My Car Credit is a credit broker and not a lender. Some of our 32 lender partners are shown below:
I have bad credit; will I be able to get car finance?
Don’t despair! At My Car Credit, we understand that there can be lots of reasons for a poor credit profile. We combine a wide panel of 32 lenders with a sensible approach to selecting the best car finance lender. This means that we may be able to approve you for car finance where others haven’t been able to.
Your past credit history could be the result of CCJs, mortgage defaults, IVAs or bills that have been paid late. It could be that you’re self-employed, with no proof of income, or that you simply haven’t built up a credit history yet.
Whatever the reason, we look at every case individually, without judgement and with the aim of finding you the best rate and most suitable car loan for your circumstances.
Need advice or information?
A quick & hassle-free process
We’ve built up a reputation for having a fast and stress-free approach to bad credit car finance.
Arrange your car finance before you’ve even found your car.
FIND A CAR
Choose the car you want, new or used, from any car dealer.
SIGN & COLLECT
We’ll transfer funds to your car dealer the next working day.
Approachable car credit specialists
When you apply for car finance with My Car Credit, you will be looked after by your own car credit specialist. They are experienced in handling bad credit car finance and will hold your hand throughout the process, ensuring your experience is hassle-free. They can also provide advice and guidance on how to improve and repair your credit profile.
You can also get a FREE credit report from Credit Angels.
Our team are known for their approachability and professionalism – they have helped lots of poor credit customers secure car finance to buy the car of their dreams and you can read some of our customer feedback below.
Helpful and informative
“James helped get me sorted, from not knowing what car I wanted right through to getting accepted he was really helpful and informative. Good company to go with if your credit isn’t the best!”
My advisor was perfect, 5 Stars
“I have a less than perfect credit history. Kayleigh Debono, my adviser, was awesome. She made the procedure easy and kept me informed every step of the way. All done in 1 or 2 days if you have your IDs to hand… perfect 5*****.”
Made my life so much easier
“After pretty much giving up hope on getting finance for a car, a friend suggested My Car Credit. After speaking to the fantastic Kirsty, she made the whole process hassle-free, easy to understand and was super-helpful. Within days I was sat in the dealership and collecting the keys to our wonderful new motor! I can’t recommend them highly enough – they’ve made my life so much easier.”
Customer service was unbelievable
“Customer service was unbelievable, salesperson was very professional and even though can get no credit anywhere this was a one touch, finally got my dream car. Transaction is so quick after being approved. One of the best car credit companies. Recommend to anyone even with very, very bad credit history, be assured you’ve got a car.”