We pride ourselves on our unique ability to give you an instant decision when you apply for car finance with My Car Credit.

Wondering how we can do that?

My Car Credit like to make finding your car loan quick, simple and easy. We provide all of our customers with an instant online decision and will assess our panel of over 32 lenders to get you a competitive car finance rate.


As our decision service is conducted online, we can give instant decisions to you on car finance 247.  We have helped customers to buy cars on finance for over thirteen years and can offer car finance on hire purchase, PCP or personal loan.


Our ultimate goal is to get the best car loan for you and your circumstances. Our unique underwriting policy places you, the customer, first. This ensures you get the best possible car loan rate from our lending panel.

Step 1

Submit your application for an instant decision

You can start by using our quick and simple Car Finance Calculator to calculate your rate and monthly payments. It then takes around 2 minutes to submit your application for a car loan. We’ll give you an instant, online decision as well as a confirmation SMS text and email.

Step 2A

Your loan is accepted in principle

We will offer you the lowest rate available through our panel of over 32 banking and car finance lenders. Your loan is subject to your vehicle meeting the lender’s criteria and final assessment of your credit profile.


Step 2B

Your loan is referred to our underwriters

Our unique system is geared towards ‘common sense’ manual loan decisions. Our specialist underwriters will contact you to discuss your options and find you the best possible rate for your financial requirements.

Step 3

Buy any car

Get ready to say hello to your new car! With your loan all approved, you can now crack on with the exciting part of buying your car. You may already know what car you want or you can select a car from our vast selection of recommended dealerships.

Step 4

Collect your car

Once all documentation has been received and checked by the lender, the funds are transferred to your car dealer the next working day and you can then collect your car. There’s nothing like the feeling of driving away in your new car!

Want an instant decision on car finance?