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How It Works

It's as
simple as ...

You can do this by clicking the ‘apply now’ button and completing our brief 2-minute application, or you can speak to an advisor by calling 03339 000 000.

We’ll review your application as soon as we receive it and strive to have you
Approved within an hour.

When a decision has been made, we will contact you by phone, text or email.

Chosen your Vehicle?

We will notify the dealer of your acceptance and email you the documents for signing with details of your next steps.

Not chosen your vehicle yet?

You can now go car shopping and tell the dealers you’re pre-approved for finance!

Watch Our Video

Not sure how it works? Find out in our video!

Calculate your repayments with our
Finance Calculator

Relax you're in good hands!

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.