Want to apply for car finance How it Works

Our car finance application process is one of the simplest around. What’s more, our customers tell us we make the car buying journey easy and stress-free.


Crucially, rather than reeling you in with an attractive but inaccurate rate, we give you a real decision based on your personal circumstances and credit profile.

We also don’t mind if you secure your finance first or find a car and then apply. However, if you are still looking, we have a network of trusted dealers to choose from. 

With your initial application being soft search only, you’ve got nothing to lose – apply today and get a fast, online decision on car finance.

Complete an application, get a real rate

Our simple online form takes just minutes to complete, and we’ll give you an instant, online decision in principle. Where we give you a rate, this is an exact rate of finance based on the information you’ve provided.

We only do an initial soft search so you don’t need to worry about your credit file whilst you weigh up your options. Just bear in mind that should you progress, some lenders may perform a hard search on your credit file.

Catch up with your personal Car Credit Specialist

You’ll be assigned a Car Credit Specialist, who will get in contact to answer any questions, and will be on hand every step of the way. Our advisers are friendly and experienced and we get tons of fantastic feedback from customers about them!

Choose a car from any reputable dealer

This is the exciting bit! Now you know how much you can borrow, you’re ready to go car shopping. Your Car Credit Specialist can guide you through finding the perfect car from one of our trusted dealers, or give us details of the car you’ve found and we’ll check that your dealer is top notch.

Say hello to your new car!

We do all the legwork with the lender and the dealer, without it costing you a penny. Once you’ve signed your documents from the comfort of your home, in most instances the funds are transferred the next working day and you’re good to collect your car!

Representative Example

Borrowing £7,500 at a representative APR of 10.9%, annual interest rate (fixed) 10.86%, 47 monthly payments of £191.50 followed by 1 payment of £201.50 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,702.00, total amount payable is £9,202.00.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file

UK Largest Motors Review

We’re part of the UK’s largest motor finance broker, Evolution Funding. Our award-winning technology combined with our broad lender panel improves your chances of being accepted for car finance.

We have the largest panel of car finance lenders out of any UK broker. What’s more, we’ve developed special technology which matches you with the best product and lender for your circumstances. This improves your chances of an acceptance, at a rate you’re happy with.

This is completely unique to Evolution Funding, and is something we’re very proud of!

Largest Motors Portfolio

We focused on creating a quick and simple application process. Our Car Credit Specialists then handle your application right through to payout, providing advice and support where it’s needed.

Even better, we’ve built up relationships with over 5,500 reputable car dealers throughout the UK. This means we have a pool of My Car Dealers who can help you with sourcing the perfect nearly-new or used car!

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