Rating based on 29 reviews

My Car Credit

  • Car loans up to £50,000
  • Low-interest starting from 6.9%
  • Repayment up to 5 years

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Author My Car Credit. Screenshot of My Car Credit website.
[Accessed September 8, 2021]

About My Car Credit

We here at My Car Credit are not a lender but a broker, which means more options and less work for you!

We have helped, and are still helping, many get car finance. Cars are an important part of our lives and we want you to not only have a car but have the car you want. Our easy online application will get you driving in no time at all.

Let us find the right loan

We have a large panel of lenders and we will always take your circumstances into account to try and get you the best deal. Our easy online application will tell you the rates you will receive, with no unpleasant surprises later on with higher rates than originally implied. The rates you may receive will be a minimum of 6.9% APR and the maximum you will receive is 23.9% APR.

My Car Credit Services

We have received awards 4 years in a row and we will continue in that excellence that made us stand out. Here are some of the services we offer and things you should know about us.

 Get a guick car loan

  • Car finance available with rates as low as 6.9% APR
  • Representative rates 23.9% APR
  • When applying online you get an instant, accurate decision
  • There is no impact on your credit score when applying
  • You can choose from any dealer you want; we have a good reputation with over 4,500 reputable car dealerships.
  • People with bad credit history are welcome to apply
  • A 3-minute online application
  • If you have a CCJ you may apply, consider our guarantor option

My Car Credit – Car loan

  • Loan Type Car loans
  • Interest Rate 6.924.6% p/a
  • Loan Amount up to £50,000
  • Repayment 3 years to 5 years

Benefits of My Car Credit

  • Apply for vehicle finance if with a poor credit history
  • Lower interest rates
  • Apply online and get a fast decision
  • Choose your dealership

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.

Our list of services are all carried out in excellence

When you first apply, we do a soft search on your application, this does not affect your credit score.

There is no obligation or fee attached to the soft search, you may take that information with you if you choose not to proceed with us.

Apply online today

When applying online we will ask for some basic information like your name, address, DOB, contact details, employment details and history, etc. You will then receive an instant reply which will show on the screen and will be emailed to you.

We want your car buying process to be simple and smooth, hassle-free and pleasant. That is why, with our finance calculator, you can choose the amount and the time you want to pay it back in. When buying a car with us and getting the personal loan you need with our help, you will not need to worry about how many miles you drive every year, we do not have a mileage limit.

We know that buying a car is probably the second most expensive thing you will buy, with your house being the most expensive. Both are a necessary investment and we want to ensure you get the right car for you; we want to help you make the right investment into your future.

Information to keep available when applying

When you make your application online you will need the following information available to ensure that your time is not wasted looking for things once you start applying.

We will need your full name, date of birth, marital status, address and address history for the last 3 year, and a scanned picture of your driver’s license, a selfie of you holding your driver’s license, proof of employment and earnings and your banking details for the account the money will be paid from each month. The account needs to be in your name or have a joint account if you have a joint account with your spouse, we may need some details from them as well. Young applicants may submit a guarantor’s information at the same time when they submit their own.

We have some basic legal limitations

  1. You must be 18 years old but not over 75 years of age.
  2. You need to be a resident in the UK for 3 or more years.
  3. A good credit score is favourable but we will still look at poor or even bad credit score applicants.
  4. The car may not be older than 8 years old and when the finance period ends the car may not be older than 12 years.
  5. You need to be employed or able to prove your income with 3 months of bank statements or payslips.
  6. If you are retired and can prove your income you may still apply with very good chances.

There are more options available to you, check us out and apply.

We strive to make it easier for you

We will not take the joy away from you if you wish to do it alone, without our assistance. We have no hidden costs and our calculator will show you exactly what to expect. Our team has tremendous experience in the field and this makes them able to assist you in finding the right car, at the right price. You do not have to get finance through a dealer, nor be rejected for the finance in person after looking at the car you want.

man holding thumbs up

My Car Credit is a trusted & reliable provider of car loans

In our review, My Car 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.

My Car Credit is a registered credit provider in UK: FSA 823324

Customer Reviews & Testimonials

December 2019

I was delighted at the options and the ease applying was. The helpful personal made the experience pleasant

Charlie M
— Dover —

December 2019

With everything online, I didn’t have to worry about losing something

Heather K
— Milton Keynes —

My Car Credit Contact

Physical Address

  • Evolution House, Smeckley Wood Cl Chesterfield S41 9PZ United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:30 – 19:00
  • Tuesday 08:30 – 19:00
  • Wednesday 08:30 – 19:00
  • Thursday 08:30 – 19:00
  • Friday 08:30 – 19:00
  • Saturday 09:00 – 17:00
  • Sunday 09:00 – 16:00