Does the thought of spending the weekend hopping between used car dealerships and navigating hard sales tactics put you off buying a new vehicle? Not to worry. There’s a better option!

Designed to make shopping for used cars as easy and stress-free as possible, heycar does away with traditional bricks-and-mortar yards and gives you access to thousands of used vehicle listings at your fingertips. What is heycar? It’s essentially an online marketplace for second-hand vehicles.

Wondering “who are heycar”? Want to know what they’re all about? Read on as we answer all your questions about heycar, how they operate and why they’re the used car platform of choice for motorists across the UK.

A short history of heycar

heycar was launched in Germany in 2017. It quickly gained traction in Europe and was launched in the UK in 2019. The mission? To quash the stigma associated with buying a new car and bring trust, transparency and peace of mind to the British used car market.

At the official launch event in London, CEO Mat Moakes went into more detail about heycar. He stressed that despite the enormous value of the British used car industry, consumers are left high and dry.

According to research carried out by heycar, buying a used car can be just as stressful as applying for a mortgage or deciding what city, town or neighbourhood to live in. “People still have this real inner fear of getting ripped off,” explains Moakes.

What’s the solution? Purpose-built for the auto industry, heycar is designed to solve these problems. It provides a streamlined alternative for used car dealers and buyers alike. Plus, if you hate websites cluttered with annoying adverts, you’re in luck. They’ve also committed to an ad-free website to boost consumer trust.

So, who are heycar? It’s pretty straightforward, really. A purpose-built platform designed to streamline the used car purchase process. Sounds good to us. 

All about trust and transparency

So, who are heycar and why are they so big on trust and transparency? heycar throws around these words quite a lot. But what exactly do they mean? One of the company’s biggest USPs is an ad-free policy. Instead of charging dealers to list individual cars, the platform adopts a lead-generation model. This encourages dealers to list their best cars at fair prices.

What is heycar doing to support dealers? Unlike other competitor sites, dealers are invited to list as many cars as possible without an initial fee, so long as they meet the strict standards enforced by heycar. This model eliminates the anxiety of paying for a listing that might not generate leads. Instead, heycar only charges dealers when customers express interest in a listing. It’s basically matchmaking for the used-car industry.

Can I use finance to purchase a heycar vehicle?

Absolutely. As well as purchasing the car outright, you’ll see options for both Personal Contract Purchase (PCP) and Hire Purchase (HP) on heycar. Most cars listed on heycar are eligible for motor finance. Simply contact the dealer if you want to know more about your financial options.

Alternatively, you can use heycar as a search platform only and arrange finance with another provider. Whether you’re successful will ultimately depend on your personal borrowing history and the strength of your application. Fortunately, there are some fantastic car finance brokers – like My Car Credit – who can help to match you with the perfect lender for you. More on this and how My Car Credit can help later!

What about my existing car?

Already have a set of wheels and looking to upgrade? heycar offers a user-friendly ‘value my car’ service. You simply need to type in your car’s registration number and milage, and they’ll provide you with a free car valuation. There’s no need for an email sign-up and you’ll get your valuation right away.

heycar can provide valuations on everything from older cars to the latest used vehicles. Whether you’re planning to list your car privately or part-exchange it with a certified dealer, this tool is just one of the ways heycar aims to streamline the used-car shopping experience.

Is delivery included?

heycar unlocks access to used-car listings across the country. But what if you’re located in Bristol and the car of your dreams is in Manchester? The clever folks at heycar have you covered with an efficient and affordable delivery service. After you’ve settled your payment or arranged finance, heycar will deliver your car to your driveway in seven days or less. A friendly team member will give you a quick tour of your new ride, walk you through the paperwork and answer any questions you may have.

How can My Car Credit help?

Love the heycar concept but looking for something a little more personalised? At My Car Credit, we’re committed to helping Brits across the country track down their dream cars. Use My Car Search to browse pre-owned vehicles listed by hundreds of certified dealerships across the country. Simply fill out the search criteria and start browsing. All our dealers are regularly vetted for Financial Conduct Authority (FCA) status and excel in customer service. This means you can browse with total peace of mind.

When you’re ready to get into the driver’s seat, we’ve developed a handy car finance calculator to help you crunch the numbers. Our website is also packed with information designed to make your experience as smooth as possible, including how to check your credit score to finance a car.

Best of all, every customer is assigned their own personal advisor to help and guide them through the process. Whether you prefer to chat on the phone – 01246 458 810 – or get in touch via email at, we’re here every step of the way.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating


  • 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


  • 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


  • 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


  • 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


  • 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

Typical rate

Loan amount

Total payable




*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

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!