4.9 stars - based on 215 votes

About Us

Midland Credit Ltd is one of the UK’s most established Vehicle Finance Brokers.

Our aim is to give all of our customers a fantastic experience when arranging finance for their next vehicle purchase.

Each year we approve over £400 Million worth of vehicle finance applications for Cars, Commercial Vehicles & Caravans. We offer competitive finance deals with zero deposit required from our extensive panel of lenders and we do not charge any Admin Fees for our service.

We believe customers from all walks of life should be able to access vehicle finance at competitive rates, tailored for their individual needs. We have a simple process where customers can get a genuine finance decision in less than 1 hour without any impact on their credit score. Furthermore, once approved they can purchase a vehicle of their choice from any dealer they choose, giving total flexibility.

We deal with many reputable and established finance lenders which means we have options for all credit types and employment types, we will always offer you the best deal from our full panel of lenders.

Since setting up with independent review site Trustpilot in May 2014 we have gained over 6,000 fully verified 5 Star reviews, showing our no-nonsense approach together with the high standard of service from our finance advisors puts us second to none.

For your peace of mind, we are fully licensed with the Financial Conduct Authority License No. 732202 and fully comply with the data protection registry, Registration No. 3488060.

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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.