My Car Credit

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

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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.

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 Consumer Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ My Car Credit is a registered credit provider in UK: FCA number 823324