You’ve got your eye on a new set of wheels and the excitement is real. But just how quickly can you buy a car and turn that dream into reality? Sooner than you might think! Read on for the scoop on how to secure the keys to a new vehicle in record time.

The need for speed: buy a car in a flash

We get it – buying a new car is exciting and waiting weeks to secure finance isn’t ideal. After all, instant gratification is the name of the game these days. This is where a car finance broker can help. As experts in the field, they step in to turbocharge the car-buying process and get your application approved in a flash.

The thrill of same-day car finance

So, exactly how quickly can you buy a car? With the help of an experienced broker, you can secure the keys the same day. Even better, the process is surprisingly simple. Let’s take a closer look at what to expect:

  1. Complete a quick and easy online application to receive an accurate finance rate without affecting your credit score. Forms take just minutes to fill out and rates are based on the unique information you provide. Make sure you choose a broker that starts the process with a soft search, which has no impact on your credit file. Keep in mind that if you proceed further than this step, some lenders may run a hard search to verify your information, which will leave a mark on your file.
  2. After your initial application is complete, it’s time to chat about the specifics of your loan. You’ll need to decide what type of agreement you want to take out. For example, Hire Purchase (HP), Personal Contract Purchase (PCP) or Personal Contract Hire (PCH). It’s worth seeking help from an expert at this stage as navigating the world of car finance can be confusing for some motorists.
  3. Next, choose your dream car from a reputable dealer. This is the fun part! Whether you’re eyeing up a brand-new Nissan Qashqai or looking to snag savings on a used Volkswagen Polo, your options are wide open with car finance.
  4. When you’ve chosen a vehicle the broker steps in and take care of the paperwork. After you’ve signed the necessary documents, funds are usually transferred the next working day and you’re ready to hit the road in your new ride!

Preparation is key: how to speed up the process

While same-day car finance is certainly achievable, preparation is key. To expedite the process and ensure the fastest possible outcome, it’s crucial to have all your paperwork and documents in order. From proof of identity to income verification, having everything ready to go can make all the difference when it comes to speeding up the car-buying journey.

Hit the accelerator with My Car Credit

At My Car Credit, we appreciate how keen our customers are to get behind the wheel. That’s why our team of experts is here to provide guidance and support every step of the way. Whether you have questions about the application process or need assistance with paperwork, we’re here to make your car-buying experience smooth, stress-free and above all, speedy.

Success stories from happy customers

Don’t just take our word for it – hear all about how quickly can you buy a car from satisfied My Car Credit customers themselves:

“So happy I found the perfect finance deal to go with a perfect car. Initial enquiries made at 11am, finance sorted and car collected by 3pm. Very impressed and would definitely recommend.” – Lee Buxton.

“Cannot recommend highly enough. Contacted them on the Sunday afternoon, deal complete inside 48 hours with an APR of 5% less than quoted. Picking up the car on Friday. Can’t say better than that!” – Dave Sargent.

With personalised support and flexible finance options, you can turn your automotive dreams into reality in record time. How quickly can you buy a car? Potentially even the same day! So, why wait? Use our car finance calculator to begin your car buying journey today!

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

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 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.

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!