Over the years, used cars salesmen have developed something of a reputation. It’s for that reason that many people dread visiting a dealership and haggling over the price of a second-hand vehicle, especially if they don’t have a strong knowledge of what goes on under the bonnet.

But what if you could view thousands of cars online, all with complete service records and all priced at reasonable rates? What if you could browse pictures of the vehicles (inside and out), ask questions on their performance histories and finalise the deal, all with a few clicks of the mouse? What if you could receive the car direct to your door, meaning you never have to leave the house once throughout the entire process?

Step forward Cinch Cars. With the ability to review thousands of top-quality used cars and complete the transaction all in one place online, it’s a one-stop shop for your next set of wheels.

Who are Cinch Cars?

Cinch Cars was founded with the objective of taking a stressful process and simplifying it as much as possible. After all, why should buying a car be any more problematic than any other online purchase?

Based upon that business model, Cinch Cars put their customers at the forefront of every aspect of their operations. They stock thousands of cars from all over the UK, all of which are less than seven years old and have fewer than 70,000 miles on the clock. Customers can even use their old car as a makeweight in a part-exchange deal.

As well as providing an extensive online catalogue of high-quality used vehicles, Cinch Cars also offer a handy tool which can narrow down the overwhelming array of options based upon your personal preferences and circumstances. Then, when you’ve settled upon the car of your dreams, it’s time to turn it into a reality with just a few clicks of the mouse.

How does it work?

First of all, you should take the time to look through the thousands of vehicles available online at Cinch Cars. Each car comes with its own personal profile, including photos of the vehicle inside and out, as well as a full history of its owners and service records. After comparing and contrasting the vehicles in the Cinch catalogue, you should be well equipped to make a decision on your next car.

Once you’ve found the one for you, all of the relevant paperwork can be completed online. After finalising the transaction and transferring the funds, you’ll be asked to choose a date and a time for the car to be delivered to your doorstep. Alternatively, you can pick out a make and model from an approved dealership near you, making things as easy and as flexible as possible.

Prior to the delivery date, it’s a good idea to get the car insured and taxed. Cinch Cars offer a three-day driveaway insurance policy through their partners Tempcover to get you behind the wheel as soon as possible. However, it’s a good idea to make your own arrangements on a longer-term basis, as well. Then once the handover is complete, you’re in the driving seat!

Why should I buy a car from Cinch Cars?

Cinch Cars have transformed the process of buying a used car from an arduous one into a doddle. But aside from the convenience and efficiency they offer, there are a whole host of other reasons why you should buy from them, including the following:

  • Extensive online catalogue. Cinch Cars stock a huge range of cars in all shapes and sizes. Whether it’s a coupe, a convertible, a hatchback, an estate or an SUV you’re after, you’re sure to find something that tickles your fancy online.
  • Quality guaranteed. All of the vehicles listed on the Cinch Cars site have been rigorously tested via a 225-point inspection, ensuring everything is in perfect working order for when it arrives at your door.
  • The Cinch commitment. As Cinch pride themselves on only stocking the finest makes and models from the used car market, they never sell any vehicle that is over seven years old or has more than 70,000 miles on the clock.
  • No charge for delivery. After signing on the (virtual) dotted line, you can select a two-hour slot on a day that is convenient for you for the car to be delivered to your doorstep. What could be easier?
  • Faff-free returns policy. What happens if you get behind the wheel of your new car, but something just doesn’t feel quite right? No problem. Cinch Cars operate a 14-day, faff-free returns policy, entitling you to a full refund if you’re not completely happy with your purchase.

How can My Car Credit help?

With the logistics of locating and buying your dream car taken care of, all that’s left to worry about is how to finance the purchase. After all, such a deal is not a small sum and not many people would be able to come up with the funds necessary to complete the transaction in one fell swoop.

If you’re left asking “Can I afford to buy a car?” – My Car Credit can help. We scour the lending market to find the best deal for you, then handle all of the tiresome paperwork involved as well. We can access the best deals available from our large panel of lenders. This means we can find the right arrangement for your circumstances, even if you’re self-employed or have a poor credit history! Either way, we’ll give you a decision on car financing within a matter of minutes.

Also, if you’re looking for reputable car dealers to buy your next wheels from, we have our own stock list of quality used vehicles. All of our dealers have been vetted for your peace of mind. Simply put in your postcode and the distance you’re willing to travel and we’ll pull up all vehicles within your parameters.

Last but certainly not least, we pride ourselves on providing exemplary customer service to each and every one of our clients. That’s why we assign a specialist personal advisor to every case, ensuring there will always be someone in your corner when you need them most. Want to learn more about how we can help? Feel free to drop us a line at 01246 458 810 or send an email to enquiries@mycarcredit.co.uk. Don’t delay – get in contact with our friendly team today!

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!