is that this makes cruise control a great way to reduce your fuel consumption and minimise your environmental footprint.

10. Clean out your car

Maybe it’s a few bags of charity store donations in the back seat or a boot full of beach gear you’ve been meaning to unload since last weekend. Whatever the case, removing excess luggage from your car is a guaranteed way to reduce your carbon footprint. Vehicle weight has a direct impact on fuel efficiency, with a recent Canadian study suggesting reducing weight by 10kg translates to savings of $104 over 200,000km – that’s around £75.

11. Choose the right car for your needs

Reviewing the suitability of your vehicle can have big implications for your carbon footprint. For example, if you own a 4WD but mostly use it for school runs and supermarket trips, it could be worth switching to a smaller and more fuel efficient vehicle. Alternatively, you might prefer to purchase a second vehicle for city use and save the 4WD for longer trips. Every motorist is unique, so take the time to analyse your situation and make an informed decision.   

12. Upgrade your vehicle

New vehicles are more fuel efficient than ever, with models like the 1.5-litre four-cylinder diesel engine Peugeot 208 offering an impressive fuel economy rating of 73.6mpg. When running on petrol, the Peugeot 108 boasts a 58.9mpg rating, making it one of the best-performing cars on the market. If you drive an older vehicle, upgrading to a newer model could have an incredible impact on your emissions and carbon footprint.

Best of all, it’s easier than you think. My Car Credit is helping Brits across the country unlock the best car finance rates from top lenders, including car finance with poor credit.

Rates from 6.9% APR. Representative APR 13.9%

Evolution Funding Ltd T/A My Car Credit

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 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 £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

6 Driving Tips to Save on Petrol

Man driving his car wondering how to save petrol

In May 2021, the RAC Foundation predicted that June would see fuel prices rise for the seventh consecutive month. With this in mind, saving money at the forecourt remains a top priority for British motorists. Tracking down the cheapest fuel prices in your local area is one way to save on petrol. But did you know there are also some easy tips and tricks you can utilise to minimise your fuel consumption? Here’s how.

1. Stop idling

Do you tend to keep the motor running while you’re waiting for the kids to come out of the school gate? Maybe you don’t bother to switch off the engine while your partner pops into the shop for milk?

Whilst this can seem harmless, idling can waste up to two litres of fuel per hour. What’s more, idling can release more than 5kg of CO2 into the atmosphere. Saying no to idling can also save lives, with the Royal College of Physicians warning air pollution claims around 40,000 British lives every year, with idling a key contributor.

“Whether it is outside schools, picking up relatives from stations, or in a car park, we can all do our bit by switching off our engines and reducing our emissions,” says RAC roads policy spokesman Nicholas Lyes.

2. Inflate your tyres

The firmness of your tyres can have an enormous impact on your fuel consumption. For example, Michelin warn that British motorists waste a huge £246 million a year driving on underinflated tyres. Not only does this result in your engine guzzling fuel, but it also increases your emissions.

Be sure to check your tyre pressure regularly and head straight to the forecourt if something looks off. Wheel alignment can also play a role in increasing fuel consumption. This can have the effect of compromising the smoothness of the ride, and forcing the engine to work overtime.

3. Don’t overaccelerate

While it’s tempting to speed up when taking off from a traffic light or give the speedometer a workout on the motorway, overaccelerating is one of the fastest ways to burn fuel. Smoother accelerations will keep your petrol consumption down. What’s more, your passengers will have a far more comfortable ride.

4. Carrying unnecessary weight

Do you wait a week before unpacking your car from a camping trip? Maybe you have a bad habit of carting around your golf clubs. Perhaps you continually forget to drop off that bag of books at the charity shop. Whatever your vice, extra weight translates to increased fuel consumption. Your engine has to work harder to move extra weight. As such, if your car is packed with unnecessary items it could be time for a cleanout.

5. Roof racks in the city

While roof racks can be incredibly useful on road trips, they do compromise the aerodynamism of your car. The extra bulk increases drag and forces the engine to work harder and burn more fuel. Furthermore, even empty roof racks can result in a 15% increase in fuel consumption. If your roof racks are easy enough to remove while not in use it could be worth putting them in storage.

Roof boxes are also something to watch, with data suggesting even when empty they can increase fuel consumption by up to 25%. Again, they’re great when you’re travelling long distances and need extra storage space. Conversely, for everyday journeys, they’re obsolete and should be removed if possible.

6. Upgrade to an eco-friendly vehicle

Cutting down on idling, checking your tyre pressure, avoiding over acceleration, clearing out your car and taking off your roof racks can all help to save petrol. But nothing compares to the benefits of a fuel-efficient car. For example, the Peugeot 208 is one of the most efficient internal combustion powered vehicles available in the UK, offering impressive fuel economy of 73.6mpg.

Of course, EVs are the ultimate petrol saving solution. With an electric engine you’ll eliminate the need to fill up at the forecourt entirely. Instead, models like the Nissan Leaf and Tesla Model 3 plug into power outlets and take you from A to B with zero fossil fuels.

Make the switch a little easier

Thinking of upgrading to a more fuel-efficient car? At My Car Credit we’re experts in all things finance. Whether you’re looking to purchase a brand-new luxury SUV or a second-hand hybrid hatchback, we offer tailored car finance solutions, from those with a flawless credit history to car finance with poor credit.

Rates from 6.9% APR. Representative APR 13.9%

Evolution Funding Ltd T/A My Car Credit

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 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 £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Petrol and Diesel Ban – What It Means for Car Buying

Petrol station in mist following the 2030 petrol and diesel ban

The sale of new petrol and diesel cars in the UK will end by 2030. A lot has happened in the last 12 months, so this might have escaped you when it was first released. However, it’s essential for motorists to understand what they can and can’t purchase before they enter negotiations. 

The last thing you want is to waste money on a vehicle that is basically prohibited. Therefore, it’s imperative to look into what the petrol and diesel ban means and how it might affect you in the future. 

The petrol and diesel ban – what is it? 

The petrol and diesel ban is pretty much what it says on the tin. The government is attempting to lower carbon emissions and cut the UK’s CO2 footprint by acting against non-electric vehicles. EVs are notoriously eco-friendly since they don’t use fossil fuels to create energy. Instead, they run off a battery that’s powered by electricity. 

Originally, the ban was scheduled for 2035. However, the government has seen fit to bring it forward five years. That means you won’t be able to buy a new car that runs off diesel or petrol in the UK from 2030. 

What about old cars? 

You can still drive petrol and diesel vehicles after this date. The ban only applies to cars that are being manufactured. This means that the latest makes and models won’t be available in these traditional specs. Of course, if the smell of petrol wakes you up in the morning, you can always opt for a second-hand or used motor. 

Additionally, hybrid vehicles aren’t currently included in the ban. As a result, you will be able to purchase a hybrid car with a diesel or petrol engine and switch between modes. 

What impact will the ban have on UK motorists? 

There are a number of expected knock-on effects of the petrol and diesel ban. The first is an increase in the purchase of EVs. With new petrol and diesel cars out of bounds, the only way to get your hands on a brand spanking new vehicle is to go electric.  

Secondly, this should mean the production of EVs ramps up a notch. That should also see the costs involved in buying and leasing electric cars plummet dramatically. This is because the technology will be more accessible, making EVs cheaper to manufacture. From a buying perspective, you should notice a significant drop in the fees associated with owning or renting an EV. 

Let My Car Credit help you  

When it comes to spreading the cost of a new car, customers always have one question at the back of their minds – how much does car finance cost? While there isn’t a one-size-fits-all rate, if EVs are less expensive to run and operate, they’ll be cheaper to buy too.  

At My Car Credit, we’re committed to finding a great deal for customers based on their specific circumstances. Maybe you’ve got a great credit history and want to stick with petrol or you’re ready to make the switch but worried about your credit score. Whichever, simply get in touch with our team and we’ll guide you through the car finance process.  

Rates from 6.9% APR. Representative APR 13.9%

Evolution Funding Ltd T/A My Car Credit

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 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 £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

Premium Petrol – Is It Worth It?

Friends on a road trip using premium petrol for better mileage

For the average motorist, saving money any way you can is worthwhile. Avoiding premium petrol is just one way to lower the running costs involved with driving. But if you’ve read into it, you may be confused about whether premium petrol is a necessity or not.

Is it worth the extra investment, or should you stick with the regular petrol found on most UK forecourts? 

What is premium petrol? 

The science behind premium fuel can get complicated, so let’s stick with a watered-down version. Typically, petrol has a basic rating, which is 95 octane in Britain. The octane in premium petrol is higher – it’s between 97 to 98. Theoretically, a greater octane should make your car run better as the engine’s compression rate is higher. 

Why theoretically? A higher octane is only effective if a vehicle’s engine is tuned to process it correctly. In the UK, most cars are setup to deal with standard petrol. That means using premium fuel in a car that doesn’t need it will likely result in no significant improvement in performance. 

To make the most of premium petrol, you need to purchase a car that specifically requires 98 octane fuel. However, they are often more expensive and will cost you a lot more to purchase. 

Premium petrol: the verdict 

Is premium fuel worth it? The answer is yes if your car specifically needs it to run as it will prevent the engine from breaking down. But if it doesn’t, it will only cost you more in the long run. 

It’s up to you whether you prioritise better performance with a high-end car and premium petrol, or just affordability with a normal car and standard petrol. Whatever the case, a car finance eligibility check will help you figure out how to spread the cost and make both options more affordable. 

Rates from 6.9% APR. Representative APR 13.9%

Evolution Funding Ltd T/A My Car Credit

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 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 £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!

4 New Car Security Devices to Protect Your Vehicle

Friends out shopping happy knowing their cars are safe

If only driving was as simple as getting behind the wheel and hitting the open road! Sadly, there is a dark side to motoring, which means it’s your responsibility to keep your vehicle as secure as possible. If you don’t, you might end up with a steep bill for repairs, while your insurance premiums will almost certainly skyrocket.

Don’t worry. It isn’t all doom and gloom. The car security industry is always advancing, making it easier than ever to secure your motor. Not sure where to start? Take a look at our top four picks from this year’s car security devices.

1.   DroneMobile X1 LTE

Overall, car security devices don’t come much better than the DroneMobile X1 LTE. While the name is a mouthful, it’s well worth getting familiar with this alarm system because it’s brilliant at multitasking.

For starters, it does more than sound an alarm when a thief attempts to jack your vehicle. Instead, it tracks the car via cellular signals, meaning you’ll always have its location as long as you have signal.

There’s a specialised app, too, so every notification lands on your phone in seconds and keeps you up to date. It requires installing professionally, but that’s a small price to pay for the extensive peace of mind it provides.

2.   Avital 5305L

The Avital 5305L is equipped with all the bells and whistles you need from a car security device. Firstly, the alarm itself reaches a max of 120-decibels, which is enough to scare away even the most determined criminal. If they are persistent and the noise and lights don’t warn them off, the panic mode button will notify the authorities right away. And, if someone other than you manages to get the vehicle started without your permission, there’s a kill switch that stops carjackers dead in their tracks.

3.   Stoplock Pro Elite Steering Wheel Lock

Yes, steering wheel locks are still useful tools in 2021. The fact they are much cheaper than a full-fledged alarm system makes them a smart car security device for the average motorist.

According to Auto Express, the Stoplock Pro Elite is at the top of the list. The deep curve in the shaft means it can be fitted to large wheels, while the groove makes it harder for thieves to remove it. In fact, someone would have to pretty much remove the steering wheel to release the double hooks, which is very counterproductive!

4.   MONOJOY Signal Blocker

A modern way to gain entry to a vehicle is to boost the signal of the car’s keys, tricking the sensor into opening the doors. Thankfully, a signal blocker like MONOJOY is an affordable and straightforward way to prevent the signal from venturing further than the pouch since it blocks entirely. As long as your keys are inside it, only you can open your car.

Invaluable car security

Car security devices are invaluable, providing peace of mind that your car is safe. But what about financial security when you’re buying your next car? That’s where My Car Credit comes in.

Using our large network of trusted lenders, we make it easy to check your car finance eligibility, apply for a loan and get a great deal, whatever your credit history. With affordable monthly repayments, you can be secure in the knowledge that your new car won’t break the bank.

Rates from 6.9% APR. Representative APR 13.9%

Evolution Funding Ltd T/A My Car Credit

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 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 £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!