What Credit Ltd are a Credit Broker not a direct Lender, with access to wide range of Finance Products. Our expertise in finance means we are able to help you find the best finance package available to you based on your personal circumstance and credit profile.

Car Finance

Get the car of your dreams with our fast track finance application

What Credit supply you the car finance so you can buy from any reputable UK Dealership or Private Seller.

What Credit supplies a bespoke one stop car finance service that seeks to match the best car loan package to suit you.car keys finance

When you have secured your online car loan acceptance you can take your time to shop around for the car of your choice, knowing that you have the car finance already arranged. We consider all types of situations for car credit.

So if you are looking for Car Finance, we can help you.

Here are some of our car financing details…

  • Low Rate Car Finance Packages
  • Fast Efficient Online Car Finance Application
  • Flexible Repayment Terms For Your Car Loan
  • Same Day Drive Away Car Loan Schemes
  • We Supply The Car Finance, You Choose The Car

Let What Credit help you obtain the Car Credit you need today !

We understand modern life and the stresses and strains of keeping your finances under control which is why we care about your future & not your past.

Our underwriters look at every single car finance application individually We don't just decline a car finance application because of previous credit or loan problems, we look at the whole situation to make sure taking out car finance is suitable to you and that you can afford your finance repayments without any problems & if you do find yourself in financial difficulties then we are on hand to help you throughout the whole process.

About Car Finance

With our car finance the total amount you pay back includes the cost of interest and any fees as well as the cost of the vehicle. The cost of interest and fees is given in what's called the APR (Annual Percentage Rate) as the APR is the only figure that includes all the costs involved, it's the number you need to look at when comparing deals so the lower the APR, the better.

Hire Purchase (HP) Car Finance Variation

Hire Purchase Loans are a very straightforward form of car finance. You choose the car, we accept you for car finance and we pay the dealer, You then make monthly payments to the finance company until you have paid the total amount owed. At the end of the repayment period, you take ownership of the car, it's that simple.

Falling behind with your Car Finance repayments

If you fall behind with your car finance repayments we can help as we understand anybody can suffer tempory setbacks so no need to worry when you obtain car finance from What Credit.

Simple Car Finance

  • Fixed Monthly Payments
  • Terms between 12 months & 60 months depending on your budget
  • Nil Deposit or a small deposit required

Apply Today

Applying for car finance with What Credit is easy & fast. Our online application can be completed quickly and a decision will be made within minutes.

We have access to all of the major car finance lenders on the market, which means, not only do you not have to search around to find someone to approve you, but we do all the hard work for you.

Car Finance

We understand carfinance

we know it's sometimes hard to get accepted for carfinance thats why we've got a dedicated team of experts that are to obtain your car finance from a large panel of lenders.

we understand that getting the best options for car finance is critical to you and important to us too and we always try and source local car finance companies that offer a personal touch and look at your circumstances carefully and not just says computer says no.

We've made the proccess easy too just simply go to the apply page and complete the form which will then be submitted to our team who will then seek out the best finance supplier to suit your particular circumstances.

Once this has been done, we'll notify you as soon as possible and advise you on when the finance company will call.

Hire Purchase (HP)

Hire purchase or HP is an arrangement where you hire the car from a finance company until you’ve fully paid for it. The finance company own the vehicle until the final payment is made, after which time it’s yours to keep. Hire purchase tends to require a deposit usually 10% of the car’s value. The higher the deposit, the lower the monthly payments.

Personal Contract Purchase (PCP)

Personal contract purchase or PCP is similar to a hire purchase. You’re likely to be asked to pay an initial deposit, and then monthly payments for a set period. The higher your deposit, generally, the lower the monthly payments. Even with the deposit though, monthly payments are typically lower than you’d find with a hire purchase deal or a personal loan. This is because you'll be paying off the value of the depreciation of the car, not the full value of the car.

At the end of the agreement, if you decide you want to keep the car, you’ll need to pay what’s known as a ‘balloon payment’. This covers the cost of the vehicle and transfers ownership from the finance company to you. If you don’t want to keep the vehicle, you can give it back, or start a new PCP deal and get a new car.

How to save on finance

Before taking out a car loan, you need to take into account how much you are going to spend, how much are you able afford to pay back each month and how good or bad your credit history is. The great way to compare deals is to look at the total cost of credit as this will take into account the monthly payments, and how long you'll end up paying back the finance for. One thing to be careful of when comparing finance deals is that, while extending the period may bring down the cost of monthly payments, it could also mean you'll pay more interest overall.

What is APR

Annual percentage rate (APR) is the total charge for borrowing, including any fees and charges for that lending. We will show you either an exact APR or a representative APR. Exact APR means the rate you see will be the rate you get. Representative APR is an advertised rate that at least 51% of people who are accepted for the product will pay.