Best Car Finance Companies in the UK?

So, you’ve decided to take the plunge and start looking for a new (or new to you) car. You’ve chosen to hold onto your hard-earned savings and opt for car finance instead. You certainly won’t be alone – over 90% of cars are now bought on finance in the UK.


You have various options available to you on how to finance a car. From going through the car dealership to applying online, there are plenty of ways to go. Whichever way you choose, it will ultimately be a car finance company that looks after you.

What do car finance companies do?

In a nutshell, car finance companies (or lenders) loan you the money to buy your car. They can often be part of a much larger organisation, such as a bank or car manufacturer. However, many of them are also independent businesses.

Whether you apply through a dealer, a broker or online, it is the finance company that you take out an agreement with. Furthermore, it is the finance company who owns the car until all payments have been made on the agreement.

There are many different finance companies across the UK. What’s more, they tend to focus on a particular area of the car finance market. For example, some finance companies specialise in helping customers who have poor credit. Others prefer to focus on good and excellent credit.

Introducing our panel of car finance companies

Being part of the UK’s largest car finance broker, Evolution Funding, My Car Credit has access to one of the largest selections of car finance companies out of any broker. Over the years, we’ve built up great relationships with these companies so that we can offer customers the best choice.

In addition, we’ve created market-leading technology that makes it easy for customers to get a quick decision on car finance. And because we have so many car finance companies on our panel, we can assist customers with all types of credit profile, from excellent and good through to poor and bad.

Read on for a bit of insight into many of the car finance lenders we work with.

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