Can I Buy a Car During Lockdown?

Mother and daughter at home searching for a new car during lockdown

The second lockdown is upon us. Other than a few exceptions like schools and elite sport, the restrictions largely mirror those introduced in March. That includes social distancing when it comes to transport.

Despite key workers still needing to commute to and from work, people are again being asked to avoid public transport wherever possible, with car-sharing also seen as a no-go for people from different households. The most obvious way around this is to get a car of your own. Alternatively, entering the winter months, you might have noticed a few issues with your current car and be looking for a replacement.

In both cases, the solution is to buy a car. But what about the restrictions? In this post, we’ll explore whether you can buy a car during lockdown.

What the government says

Announced by the Government on Saturday 31st October, the second lockdown will force all non-essential retailers to close from November 5th until December 2nd. Unfortunately, this includes car dealerships, meaning customers will no longer be able to buy a car in-person.

That said, the Government hasn’t banned the sale of cars completely. As with many other non-essential retailers, click and collect or delivery options are both still available. That means you can buy a car online and pick it up in person, or have it delivered to your address. It’s essentially a repeat of the “distance selling” regulations that were introduced in May.

How dealers can help

Despite being able to buy a car during lockdown, it’s understandable that many customers will still be concerned about the process. Will the pick-up or delivery of the car be Covid-safe? How can I make sure I’m choosing the right car without visiting the dealership?

Fortunately, having been through the same situation from May, many dealerships already have measures in place to make the process easier. Some offer video tours of the car to mimic the in-person experience. You can also expect better support by phone and webchat, with staff keen to continue sales remotely.

For complete peace of mind, it’s worth checking dealerships’ approach to coronavirus safety, hygiene and social distancing before buying.

What about finance?

The final part of the picture is how you pay for the car. Fortunately, that’s another area where measures have already been implemented.

It’s now possible to complete the whole finance journey online including sending and receiving documents, processing proof of ID and address and even e-signing to seal the deal. This was certainly a popular option in the first lockdown, with a 95% increase in car finance applications online compared to 2019.

At My Car Credit, we will remain open for business as usual, with exactly the same opening hours. The majority of our staff are working from home, using new and improved technical equipment and telephone systems and waiting for your call! Some of our operational teams will continue to work from our Covid-secure offices. This is to ensure we maintain the excellent service levels we’ve become known for.

We are also delighted to say that there will be no changes in our processes, which our lenders have confirmed to be more than robust enough for the current climate. This means you can take out car finance through us with complete peace of mind.

To take the first steps towards your lockdown car purchase, calculate car finance and then use our online application form or get in touch with our team for more information.

Rates from 6.9% APR. Representative APR 13.9%

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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

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!

Driving After Lockdown: Staying Safe After COVID-19

steering wheel of someone driving after lockdown

There’s no denying that COVID-19 disrupted almost every aspect of modern life, from how we work to how we shop. Lockdown had millions of Britons working from home, while many others were furloughed. The restriction on work and social lives meant that there was a significant reduction of vehicles on the road.

Since June, the government has pared back lockdown and is gradually reducing restrictions. Many of us are heading back to work and we can begin to visit family and friends again, while maintaining social distancing, of course.

With the surge of motorists back on the road, it’s incredibly important to be more diligent while driving. If you are getting behind the wheel for the first time in several weeks, take a look at our top tips on how to drive safely.

1. Prepare your vehicle

Your car may have been sitting for weeks on end. Before you head out on the roads, ensure that it is roadworthy. After a long period of inactivity, it’s possible your car’s battery will be flat. Inspect the tyres, ensuring the correct air pressure and that there are no cracks in the sidewalls.

Check the engine oil, lights and top up the fluids before setting off. When you need to top your car up with fuel, ensure that you are wearing gloves when handling the pump and paying.

2. Clean and disinfect

Whether you’re heading back to work, popping out to the shops or dropping off goods to vulnerable family members, your car needs to be kept clean and disinfected. Since the coronavirus can live on surfaces for up to 72 hours, it’s wise to ensure your vehicle is not a carrier of these harmful germs.

Wear appropriate personal protective equipment (PPE) to minimise the chance of coming into contact with the coronavirus. Wear gloves, a mask and an apron that are either washable or disposable.

Start by cleaning your vehicle by removing dirt, dust and debris from the interior. Next, use a disinfectant to spray over the dashboard, steering wheel, gearbox, handles, buttons, seat belts and visors. Wipe down with a clean microfibre cloth that is immediately put into the washing machine. Don’t forget to clean the interior and exterior door handles as well as the boot handle.

3. Plan ahead

Before setting off, plan a route to get to your destination. Be aware that certain road conditions may have changed in the last few weeks and there could be temporary closures and delays.

4. Slow down

There may be fewer cars than normal on the roads, which make it tempting to speed to shorten your journey. However, speeding is never the answer. Stick to the speed limits or below, especially as you get used to being behind the wheel if you haven’t driven in a while.

5. Carry hand sanitiser

Washing our hands is just as important as it was before to slow the spread of the coronavirus. However, not everyone has access to soap and water when they are out and about. Instead, many resort to the next best option – hand sanitiser.

Keep a bottle of hand sanitiser in your vehicle that is at least 60 percent alcohol to use before leaving the vehicle and upon returning. Keep the bottle out of direct sunlight as the heat could reduce its effectiveness and turn it into a potential fire hazard.

A new vehicle for your new needs

If you find yourself using your car more often or less frequently after lockdown, or if it’s just looking worse for wear, it may be time to upgrade your vehicle.

At My Car Credit, we can help you secure the right car finance that suits your needs and budget. We are operating business as usual and are ready to help you today. Calculate car finance and then apply to get started.

Rates from 6.9% APR. Representative APR 13.9%

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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

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!

Distance Selling Regulations When Buying a Car During COVID-19

customer buying a car remotely during covid-19

As Britain begins to emerge from two months of strict quarantine measures, those living in England are now being encouraged to return to work if they cannot do so at home. The rest of the UK is expected to follow suit in the upcoming weeks. However, the government is still stressing the importance of social distancing and has advised the use of public transport only as a last resort.

As a result, many concerned individuals are looking into the possibility of purchasing a car to enable them to travel to and from their place of work safely and efficiently. Whilst car showrooms have, as of 1st June 2020, been given the go ahead to open their doors, there are still strict guidelines around how this should be done safely. Whilst dealerships will be busy implementing safety measures, you may prefer not to visit a dealership just yet. However, this doesn’t mean that you can’t purchase your next car!

As of the 13th May, 2020, the government has clarified on its own website that car dealerships can now operate “distance selling”. This means that instead of visiting the showroom, selecting a car and even taking it for a test drive, customers can now “click and collect”, completing the entire transaction online. In this post, we’ll take a closer look at how distance selling regulations work when buying your car.

A digital migration

The online marketplace has been encroaching upon the physical one for many years now. High street stores have been closing in their droves and bricks-and-mortar banks are gradually being phased out by their virtual equivalents. But there are some commodities that are more suited towards a physical visit. Car showrooms, where the product is literally test driven before the purchase is completed, is one such place of business.

However, the outbreak of COVID-19 has forced companies working in all different industries to readjust their way of working. Car showrooms are likely to remain out of bounds for the foreseeable future, but demand for cars has picked up once again, with one dealership chief executive stating that online enquiries for new car purchases had returned to the levels usually expected at this time of year. With that in mind, distance selling is a compromise that benefits everyone.

Instead of visiting the premises, interested buyers can check out the range of vehicles available online, perusing the showroom from the comfort of their own home. They can access information about any car’s vital statistics and call up the dealership to enquire further. Many dealerships are now providing in-depth video walk-arounds of the car, even doing this live so that customers can ask questions there and then. When they have settled upon the car they would like to buy, it’s then simply a case of making a deposit payment online or over the phone to secure the vehicle.

Should the customer opt to fund their car using My Car Credit, many of our lenders will provide a safe and secure e-Sign facility. This allows the customer to complete all of the paperwork without ever needing to visit the dealership.

The two parties can then arrange for the car either to be delivered to the buyer’s home or for the buyer to visit the showroom and pick it up onsite. In the latter case, the buyer cannot enter the showroom, but must complete the handover and the relevant paperwork in the dealership’s forecourt. This must all be whilst complying with all relevant social distancing and hygienic standards.

Buyer security

For those who are wary about making high-value transactions online, there is an understandable degree of concern about the safety and security of doing so. Fortunately, those concerns are addressed in a piece of government legislation called The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Distance selling of automobiles has already been legal for several years, but only due to coronavirus is it becoming more prevalent.

Those regulations entitle the buyer to all of the normal rights they would expect when completing the purchase onsite, with a few significant differences. The main one regards the right to reject. With a conventional sale, the buyer is protected under the Consumer Rights Act 2015 and is allowed to reject the item within 30 days of completing the purchase, but only when their rejection is based upon solid reasoning. This reasoning could be, for example, that the car is faulty in some way. The dealer would then be under obligation to prove that the fault did not exist at the time of the sale. Failure to do so would result in them being forced to refund the sale in full.

A distance sale, by contrast, only gives the buyer a 14-day window of opportunity within which they can cancel the sale – but unlike a conventional transaction, they do not need to provide any reason for their change of mind whatsoever. This gives the buyer much more leeway in the decision-making process, since they are free to change their mind within two weeks of buying the car and do not have to worry about proving whether the product was faulty or not before the purchase.

For reference, the 14-day window begins as soon as the dealer has handed over both the vehicle itself and the written confirmation of the sale. Failure to transfer this latter component – either by email or in physical form when the car is dropped off or collected – could mean that the buyer is within their rights to return the car for a refund within a maximum of one year after the purchase.

Sourcing appropriate car financing

While the government’s green light for distance selling during the COVID-19 crisis is good news both for dealerships and those looking to buy, many people are still adversely impacted by the economic fallout of the pandemic. Funding any major purchase is a tall order right now, which is where car financing comes into its own.

Since 2015, My Car Credit has been helping drivers to finance the purchase of their next car through our efficient online system and extensive range of industry contacts. As experienced credit brokers, we can find the most favourable lending terms on the market, giving you an idea of the budget available to you. We can then help you to locate your ideal motor through our network of reputable dealerships and showrooms.

The service is open to everyone, regardless of employment status and credit history, and we can deliver a decision on credit finance for your unique situation within a matter of minutes. What’s more, the whole process can be managed online or over the phone, ensuring you adhere to social distancing protocol every step of the way. To take the first step towards your new car, calculate car finance today.

Rates from 6.9% APR. Representative APR 13.9%

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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

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!

5 Best Car Shows You Should Watch During Lockdown

Man watching best car shows during coronavirus lockdown

If you like nothing better than the open road unfurling in front of you, the lack of driving time imposed by lockdown might be driving you up the wall. What’s the next best thing to getting behind the wheel? Watching others do so, of course! Fortunately, there is no shortage of car TV shows on Freeview, Netflix, Amazon Prime or YouTube right now. Here are a handful of the best car shows to choose from to keep your brain in gear and your engine ticking over until the lockdown restrictions are lifted.

1. Top Gear

The quintessential car show, Top Gear is still just as entertaining to watch as it ever was. BBC iPlayer has all of the more recent episodes of the show, helmed by the trio of Paddy McGuinness, Freddie Flintoff and Chris Harris, but if you’re craving a fix of the classic combination of Jeremy Clarkson, Richard Hammond and Richard May, head over to Netflix. The streaming service has 17 seasons of the stuff, including several with the lesser spotted Chris Evans and Matt LeBlanc.

2. The Grand Tour

While Clarkson, Hammond and May might have left Top Gear behind, they certainly didn’t forego their penchant for all things automotive altogether. Instead, they’ve simply migrated to Amazon Prime, where four seasons of their new show The Grand Tour are waiting to be gobbled up. The series might be a more Americanised version of the Top Gear that we’ve all come to know and love, but there are still plenty of laugh-out-loud moments to keep those engines revving.

3. Fastest Car

Staying across the pond in the USA, Netflix have come up with their own original take on the traditional car TV show with Fastest Car. In it, gearheads take a run-of-the-mill “sleeper” car and modify it to their hearts’ content. Then, they put their handiwork to the test by racing their souped-up specimen against one of the most exotic supercars in the world over the course of a quarter mile drag race. Street cred and bragging rights are very much on the line.

4. Drive to Survive

Another Netflix show, this exclusive documentary takes a peek behind the curtain of Formula One, making it ideal for any auto aficionados who are missing their Grand Prix fix. With two seasons available, the series covers the daily lives and stresses faced by F1 drivers, owners and managers throughout the 2018 and 2019 World Championship events. With unparalleled access to those living and breathing the sport, it’s perfect for anyone who likes to live lockdown in the fast lane.

5. Red Bull Soapbox Race

While this last show may be stretching the definition of car somewhat, it’s certainly a vehicle for entertainment (excuse the pun). Basically the equivalent of Cooper’s Hill Cheese-Rolling and Wake (which takes place annually in Gloucestershire), the competition does not feature motorised cars, but all entrants must come equipped with both steering and braking capabilities. The objective? To make it to the bottom of a very steep incline in as short a time as possible. Hilarious results are all but guaranteed.

Take the drama out of car finance

While we can’t keep you entertained through the lockdown like the shows above, My Car Credit can help in your search for a new motor. We provide flexible car credit with a fast, simple application process that doesn’t rule anyone out.

Apply for a car loan today to put us to the test.

Rates from 6.9% APR. Representative APR 13.9%

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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,176.24, total amount payable is £9,676.24.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

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!