My Car Credit Reviews 

At the start, they offered me a very attractive APR of 9 percent. Once I found a car, they suddenly claimed the lender wouldn’t finance it because they “don’t pay VAT”, which already raised questions. When I found another suitable car, they sold me a warranty upfront, which I paid for in good faith.

They then sent the invoice to their finance company and kept me waiting for three days with no update. When I finally called this morning, all I was told was, “I’m afraid we can’t go ahead with your application at this time.” No explanation, no email, no courtesy message, and no advice on what to do next. Just a dead end.

Despite having an excellent credit score, they ran my application through multiple lenders without informing me. I now have five hard searches on my credit file, all because they kept trying different companies behind the scenes. Those searches sit on your record and reduce your chances of getting finance elsewhere.

For a £20,000 car, their commission would have been around £2,500, with £500 of that going to ClearScore for the referral. It now feels like these brokers lure you in with a low APR, run multiple hard searches without consent, and leave you worse off when everything collapses on their side.

I’ve decided to wait until March for the searches to cool down and then take out a personal loan and buy the car directly. Far simpler.

Overall, the experience was stressful, unclear, and honestly quite disappointing. Avoid this company.

The supportive staff are exceptional, helpful, attentive, and professional.

Excellent company to deal with front start to finish, catered for my every need and found loan that fitted perfectly within my budget, would highly recommend using and would use again in the future.

Very helpful and professional,

Very good simple straightforward service, Chris dealt with my application and it was very easy especially as I had my car picked out already. Everything was sorted out the next morning and my car was ready the following day.

Great Service from start to finish.

An absolute delight to deal with. So easy to apply, a friendly and knowledgeable agent talked me through the whole process, next steps and also checked in after all had gone through and I had collected my car.

Everything was done digitally, so there were no mountains of wasted paper and unpredictable royal mail to dictate how fast/slow the process would take. Digital first, so much more reliable!!

I couldn't be more pleased with the service - Thank you and a big shout out to Connor, whom I dealt with for this process.

Easy application, excellent customer service.
Recommended 👌

I has a very good experience with my car credit they helped me to get the car I was looking with good professionalism

My experience with my car credit is great, the advisers are courteous and give the best advice to suit your needs.

Great communication, fast service

Great experience

Quick decisions and hassle free. Changed car over a few times when I wasn't happy after test drive or viewing. Wasn't too much trouble. When I found the one I wanted sale was complete and car collected in 2 days. Brilliant service

I had an amazing experience. Thank you guys

good service

Professional

My experiance with My car credit was great, Connor made sure he understood my needs and budget for finance and he quickly assisted making sure it was handled smoothly and was ready to help with any further questions or worries, I had. I would highly recommend My car credit to anyone and everyone !

I worked with someone called Connor and he was so helpful throughout. He went above and beyond and after deposit went down it was only two days until the garage had full payment.