Rating based on 42 reviews

What Credit

  • Low-interest starting from 6.85%

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Author What Credit. Screenshot of What Credit website.
[Accessed April 25, 2020]

About What Credit

Do you need a car, but you cannot buy it cash from your own pocket? Then you are like most people needing car finance.

We work around your budget to ensure payments are affordable and you get the car you need quickly.  We provide a variety of options, including the same day loan scheme. We offer credit to people with good credit history and bad credit history, self-employed or those living from benefits.

Hassle-free car loans

We want to make the whole experience of buying a vehicle hassle-free, starting with a no-obligation quote and flexible finance options to suit you. Because we are a credit broker, we can search for the best rates for you saving you time and avoiding frustration. All you need to do is fill in our easy online application form, following the simple steps. You may choose a vehicle from any reputable dealership; you can have the car you want. Whether it is a van or a motor home you have always wanted, we can offer you affordable finance. If you want a motorbike or a caravan, we have got you covered.

We can find the best car loan deal

Every case is taken under advisement and looked at, your personal circumstances and situation are taken into account. We want to get you the best deals and offers available, that’s why we have a group of lenders that we can go to with the intention of getting you the best rates available. We work hard to get your answers quickly and efficiently as we know waiting is horrible. We do not charge you for this service of doing the grudge work, we may, however, get a fee from the lender you chose at the end of the day.

What Credit Services

With WhatCredit you will not just be a number, but a person. You will also be pleased to know we do not charge for our services.

We may, however, receive a fee from the lender that you choose to get finance from. Your monthly payment will need to be paid via Direct Debit.

Plans for late payment

If you pay late there will be an additional charge and if letters or other reminder or action is taken, a charge will be added to your account. We advise that if you know you will be paying late to contact your lender and notify them immediately if you miss your payments this can result in legal action being taken against you and this will affect your credit score in a negative way. Please ensure you can afford the payments before you agree, and take finance.

Get a fixed interest rate

Fixed interest rates do apply and depending on how good your credit score is, your rates will be influenced accordingly. The better the score the better the rates available to you. We do not only review applications of those with good credit scores but also those with less than optimum scores. Good, bad and everything in between can apply, we will try to help everyone. The interest rates can vary from a great 6.85% APR representative rate to a 49.9% APR. Don’t miss out, apply for your vehicle finance today!

What Credit – Car loan

  • Loan Type Car loans
  • Interest Rate 6.8549.9% p/a

Benefits of What Credit

  • CAR Loans
  • PERSONAL Loans
  • QUICK Loans

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.

Let What Credit find the ideal loan for you

Some of the great things about getting finance with us

  • Knowing how much you can spend helps you budget better so you don’t bite off more than you can chew
  • Shop for cars as a cash buyer, knowing you have the money already in place
  • No impact to your credit score, no worries about a footprint left behind for others to see
  • We can help if you have been declined for finance in the past
  • If you have a poor credit history/score we can assist
  • Even if you are not on the voter’s roll
  • If you are employed or self-employed
  • Or if you are on a low income or get benefits
  • We have low rates starting at 5.1% APR
  • We finance cars, vans, caravans and motorcycles
  • No obligation quote, you are free to decide
  • With easy online loan application broken down into simple steps

When using our easy online application for finance you will need your personal details at hand while going through the steps.

What you need to apply

  • You need to be over the age of 18 years old and have a valid drivers license.
  • You may not be currently bankrupt if you are you will not qualify.
  • You need to have lived in the UK for at least 3 years and have residency.
  • You must be able to afford the loan you are applying for.

Customer Reviews & Testimonials

November 2019

They really keep it simple, doing the heavy lifting

Carl G
— Swindon —

July 2019

I can say they really helped me. I was desperate and they assisted and got me better rates than expected

Phil G
— Blackpool —

What Credit Contact

Contact Number



  • not available

Physical Address

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 10:00 – 16:00
  • Sunday – Closed