How My Car Credit Works
A simple online process, with a rate that's tailored to you.
How My Car Credit Works
A simple online process, with a rate that's tailored to you.
How My Car Credit Works
A simple online process, with a rate that's tailored to you.
Want to apply for car finance and wondering how car finance works? My Car Credit takes you through the simple process of applying for car finance online.
Our car finance application process is one of the simplest around. What’s more, our customers tell us we make the car buying journey easy and stress-free.
Crucially, rather than reeling you in with an attractive but inaccurate rate, we give you a real decision based on your personal circumstances and credit profile.
We also don’t mind if you secure your finance first or find a car and then apply. However, if you are still looking, we have a network of trusted dealers to choose from.
With your initial application being soft search only, you’ve got nothing to lose – apply today and get a fast, online decision on car finance.*
* Should you progress, some lenders may perform a hard search on your credit file.
Rates from 9.9% APR. Representative APR 12.4%.
1.
Complete an application, get a real rate, without impacting your credit score.
Our simple online form takes just minutes to complete, and we’ll give you an instant, online decision in principle. Where we give you a rate, this is an exact rate of finance based on the information you’ve provided.
We only do an initial soft search so you don’t need to worry about your credit file whilst you weigh up your options. Just bear in mind that should you progress, some lenders may perform a hard search on your credit file.
2.
Catch up with your personal Car Credit Specialist.
You’ll be assigned a Car Credit Specialist, who will get in contact to answer any questions, and will be on hand every step of the way. Our advisers are friendly and experienced and we get tons of fantastic feedback from customers about them!
3.
Choose a car from any reputable dealer.
This is the exciting bit! Now you know how much you can borrow, you’re ready to go car shopping. Your Car Credit Specialist can guide you through finding the perfect car from one of our trusted dealers, or give us details of the car you’ve found and we’ll check that your dealer is top notch.
4.
Say hello to your new car!
We do all the legwork with the lender and the dealer, without it costing you a penny. Once you’ve signed your documents from the comfort of your home, in most instances the funds are transferred the next working day and you’re good to collect your car!
Require more help?
Can’t find the information you’re looking for? Need some support or guidance? Get in contact – our friendly and experienced Car credit Specialists are here to help!