• CCJs, IVAs, defaults, arrears
  • All circumstances considered
  • Soft search, no credit footprint
  • Buy from any reputable dealers
  • Representative APR 18.3%

Car Finance Calculator

1. My credit score is
Typical rate 6.9% APR*
Total Cost of Credit: -
Total Payable: -
*for illustration purposes only
3. To repay over
Monthly repayments
-
Typical rate 6.9% APR*
Total Cost of Credit: -
Total Payable: -
*for illustration purposes only

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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.

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?

HassleFreePerson copy

A quick & hassle-free process

We’ve built up a reputation for having a fast and stress-free approach to bad credit car finance.

OneCircle

GET APPROVED

Arrange your car finance before you’ve even found your car.

TwoCircle

FIND A CAR

Choose the car you want, new or used, from any car dealer.

ThreeCircle

SIGN & COLLECT

We’ll transfer funds to your car dealer the next working day.

A quick & hassle-free process

We’ve built up a reputation for having a fast and stress-free approach to bad credit car finance.

OneCircle

GET APPROVED

Arrange your car finance before you’ve even found your car.

TwoCircle

FIND A CAR

Choose the car you want, new or used, from any car dealer.

ThreeCircle

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.

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.

Ready to get the ball rolling?

Need advice or information?