4.9 stars - based on 215 votes

From £3,000 – £50,000

26.9% APR REPRESENTATIVE

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Complete our Simple Application Form and we will review your application. We aim to get you Approved in less than 1 hour with no impact on your credit score.

We aim to get you Approved in less than 1 hour with no impact on your credit score.

Once approved, you can start looking for your new vehicle or your Dedicated Car Finance Advisor will be on hand to help you search.

Once Approved, you can start looking for your new vehicle.

Your Dedicated Advisor will assist you with the paperwork and ensure the funds are paid to the dealership swiftly so you can collect your new vehicle ASAP.

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Why use us?

'Over 6,000 5 Star Reviews
on Trust Pilot and growing!'
'Dedicated Finance Advisor from start to finish'
'FREE Valuations with Glasses Guide'
'FREE HPI Check on all the vehicles we finance '
'Extensive panel of lenders to increase approvals '
'All credit histories welcome'
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We often get asked...

All circumstances are considered.  Whether you are employed, self-employed, retired or receive some of your income through benefit payments, as long as your monthly income after tax is £1,000 or more, we have lenders that will consider your application.

Some lenders in our panel, are also able to assist customers who have a poor credit history, are currently in an IVA or have previously been bankrupt.

All circumstances are considered.  Whether you are employed, self-employed, retired or receive some of your income through benefit payments, as long as your monthly income after tax is £1,000 or more, we have lenders that will consider your application.

Some lenders in our panel, are also able to assist customers who have a poor credit history, are currently in an IVA or have previously been bankrupt.

When applying for finance, the lenders that we work with conduct a soft credit search, which will only be visible to you, but not other finance providers.  The good news is that these searches will not affect your credit score.

We work with lenders that can offer finance between £3,000 and £50,000.  Your credit limit is determined by the lender with no need to provide income proofs in most cases and this will be confirmed by your dedicated finance advisor.

In almost all cases, a deposit is not required to finance a vehicle, however, a deposit or part exchange can be used if you want to reduce the amount that you borrow and your monthly payments.

Midland Credit are a specialist vehicle finance broker and use a panel of lenders with products to suit all credit circumstances.  This does not mean that credit is guaranteed, although, we have one of the highest approval rates in the motor finance market.

We can provide finance for vehicles from thousands of licenced dealerships in the UK and Northern Ireland.  We will, of course, check that the dealership is reputable before you proceed so that you have a smooth buying experience.

Midland Credit does not charge any fees for arranging your finance as our service is free of charge.  Our income is generated through a commission that we receive from the lender when a finance agreement is taken out.

The lenders that we work with offer finance on a Hire Purchase or Conditional Sale agreement where the whole cost of the car is split across a series of fixed monthly payments, typically spread over two to five years. You will own the vehicle as soon as you’ve made the final payment at the end of the finance agreement.

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