This car finance eligibility service is provided by Motiv Finance.
When you click Check my eligibility, you will be directed to Motiv who will help you find personalised finance deals. The data you supply will be directly submitted to Motiv and be used to generate loan quotes from Motiv's panel of lenders.
My Car Credit Car Finance FAQ
Who are My Car Credit?
My Car Credit is a brand of Evolution Funding, a major UK motor finance provider that first launched back in 2002. It was in 2015 that My Car Credit appeared on the car finance scene, aiming to help customers find suitable car finance products online. Based in Chesterfield, My Car Credit is a broker with access to a panel of lenders which can provide a range of finance options for purchasing a vehicle.
What car finance does My Car Credit provide?
My Car Credit can source Hire Purchase, and Personal Contract Purchase (PCP). They will help to determine which car finance solution best meets your requirements.
If you choose a Hire Purchase or PCP deal, you won’t own the car until you make all the repayments.
How much can I borrow from My Car Credit?
My Car Credit can provide wide-ranging amounts of car finance across longer and short term periods.
The amount you are eligible to receive, and the APR on the loan, will vary according to your personal circumstances, your credit history, the car finance option you choose, and the amount you plan to borrow.
Who is eligible for My Car Credit car finance?
Any UK resident aged over 18 years old and under 75 years old is eligible for My Car Credit car finance. Applicants should also be in stable employment or be retired, with a stable income that will enable them to make the repayments.
Can I get My Car Credit car finance with bad credit?
Yes, you can. Although the better your credit score, the more likely you are to be accepted for car finance and receive the most competitive rates, you may still be able to receive car finance with a poor credit history. Individuals that have a County Court Judgement (CCJ), an Individual Voluntary Arrangement (IVA), or have had other financial troubles may find it harder to get car finance, but My Car Credit may still consider their applications.
My Car Credit have some possible options to help anyone with bad credit secure car finance, such as guarantor car finance, but they will decide eligibility on a case-by-case basis.
Can I get any vehicle with My Car Credit car finance?
Cars should be within the maximum age requirements set by My Car Credit at the start and end of the agreement.
If you have poor credit, you may be more limited in the age of the car you purchase.
What information do My Car Credit need with a car finance application?
To make a decision on any application, My Car Credit will need your personal and financial information, including your employment details and annual income.
You can find a car before applying for finance, or sort out your finance first before choosing a car.
Is My Car Credit trustworthy?
My Car Credit is a trade name of Evolution Funding Ltd, a broker that is authorised and regulated by the Financial Conduct Authority (FCA).
Services offered by this provider may change over time. Always check Ts&Cs.
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