Car Finance in Belfast
Rates from 9.9% APR.
Representative APR 10.9%
Part of Evolution Funding, the UK’s largest motor finance and technology provider.
Looking for car finance in Belfast? My Car Credit has you covered. Whether you need a compact car to nip around the Cathedral Quarter or something sturdy to tackle the Antrim Coast Road on weekends, the right plan makes all the difference.
This is where we excel. We connect Belfast motorists with trusted local lenders and dealerships. What does this mean for you? Competitive rates, tailored plans and access to vehicles that suit life in Northern Ireland.
Finance a car with My Car Credit and enjoy:
Fast online application
Soft credit check
Competitive rates
Tailored advice
Why choose car finance in Belfast?
Here’s why choosing car finance in Belfast is a great way to get behind the wheel in the capital:
Convenience
Why wait years to buy your dream car when it could still feel out of reach? Car finance lets you pay in fixed monthly amounts. Whether you’re visiting the Titanic Quarter, enjoying St George’s Market or escaping to the Mournes, finance keeps you driving without draining your wallet.
Local dealerships
We partner with thousands of trusted dealers, including those in Belfast and nearby spots like Lisburn and Glengormley. From trusted family-run showrooms to larger dealers offering the latest models, we make sure you have plenty of options.
Tailored solutions
Belfast drivers are a motley bunch and have different needs. Maybe it’s a small car for navigating city traffic or a rugged SUV for rural trips. Whatever the situation, we’ll match you with a car finance plan in Belfast that fits the bill.
How My Car Credit simplifies car finance
We take the hassle out of securing car finance in Belfast. Here’s how:
Simple application – Our online form takes only minutes. No stress, no fuss.
Soft credit check – Explore options without worrying about your credit score.
Expert guidance – Our Belfast team is ready to help, offering advice and support throughout.
Poor credit car finance in Belfast
Not everyone has a perfect credit score, and that’s okay. At My Car Credit, we specialise in finding car finance in Belfast for all applicants. Yes, even those with financial challenges.
What is poor credit car finance?
Poor credit car finance helps people with low credit scores. Maybe you’ve missed payments, have a CCJ or haven’t built a credit history yet. Specialist lenders step in when high street banks say no. We work with these lenders and look at your current situation, not past issues or mistakes.
Why My Car Credit can help
Local dealerships often skip over people with poor credit. We work with specialist lenders offering fair, affordable deals. Whether you’re in Belfast or over in Newtownards, we’ll help you sort things.
It all comes down to flexibility. Need shorter repayments to own the car quicker? Or prefer smaller monthly payments to keep things steady? The choice is yours.
And when we say fair, we mean it. No hidden fees, no nasty surprises. Everything, from rates to schedules, is clear as day. It’s all about keeping things simple, so you can get on with enjoying the open road (or the Falls Road) depending on your plans.
Eligibility for car finance in Belfast
Applying for car finance in Belfast is straightforward. Here’s what you need:
- Be at least 18 years old and a UK resident.
- Have a regular income from employment or self-employment.
- Provide proof of identity, address, and income.
Even if you’re new to credit or unsure of your eligibility for car finance, we’re here to help.
What you need to apply
Gathering the right documents makes the process smoother:
- ID: Passport or driver’s licence.
- Proof of address: Utility bill, council tax bill, or bank statement.
- Proof of income: Recent payslips or bank statements.
- Bank details: Required for setting up payments.
Once you’ve got everything ready, applying for car finance in Belfast takes only a few minutes.
Car finance options
At My Car Credit, we offer car finance plans to suit all needs. Here’s a closer look at some of the most popular options:
Personal contract purchase (PCP)
Lower monthly payments with flexibility at the end. Return, trade or buy the car outright.
Hire purchase (HP)
A straightforward plan where you own the car once all payments are made.
Personal contract hire (PCH)
Great for drivers who like upgrading every few years without committing to ownership. For example, PCH is great if you want to get behind the wheel of the latest EVs. The network of EV charge points in the capital and across Northern Ireland is rapidly expanding, making EV ownership increasingly appealing for Belfast motorists.
Not sure what plan is right for you? Our team will match you with a lender and plan based on your needs and budget.
How it works: 3 easy steps
We’ve made car finance simple for Belfast residents.
Submit your online application
The form takes only a few minutes to complete, and the soft check means your credit score remains untouched.
Choose your car
Choose from thousands of trusted dealers. Whether it’s a compact runabout to dodge traffic on the Malone Road or a practical family car for weekends at Belfast Castle, the choice is yours.
Drive away
Once approved for car finance, we handle the paperwork. You collect your car and hit the road.
Benefits of using My Car Credit
We understand that applying for car finance can sometimes feel overwhelming. That’s why we’ve worked hard to make the process as smooth as possible. From our user-friendly online tools to our helpful support team, everything is designed with you in mind.
Here’s why Belfast residents trust us:
- Access to top lenders – Our wide network ensures we find the best deals.
- Trusted dealer partnerships – Our trusted dealer partnerships include options right here in Belfast, ensuring you don’t have to look far to find reliable vehicles.
- Transparent terms – No hidden fees. Just clear, upfront details.
- Quick and easy process – From start to finish, we keep things simple.
Apply for car finance in Belfast now
Ready to get behind the wheel? My Car Credit makes car finance in Belfast simple and hassle-free. First-time buyer? Credit history not perfect? No problem. We help Belfast drivers find the right car finance, no matter their situation.
Here’s how to get started:
Complete our online form
It only takes a few minutes. You won’t need to dig out piles of paperwork, and because we use a soft credit check, applying won’t impact your credit score.
Crunch your numbers with our car finance calculator
Not sure how much you can afford? Our free calculator helps you estimate your monthly payments based on your budget. It’s an easy way to explore your options before you commit.
Speak to our friendly team
Have questions or need advice? Our dedicated car finance specialists are just a call 01246 458 810 or email enquiries@mycarcredit.co.uk away. They’re here to guide you through the process, explain your car finance options and make sure you feel confident every step of the way.
Apply for car finance in Belfast now
Ready to get behind the wheel? My Car Credit makes car finance in Belfast simple and hassle-free. First-time buyer? Credit history not perfect? No problem. We help Belfast drivers find the right car finance, no matter their situation.
Here’s how to get started:
Complete our online form
It only takes a few minutes. You won’t need to dig out piles of paperwork, and because we use a soft credit check, applying won’t impact your credit score.
Crunch your numbers with our car finance calculator
Not sure how much you can afford? Our free calculator helps you estimate your monthly payments based on your budget. It’s an easy way to explore your options before you commit.
Speak to our friendly team
Have questions or need advice? Our dedicated car finance specialists are just a call 01246 458 810 or email enquiries@mycarcredit.co.uk away. They’re here to guide you through the process, explain your car finance options and make sure you feel confident every step of the way.
Frequently asked questions
Can I get car finance in Belfast with no credit history?
Absolutely. First-time buyers or those without a credit history often think they have no options. That’s not the case. Our specialist lenders focus on your current finances, not your lack of history. Everyone starts somewhere, and with the right plan, you’ll be driving in no time.
Am I eligible for car finance if I’m self-employed?
Yes, self-employed people can get car finance. Just show proof of income, like bank statements or invoices. Whether you’re running a café in the Queen’s Quarter or freelancing from home with a cuppa, self-employed folks can apply too. You keep the wheels of Belfast’s economy turning. Why not have a car to match?
Do you provide car finance for private sales in Belfast?
We do. If you’ve found a vehicle privately, we can help arrange car finance, provided the vehicle meets our criteria. The car must pass all necessary checks, including age, mileage and condition.
What happens if I miss a payment?
Missed payments can leave a mark on your credit file, so it’s important to act quickly. Call your lender as soon as possible. They may help with a solution to get you back on track.
How accurate is your car finance calculator?
Very accurate. It gives you a solid estimate of what your monthly car finance payments could look like. Final terms may vary depending on the lender, but the calculator is a great starting point. It’s the financial equivalent of checking the weather before heading out – handy, reliable and keeps surprises to a minimum.