Rating based on 82 reviews

Midland Credit

  • Car loans up to £50,000
  • Low-interest starting from 5.99%
  • Repayment up to 60 months

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Midland Credit homepage
Author Midland Credit. Screenshot of Midland Credit website.
[Accessed April 28, 2020]

About Midland Credit

We have helped many people living in the UK buy the car they want from the dealer they want. We are all about empowering you to have what you what when you want it, and cars are a great start.

We consider everyone for our car finance options. If you are self-employed with an inconsistency income, we will still consider you. If you are CCJS or IVA’S, have defaulted or have a poor credit record, we will still consider you. Most of us need a vehicle and we understand this, so we consider everyone.

Affordable loan services

We do not charge a fee to apply, nor do we have an admin fee. All the cars we finance will get an HPI check done on it to ensure the car can be sold. We have everyone’s safety in mind and the intention to make your car choice a good one. We do not require a deposit, after all, we want to enable everyone to drive their own car.

Our handy car finance calculator will give you an idea of what you can expect the interest rates to be and how much your monthly instalments will be, you can change the months until you are happy with the monthly payments required, but remember the calculator is only a guide.

Car loan ranges

You can choose between 12 and 60 when deciding how much you want to borrow and how long you need to pay it back. We offer personal loan amounts between 3,000 pounds and 50,000 pounds; you have no need to worry. The final amounts will only be determined once you have applied, you have nothing to lose by trying and everything to gain if successful.

Midland Credit Services

We only provide finance for vehicles from a registered dealer. This provides security, giving you safety and protection if things go wrong.

We do not finance vehicles older than 10 years of age or vehicles that have millage over 120,000 miles on the clock. Buying a car or vehicle is an investment, high mileage or old vehicles do not make good investments.

The benefits of our service

  • We offer car finance and car leasing
  • Finance for those that are self-employed
  • Van finance and caravan finance
  • Car warranties
  • Everyone may apply, good credit, bad credit and even somewhere in between, we will aim to get you driving.
  • You can get any amount between 3,000 pounds and 50,000 pounds, depending on what you qualify for.
  • We do a credit check, however, you shouldn’t worry, as we specialize in helping less ideal credit history customers.
  • Once all the payments have been paid the car will be yours and you will be the proud owner of a car.
  • If you are battling to find the car or vehicle you want, we will gladly help you find it with our extensive range of contacts, it’s important you have what you want at a good price.
  • A deposit is not required when getting finance through us.
  • Applying online will only take you two minutes or you can call us, we respect your time.
  • Even if you have been rejected elsewhere you can still apply with us.

We even try to beat the great rates you might have received from other finance companies

Midland Credit – Car loan

  • Loan Type Car loans
  • Interest Rate from 5.99%
  • Loan Amount up to £50,000
  • Repayment 24 months to 60 months

Benefits of Midland Credit

  • Apply online within a few minutes
  • Bad credit history loan considered
  • You can get approval in 1 hour
  • We take care of the paperwork

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Buy the car of your dream with finance from Midland Credit

What you will need when applying is as expected, your driver’s license, and payslips, if you are self-employed, we will need 3 months bank statements.

You will need to be over the age of 18 years old and have full-time employment or be self-employed. All monthly payments are made through Direct Debit, we can always help you set it up if needed.

Quality car finance

At Midland Credit, we have more than 30 years’ experience arranging car finance for customers. Our team of experts makes buying a car a hassle-free experience so that you can enjoy buying that car. We are featured on many well-known names, such as The Sun newspaper, Daily Mail, The Telegraph, Motors, Auto Trader, Bing, and more.

Our 3 easy steps:

  1. Complete our easy online loan application, or call us.
  2. Your application is reviewed and we aim to get an answer to you within 1 hour, we apply a certain level of personal understanding while reviewing each application.
  3. We complete the paperwork and pay the dealer so you can get your chosen car, this is only if your application is successful. If you have not yet chosen a car and you are approved then you can tell the dealer that you have pre-approval.
man holding thumbs up

Midland Credit is a trusted & reliable provider of car loans

In our review, Midland Credit adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Midland Credit is a registered credit provider in UK: FSA 732202

Customer Reviews & Testimonials

October 2019

I received better rates than expected, I now drive a car that is reliable and affordable.

Cathy M
— Corby —

June 2019

This was a smooth experience and I am grateful for all the help and good advice.

Lenard O
— Leeds —

Midland Credit Contact

Physical Address

  • The MillHouse Business Centre, Station Rd, Castle Donington Derby DE74 2NJ United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday 09:00 – 18:00
  • Sunday 10:00 – 16:00