How Does Part Exchange Work On a Car?

Driving away after checking how does part exchange work on a car

Nowadays, there are several ways to swap your current motor for something more suitable. Part exchanging your car is one of the most popular methods because it’s quick, easy and accessible to almost every motorist. All you need to do is find a dealership and start haggling over the price.

However, it’s not as straightforward as picking a brand-new vehicle and driving away in it that very day. Before you are ready to sign on the dotted line, you need to understand the basics of the strategy. How does part exchange work on a car? Keep reading to find out more.

How does part exchange work on a car?

In its simplest form, the part-exchange process is hassle-free. The trick is to find a replacement motor that you want as an upgrade to your current vehicle. However, instead of selling your old car privately or sending it to the scrapyard, you can have it valued by the dealer. The quote you get is then subtracted from the price of the car you want to buy, making it cheaper and more affordable.

When it works well, part exchange is a suitable option for all parties. After all, you get a fantastic deal on a vehicle, and the dealer can add an item to their inventory that they can mark up in the future. Of course, they also get the car you buy off their hands. Everyone’s a winner!

What should you look out for?

The value of your vehicle

It sounds obvious, but it’s essential not to forget the value of your car. Some owners accept the first offer they receive without negotiating over the price. Even if you think the figure is high, you should shop around because there might be better offers on the table. However, you can’t do this without obtaining a ballpark number first, something you can do with an online valuation tool.

Once you know what quotes you should expect, you can ensure you don’t sell yourself or your car short during the part exchange process. A smart way to do this is to research how much like-for-like models sell for privately and at dealerships.

The aesthetics

The way your car looks will dictate how much people are willing to pay, which affects your bottom line. So, if there are scratches and scrapes, you should consider repairing them beforehand. Doing it yourself is a savvy option as hiring a professional will cost a fee. As far as the interior goes, a DIY valet will only cost you time.

Apart from the visual aesthetics, don’t forget to bring the relevant paperwork. Without the vehicle’s history, buyers will be less likely to make an offer as they won’t know if they can trust what they are purchasing.

Affordability

Just because a dealer will reduce the upfront price doesn’t mean your dream car will be affordable. We’ve answered the question of how part exchange works on a car but you still might not have the cash to pay for the car outright, leaving you in a pickle. Thankfully, you can get a car finance quote from My Car Credit and figure out how much you can pay in monthly instalments.

Typically, car finance options make vehicles much more affordable, giving you the ability to level up your lifestyle and finally drive around in style and comfort. To learn more about finance and how our services can help you, please don’t hesitate to contact us to speak with an advisor.

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • 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
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Good

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Bad

  • 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
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£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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!

Can You Get A Warranty on a Used Car?

Mechanic fixing car under warranty

With millions of used cars on the roads, it’s easy to see why more motorists are going down the second-hand route. They are cheaper, reliable and easy to fix when things do go wrong.

But there’s a perception that you can’t get a warranty on a used vehicle, and this often prevents buyers from considering an option that will save them a fortune. In this post, we’ll provide some clarity when it comes to used car warranties.

The basics of used car warranties

The simple answer is – yes, you can get a warranty on a used car. To begin with, the Consumer Rights Act 2015 has covered second-hand vehicles for the past six years, which means that you get a rudimentary level of cover if the issue falls under the CRA.

But what if you want something more substantial? In that case, there are third-party deals that will pick up the tab should something go wrong that isn’t your fault. Not everything is covered – wear and tear, for instance, is notoriously left out of insurance policies – but it’s safer than signing on the dotted line and hoping for the best.

Finally, there are manufacturer guarantees that you can often get included within a deal. The trick is to negotiate for the things you want by removing the features you don’t need. With an extended manufacturer warranty, you’ll be less likely to pay expenses upfront and more likely to be covered in the worst-case scenario.

Do you need a car warranty?

With protection from the Consumer Rights Act, some people are happy to take their chances. Your decision will depend on which features you believe are the most important. After all, it’s pointless paying extra for a used car guarantee if you can’t afford a vehicle in the first place.

The good news is, you can calculate your car loan in advance to ensure that your budget is in order. Then, you can worry about whether a warranty is suitable. For more on car finance deals, My Car Credit has all the information you need. Contact a member of our staff today to learn how we can help you.

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • 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

Good

  • 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

Fair

  • 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

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
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Bad

  • 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
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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!

When is the Best Time to Buy a Car?

Car outside dealership after considering when is the best time to buy a car

Securing a good deal on a new or used car is one of the most important things for any driver. Sadly, it’s not as simple as picking a vehicle that’s within your budget and driving it off the forecourt. Unbeknownst to many drivers, different issues impact the suitability of a car.

The time of year is a prime example. If you keep your eyes on the calendar, the reality is that you will have a bigger chance of bagging a bargain. With that in mind, below you’ll find some useful tips that finally answer the question – when is the best time to buy a car?

Remember the seasons

It’s hard to see why the seasons should affect the price of a car on the surface. But, when you delve deeper, you’ll spot a couple of blindingly obvious issues. For instance, convertibles are much more pleasurable to drive in the summer. As a result, the demand for convertibles is high in the warmer months, which can add onto the asking price. Conversely, summer is a good time to shop for a 4×4 since demand is low compared to the wintertime.

Factor in the launch of number plates

Number plates have the same effect on car sales as the weather. When the latest registrations are released, people flock to get hold of cars that represent the fact they own a new plate vehicle. As a result, the demand at the time is incredibly high, meaning that there isn’t much room for haggling.

The trick is to stay away from dealerships on these busy dates, which are usually March 1st and December 1st. Instead, you should go much later in the month, or the year if you have the room to manoeuvre, to avoid paying higher rates.

Understand your budget

Your budget will change monthly. This is because you will have regular incomings and outgoings that affect your ability to pay for a vehicle outright. Yes, you can save up, but it takes the average person years to accumulate enough to walk into a dealership and drive away with a brand spanking new motor.

You may now have answered when is the best time to buy a car but how will you pay for it? You may have the option to purchase a car through a financing service that breaks your expenses down into bite-size chunks. By paying monthly, you should have plenty in your account to cover the transactions. And, it doesn’t matter if your credit is low as car finance poor credit deals are available. Once you understand your budget correctly, you can find ways to get what you want without having to wait a lifetime.

At My Car Credit, we are specialists in finding top-of-the-range financing solutions that are tailored to your specific requirements. With us, you don’t have to bother about the time of year as we scour the industry to locate the best quotes. Call us today to learn how we can guide you through the process!

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • 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

Good

  • 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

Fair

  • 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

Poor

  • 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

Bad

  • 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
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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!

What Car is Best for Me?

Family car with lanscape

Shopping for a new car is exciting. But without a well-thought-out strategy it can also feel overwhelming. With so many manufacturers and models to choose from, it’s easy to get lost in the process and end up with a vehicle that’s not perfectly suited to your unique needs.

The good news is, we’re here to help. We’ve put together a guide to some of the most important factors to consider when shopping for a new car. As well as budget, we cover big variables like size, environmental footprint, safety and fuel efficiency.

Budget

Budget will be one of the biggest factors you consider when browsing new cars. Ultimately, this will determine what make and model you can afford, as well as variables such as mileage, servicing history and overall condition. It’s important to crunch the numbers before you commit to a purchase, factoring in extras like insurance, servicing, petrol expenses and any upgrades you may want to make. We make it easy with our car loan affordability calculator. This simple tool is designed to give you a good estimate of what you can get for your budget.

While some motorists have the funds to purchase a new car outright, most take advantage of finance. Designed to boost purchasing power, car finance allows you to spread out the cost of purchasing a new vehicle by establishing monthly payments that align with your budget. Brits are no strangers to car finance, with the latest data from the Finance and Leasing Association (FLA) revealing a huge 92.8% of private new car sales were financed between February 2020 and February 2021.

Size and environmental footprint

There are certainly benefits to owning a larger car, however Steve Gooding from the RAC Foundation encourages motorists to consider their needs carefully before investing in an SUV. “We should all choose the right vehicle for the right trip to cut the size of our carbon footprint,” says Gooding. “It is right to question if suburban drivers need a car capable of ploughing over rivers, across fields and up steep hills just to pop to the shops.” With research confirming most SUVs are purchased by urban drivers, Gooding’s comments highlight the importance of considering not only budget when purchasing a new car, but also your environmental footprint.

“It turns out that the home of the ‘Chelsea tractor’ really is Chelsea. One of advertising’s biggest manipulations has persuaded urban families that it’s perfectly ‘normal’ to go shopping in a two-tonne truck,” adds Andrew Simms, co-founder of British think-tank organisation, New Weather Institute.

As well as environmental concerns, size can also impact your driving experience. For example, if you live in Central London and parking is a headache, smaller cars can be a clever choice. Similarly, if you live in the country and you’re regularly dealing with muddy lanes and icy roads, cars with a little more grunt are a safer choice.

Safety

While all cars must comply with national safety regulations, credentials can vary significantly between models. Many drivers choose to invest in cars that not only meet but exceed safety standards. This can be for a variety of reasons, though families with young children are one of the biggest demographics.

The Euro NCAP (European New Car Assessment Program) is a great resource that offers in-depth information on the crash-test credentials of new cars. A star rating is used to evaluate the overall safety of models, as well as assess separate credentials such as child protection, adult protection, safety assist systems and more. Depending on your personal preferences you can use the Euro NCAP to select a car that fits your needs. The testing is rigorous and only a handful of models have been awarded a five-star safety rating by the Euro NCAP in 2021. These include the Polestar 2, Volkswagen ID4, Skoda Enyaq and Cupra Formentor.

Investing in electric

Electric cars are the vehicles of the future, with the RAC estimating there are currently around 150,000 zero-emission Battery Electric Vehicles on British roads. More than 100,000 of these were registered in 2020, suggesting uptake is on the rise. Plug-in Hybrid and Range-Extended Electric Vehicles are also popular, with around 185,000 currently registered in the UK.

For eco-conscious motorists, investing in EVs can be a powerful way to reduce your carbon footprint. There’s plenty to choose from in 2021, with manufacturers continually launching game-changing new models.

Compact and affordable, the Volkswagen ID.3 is packed with tech-savvy features like intelligent interior lighting and voice activated controls. The Volvo XC40 Recharge boasts acceleration performance of zero to 62mph in 4.9 seconds, while the long-awaited Tesla Model 3 is a great entry-level option for fans of the American-owned EV pioneer. When choosing an electric car our key advice is to do your research, read reviews and pick a model that fits your unique needs.

Fuel efficiency

The fuel efficiency of a vehicle can have a big impact on your overall running costs. For this reason, it’s not always advisable to choose a car based exclusively on price. In many cases, spending a little more upfront will unlock big savings at the petrol station. Similarly, cheaper and older models can do an alarmingly good job of guzzling petrol.

While EVs are the ultimate fuel savers, there are many models that offer great on-road efficiency. Smaller is usually better, with models like the Toyota Prius, Ford Fiesta and Skoda Octavia offering great mileage. Fuel efficiency can also vary significantly in larger vehicles such as SUVs. If this is a priority for you it’s always best to research different models before making a purchase.

Buying the best car for you

Ready to get behind the wheel of your new car? We’re here to help. At My Car Credit we specialise in offering great deals on car finance, at rates tailored to fit your individual needs. We work with lenders across the UK and are backed by Evolution Funding, one of the largest and most trusted car finance brokers in the country. Whether your priorities are budget, safety, size, fuel efficiency or environmental impact, we can help get you into the driver’s seat of your dream car.  

 

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • 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

Good

  • 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

Fair

  • 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

Poor

  • 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

Bad

  • 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
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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!

How Much Mileage Is Good for a Used Car?

UK motorway adding large mileage to a used car

It’s one of the most commonly asked questions whenever someone is searching for a second-hand set of wheels. As an important indicator of how intensively a car has been used – and how much longer it’s likely to last before significant maintenance work must be undertaken – used car mileage is a key consideration for any buyer.

However, it shouldn’t be the be-all and end-all when it comes to deciding whether or not to splash out on a used car. The age of the car, its service history and its current condition are all equally as indicative of a car’s likely longevity. With that in mind,  weighing up all those factors is crucial to arriving at a balanced decision.

Age: just a number?

While most buyers will regard mileage as the chief concern when it comes to weighing up a car’s merits, its age can actually be just as influential on how much it could cost you further down the line. That’s because manufacturers are now offering longer warranties with their vehicles. This means that a younger car has a good chance of remaining eligible, while an older one could be discounted on those grounds before any other issues are taken into account.

For example, Kia has set the standard for others to follow when it comes to extended warranties, offering seven years on all of its models. Hyundai, Toyota, Mitsubishi and Subaru are not far behind, with five years of warranty provided for most of their vehicles. What’s more, Renault offer four years for the majority of their models. Remember, of course, that there is often a mileage ceiling for warranties as well – but that age is generally the first factor which will preclude a car from coverage.

Condition is key

Besides used car mileage and age, condition is another incredibly important factor to consider when buying a second-hand car. After all, a 10-year-old vehicle that has covered over 100,000 miles but has been driven sensibly, serviced on time and generally well cared for is a great proposition. In comparison, a car half its age, with a fraction of the mileage, driven recklessly and maintained on a shoestring budget is less so!

The cosmetic appearance of the car is the first thing you’ll notice about it, so pay attention to any dents, scrapes or bumps that haven’t been treated by its previous owners. This will give you an indication of their overall attitude towards the vehicle and will likely reflect how the car has been treated on the whole. The same goes for uneven paint jobs, rusting and discolouration. In addition, any grinding, juddering or unpleasant noises during a test drive are major red flags that shouldn’t be ignored.

As well as subjecting the car to a thorough examination and a test drive, it’s also essential that you cast an eye over the paperwork. Ask to see its complete service history – if one isn’t provided, steer clear straight away – and check for major surgery. In particular, look out for big ticket operations like cam belt replacement, which can affect many other components of the car. This could result in a hefty bill if the work needs to be carried out under your ownership.

How much mileage is good for a used car?

Having said all that, many buyers are still keen to have a ballpark figure in their head when it comes to considering used car mileage. As a general rule of thumb, a car is expected to cover an average of between 10,000 and 12,000 miles per year. With that in mind, it’s simply a case of doing the sums and checking to see whether your prospective new motor has been under or over-performing during its lifespan to date.

For those buyers who wish to take advantage of car financing to fund their purchase, it should be remembered that most lenders will put a cap on the number of miles a vehicle has driven to be approved for a deal. That exact figure will vary from lender to lender and can change depending on the unique circumstances of the arrangement. However, it’s normally around 100,000 miles. Bear that in mind if you wish to obtain a PCP, PCH or HP deal when buying a used car.

Extenuating circumstances

Of course, the above ballpark is meant merely as a guideline that can help influence your decision. There are also exceptions to the rule which can mean that a higher mileage isn’t necessarily indicative of a problem. For example, if the vehicle has been used as part of a professional fleet, it could easily cover upwards of 30,000 miles a year, which sounds like a lot of tarmac under its belt.

However, company cars often spend much more time driving in motorway conditions as opposed to urban metropoles. This can mean that the steady nature of coasting is far less taxing than the stop-start rhythms of a busy city centre. What’s more, a company-owned vehicle is almost certainly going to have been serviced regularly and cared for with a professional approach, meaning it’s less likely to suffer from serious issues under the bonnet.

Trust your instincts

When approaching a potential automotive transaction, thinking about how much mileage is good for a used car is a solid starting point, as is factoring in its age, track record and current condition. However, there’s simply no substitute for your own judgement when it comes to these matters. Buy with your head (and not with your heart) and you’ll find that your own instincts will often alert you to whether a deal is a sound investment or not.

Thankfully, much of your homework can be done in advance of an in-person inspection. With a wide variety of car buying sites available online, you can research different makes and models, ask questions of dealers and see 360° photos of the vehicles in question. You can even use a car finance calculator to ascertain how much the car will set you back in the long run through used car finance! Trust your gut, then reinforce that decision by doing your due diligence and you won’t go far wrong. Happy trails!

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • 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

Good

  • 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

Fair

  • 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

Poor

  • 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

Bad

  • 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
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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!

What to Check When Buying a Used Car

Searching for a second-hand car can prove to be a challenging task, especially if you don’t know your head gaskets from your gearbox transmission fluid. Of course, the fact that used car salesmen have long carried a reputation for exaggerating the assets at their disposal doesn’t make the task any more appealing. But thankfully the automotive world has come a long way since then. What's more, there are key things to check when buying a used car that will make your experience easier.

Nowadays, you can conduct a significant amount of research online, long before you set foot in a dealership forecourt or clap eyes on the vehicle in question. With a wealth of information at your fingertips, including 360° images of the interior and exterior, a full history of its past performance and user reviews from other owners of the same make and model, you’re better equipped than ever before to land yourself a bargain. You can even find used car finance easily online to help you fund your purchase!

Having said all that, there’s still no substitute for giving the tyres a good kick and running your eye over the vehicle in person before you sign on the dotted line. For anyone unsure about which questions to ask and which tell-tale signs to look out for, here’s a quick reminder of what to check when buying a used car from a dealership, at an auction or via a private seller. 

Buying a used car checklist

With so many things to keep in mind, it’s a good idea to separate out each area of concern into a different category. This can greatly simplify the process and make it far easier to remember everything when compiling a buying a used car checklist. You should make sure you cover the following areas:

Under the bonnet

As the beating heart of any vehicle, the engine should always come in first on your list of what to check when buying a used car. Make sure there are no signs of leakages in and around the engine, which could come from the oil, the coolant, the transmission fluid or the power steering fluid. It’s also a good idea to leave the engine running and inspect the tailpipe for discoloured emissions, which can indicate an issue.

In the driving seat

Get into the driver’s seat and switch the ignition on, which will allow you to instantly see on the dashboard whether any warning lights come on. While you’re here, you can also confirm the car’s mileage and try out all signalling lights, as well as satisfy yourself that all the climate controls, windows, central locking system, infotainment panel and any other electronics are all in good working order.

On the road 

It should really go without saying, but the number of buyers who finalise their purchase without taking the car for a test drive is quite staggering. Make sure you get behind the wheel and on the road to get a feel for the car’s brake response, clutch biting point and ease of changing gears. Any delay, resistance or grinding is a red flag that not all is well with the gearbox or brakes, both of which are absolutely crucial to the running of the car.

In black and white

Documentation is still an all-important piece of any car purchase, since it will not only enable you to see a detailed breakdown of the car’s past history including any insurance write-offs, but will also allow you to prove it is yours after the fact and help you get the car taxed when the time comes. Don’t move forward with any deal if the vendor can’t provide a service history, a V5c and an MOT for the vehicle.

On the eye

When buying a used car, check everything that the seller is telling you with your eyes and your ears. For example, dinks and dents to the exterior bodywork could point to a past accident they would prefer you didn’t know about, while strange sounds during operation might highlight an ongoing issue. Take stock of the car’s outward appearance, its purported age and the service history to see if they all tally. If they don’t, the seller might be trying to pull the wool over your eyes.

Safety first

Last but not least, it’s essential to make sure you prioritise safety every time you buy a used car. This means checking all the nitty gritty details of a car’s operational status, including making sure that the windscreen wipers, air bags, headlights, seatbelts and other safety features are in perfect working order. You should also verify whether the car comes with a spare tyre, jack or any other maintenance tools, as well as measuring the tread of the tyres themselves. Any tread that is less than 3mm will mean they’ll need replacing sooner rather than later.

Evaluate your options

Whatever vehicle you wish to buy and whoever you’re trying to purchase from, it’s important not to rush into any decisions. If you uncover faults with any of the items mentioned above, you can insist the seller handles it, negotiate a reduction in price or simply walk away from the deal. With eight million used cars sold in the UK each year, you should always remember that there are plenty of other options out there.

With that in mind, if you have any doubts about a used car, checking the market for other alternatives is always a good idea. Listen to your head – not your heart – and err on the side of the caution with any second-hand purchase and you can’t go wrong. As always with these types of deals, price is a major factor, but it should never be the defining one. Don’t plump for a substandard set of wheels just because they come at a discount price.

At My Car Credit, we make it easier to buy used cars on finance, so you don’t have to compromise on the quality of your purchase because of the up-front costs. To find out more, simply drop us an email at enquiries@mycarcredit.co.uk and we’ll be happy to run through your options. Whether it’s a new car or a used one, we’re here to make the whole process that little bit easier. Get in touch today!

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • 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

Good

  • 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

Fair

  • 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

Poor

  • 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

Bad

  • 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
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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!

Is It Better to Finance or Buy a Used Car?

Used car bought using finance

For most people, buying a car – even a used one – represents a substantial purchase in the context of their normal spending habits. That’s why car financing is becoming an increasingly popular option among the British public, with 91% of new car buyers using a finance deal to fund their purchase in 2019.

Of course, your available budget is likely to be the biggest factor in deciding whether to finance or buy a used car. However, it’s not the only consideration you should take into account, with advantages and disadvantages on both sides of the coin. In order to help you reach a decision, here’s a quick look at the pros and cons of both options.

The case for buying outright

If you have the capital available, paying for a car with cash can be the simplest and most straightforward method of acquiring a new motor. After having finalised the deal and transferred the funds, you can drive away with your new set of wheels. There are no monthly instalments to pay, no interest to worry about, no credit checks to pass and no mileage limits to stay under.

While buying a car is certainly the cheapest option available to you in terms of the amount you will pay for it, you should bear in mind that the value of your asset will undoubtedly depreciate over time. That means that buying a car outright is not an investment you can expect to see returns on. What’s more, the fact that you’re paying upfront means that your choice of car is likely to be restricted by your budget.

The case for car financing

On the other hand, taking advantage of the various types of car finance available on the market can give you a much larger budget, allowing you to access a wider range of vehicles. This can result in a better driving experience for the duration of the contract. In addition, you’ll have a more valuable asset at its conclusion that will last longer and fetch a higher price when it comes to moving it on.

Meanwhile, utilising a car finance deal allows you to manage your cashflow far better. You can even use the money that you save by not buying outright to invest in stocks and shares, lay down a mortgage or build up a nest egg. Meeting your fixed monthly repayments will also reflect favourably on your credit score. Even better, you can dispense with the hassle of finding a buyer if you choose an appropriate car finance package.

Is it better to finance or buy a used car?

Ultimately, the choice of whether to buy or finance a used car will depend upon your own financial situation, the type of car you wish to purchase and the things you value most in life. However, there are plenty of very attractive advantages of using car finance which simply aren’t available to those who buy outright.

If you’re interested in finding out more about the car finance options available to you, or to make an application with My Car Credit, why not give us a ring? You can reach us on 01246 458 810 or by sending an email to enquiries@mycarcredit.co.uk and we can take things from there. Get in touch today!

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • 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

Good

  • 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

Fair

  • 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

Poor

  • 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

Bad

  • 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
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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!

4 of the Best Online Car Buying Sites

Man sat at home shopping online for a new used car

Buying a new car was once something of a daunting prospect for many people, especially those who were in the market for a second-hand set of wheels. Limited knowledge of what goes on under the bonnet, alongside the unreliable reputation of used car salesmen in general, often meant a trip to a dealership forecourt was something that many people avoided like the dentist.

Fortunately, that kind of ordeal has become a thing of the past. The wonders of modern technology mean that the automotive market has, like many other industries, moved largely online. Nowadays, you can log on to any number of car buying websites to browse their available wares, peruse 360° photographs of the vehicles in question and even use car finance calculators to understand how much the purchase might cost you over time.

While this has undoubtedly made the whole process easier, fairer and more convenient, the sheer wealth of options out there can make it difficult to know where to begin. With that in mind, we’ve compiled a list of the best online car buying sites on the internet today, along with a quick rundown of their USPs, benefits and drawbacks. And when you’ve finally struck upon the car of your dreams, you can count on My Car Credit to help you find the financing so that you can afford it. Read on to find out more about four of the best online car buying sites.

1.   Auto Trader

First founded in 1975, Auto Trader is the oldest and most popular option for finding a new car on the internet. Once a hugely popular print magazine, Auto Trader migrated fully online in 2013 and has never looked back. Today, it’s the biggest database of new and used cars you’ll find anywhere in the UK, with over 90% of its more than half a million vehicles sourced from licensed dealers and the remainder sold by private owners.

Auto Trader has integrated a number of handy search functions into its site, allowing you to narrow the parameters based upon size, fuel type, emissions ratings and cost, both upfront and monthly should you choose to take a finance plan. However, visitors should be aware that the default search results are ranked according to the fee paid to the site by the dealer, so adjusting those rankings is paramount to finding the best deal for you and not the best deal for Auto Trader.

2.   Motors

Motors has the second largest collection used cars online, though it does not stock new models and its overall listings still lag some way behind market leaders Auto Trader. Having said that, Motors has made great use of the available technology to create a site that’s incredibly user-friendly and easy on the eye at the same time.

With the use of clean graphics and an intuitive interface, Motors allows buyers to adjust their search according to a whole host of preferences, including things like the road tax that the car carries and the bells and whistles that it comes with. One slight drawback of Motors’ system is that the reviews left by other buyers on the site don’t always correspond to the image of the car in question, with reviews grouped together by make and model rather than individual vehicle.

3.   Cazoo

Cazoo is one of the fastest growing sites for used cars in the UK, with over 250 makes and models to choose from. Their USP is that they were launched by those with a vested interest in facilitating the process of finding a new car, which means that every vehicle in their online showroom has been subjected to a meticulous 150-point inspection, as well as a recent service, MOT and reconditioning where necessary.

Cazoo also pride themselves on promoting transparency and fairness in every deal they do, so you don’t have to worry about hidden fees or costs when it comes to signing on the dotted line. Best of all, they offer a seven-day, no-questions-asked returns policy alongside a 90-day warranty, giving you complete peace of mind that your purchase is the right one for you.

4.   Cinch Cars

Another up-and-coming star of the used car market, Cinch Cars are one of the best online car buying sites for those on the lookout for a second-hand vehicle with first-class quality. Each of the thousands of cars available in their database is less than seven years old and has fewer than 70,000 miles on the clock, so you can be sure you’re getting only the crème de la crème of used motors.

Like Cazoo, Cinch Cars also conduct a thorough inspection of each vehicle in their care, refusing to sell anything that doesn’t cut their mustard. What’s more, the entire process – from searching for your next ride to finding the finance to suit to signing the papers – can be handled online and you won’t even have to leave your home to get behind the wheel! That’s because Cinch offer a delivery service at the date and time of your choosing. Now that’s convenience.

Which is the best online car buying site?

To put it simply, there is no one-size-fits-all answer to this question. Each of the sites listed above come with their own unique advantages, meaning the one which is best for you will depend on your own preferences and tastes. Auto Trader and Motors both offer enormous databases of hundreds of thousands of vehicles, while Cazoo and Cinch Cars prioritise quality, transparency and convenience in their dealings.

Whatever site you decide to use for your next vehicle purchase, My Car Credit is here to provide the financing you need to seal the deal. We consider all circumstances – even if you have a poor credit rating or you’re a young driver – and we’ll give you a fair decision within minutes of receiving your application. Want to learn more? Give us a ring on 01246 458 810 or send us an email to enquiries@mycarcredit.co.uk and we’ll start the ball rolling on your application today.

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • 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

Good

  • 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

Fair

  • 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

Poor

  • 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

Bad

  • 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
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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!

Should I Buy an Automatic Car?

Automatic car interior

Manual cars have been the preferred choice in Britain since the very first motor vehicles appeared on our roads at the end of the 19th century. Although automatic gearboxes weren’t too far behind – with the first automatic transmission arriving in 1921 – they have never enjoyed the same popularity that they do in countries like the USA.

For those who haven’t tried an automatic car before, there may be some confusion over what the difference between the two is and how this manifests itself in the driving experience. While there is no definitive answer to the question: “Should I buy an automatic car?”, there are certainly pros and cons to doing so.

Pros and cons of an automatic car

Whether or not you choose an automatic car for your next purchase will depend upon your own personal preferences. However, understanding the advantages and drawbacks of an automatic gearbox can help you to make an informed decision. Here’s a quick rundown of the pros and cons:

Pros

  • Ease and convenience – With an automatic gearbox, it’s not necessary to concentrate on which gear you need to be in. Simply select “D” to drive, then use the accelerator or brake to adjust your speed. You’ll only need to use the gearbox again when parking or reversing.
  • Smoother drive – Since the gearbox automatically knows when to change gears, you’ll never have to suffer jerky transitions again. Stalling also becomes a thing of the past as long as the automatic gearbox is in a good condition.
  • Good for traffic jams – If you live in a busy town or city, you might find yourself contending with rush-hour traffic on a regular basis. Constantly having to use the clutch pedal can become tiring on your leg with a manual car – but in an automatic, you’re free to devote your energy and attention to navigating your route safely.

Cons

  • Less control – Having a manual car allows you to drop gears when you need to accelerate sharply, such as when you need to overtake another vehicle, for example. With an automatic car, that kind of freedom is not available.
  • More boring – For some drivers, switching gears is actually the most entertaining and interesting part of the experience. Removing that can make driving a more tedious task.
  • More expensive – Because they are generally less popular in the UK, automatic cars are often more expensive than their manual counterparts. That applies to both new and second-hand vehicles.

Should I buy an automatic car?

Ultimately, the answer to this question will depend upon your individual preferences when it comes to getting behind the wheel. If you prioritise comfort and convenience, an automatic may be the way to go. On the other hand, if you prefer to retain maximum control, or if you’re on a budget, you might prefer a manual car.

Whichever type of vehicle you settle on, My Car Credit has an extensive array of options online for you to browse, including both manual and automatic models. We can even help you to find the appropriate car finance to fund your purchase! If you’d like to learn more, feel free to drop us an email at enquiries@mycarcredit.co.uk and we can take things from there.

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • 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

Good

  • 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

Fair

  • 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

Poor

  • 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

Bad

  • 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
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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!

How to Buy A Used Car: 6 Quick Tips

Woman driving whilst thinking about buying a new car

Buying a car is by no means an easy decision – you are making a commitment to something that you will be relying on daily. That’s why we’ve come up with six quick tips on how to buy a used car – follow them and you should be on the right track.

1. Test drive the car you want

This seems like the most obvious rule you can think of, but it is staggering how many people don’t test drive the car they are looking to buy. You can look at a car for days and read its list of specifications until your eyes go blurry. However, without taking it for a test drive you will never know what it’s like to drive.

2. Pick your time

This sounds dubious but picking a time to buy your used car is a great way of saving money. August and February are often seen as two good times. This is because it’s just before number plate formats are changed, which is a quieter time for dealers. Also avoid weekends and aim for towards the end of the month – it’s more likely that dealers will be looking to make their bonus quota.

3. Make yourself a used car checklist

Unlike a new model, a used car requires you to look for some tell-tell signs. The main things to look out for are:

  • Mileage: Check the clock against the age of the car and ask yourself if there’s anything that doesn’t add up.
  • Engine: Ask to see the engine and look for any signs that there has been any undisclosed work or any leakages under the engine.
  • Overall condition: Check for any scratches, dents or marks inside and outside the car.
  • Test the gadgets: Make sure that every gizmo in the car is working as it should.
  • Check the essentials: Windows, lights, doors (including boot) and safety locks.

4. Always negotiate

It is worth bearing in mind that margins on cars are pretty tight these days. Be respectful of the dealer and do your research before you start asking for a discount. If you walk away from a great deal, you could well be shooting yourself in the foot. However, even if you’re getting a great price, there’s no harm asking for some extras or freebies. For example, subsidised aftercare, free delivery, even car mats or an umbrella all help sweeten the deal!

At the end of the day, if you love the car but not the price, you can always walk away – there’s will be other cars and if you leave your number you might even get a call back. 

5. Choose a good car dealer

Choosing a good car dealer is the number one, best way of buying the right used car. Essentially, the more reliable the dealer is, the less likely they will be to sell you a bad car. So, do your research! Look for reviews, extensive listings on their sites and their association with relevant authorities (e.g. FCA, RMIF). In addition, look out for car dealers who offer a warranty – always a major plus.

6. Conduct an independent report

If you’re still unsure about whether the car you are looking at is reliable, you can get an independent report. This should be a last resort, but if you are making a big investment in your dream car, you can get a report from The Motor Ombudsman. They are a government-backed body that deals with the motoring industry.

Purchasing a used car is a big commitment so we hope that our tips will steer you in the right direction and get you behind the wheel of a quality used car.

Representative APR 8.9%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating

Excellent

  • 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

Good

  • 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

Fair

  • 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

Poor

  • 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

Bad

  • 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
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 8.9%, annual interest rate (fixed) 8.86%, 47 monthly payments of £184.94 followed by 1 payment of £194.94 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,387.12, total amount payable is £8,887.12.

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!