Rating based on 30 reviews

Midland Credit


  • Vehicle finance up to £50,000
  • Low-interest starting from 5.99%
  • Repayment up to 60 months

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Midland Credit homepage

Author Midland Credit. Screenshot of Midland Credit website. [Accessed May 15, 2020]

About Midland Credit

Why not make your next car purchase a fantastic one?

You can rest assured that we have over 30 years’ experience arranging car finance and have as a result created a quick and efficient service.

With a team of experts who are always ready to help you through the process.

What we stand for

We treat our customers in a helpful, friendly manner with advisors available to answer any questions or concerns you may have.

Regardless if you have a great credit history or a very bad credit score, we offer our customers great rates to cover all circumstances.

Fast approval on car loans

At Midland Credit, we aim to approve your loan application within one hour. We are an independent company that always tries to get you the best deal for your circumstances.

Talk to us

Give us a call and here at Midland Credit to help you find the perfect car with the best rates available.

One of our professional, friendly advisors is ready to guide you throughout the entire process of getting finance for your dream car.

Midland Credit Services

Buy any car from any dealer with no fees and a fast decision within one hour.

You are not required to pay a deposit and you can apply even with bad credit. We offer a 26.9% APR representative.

What vehicles do you fund?

We are able to finance vehicles up to 10 years old, cars with a maximum mileage of 120,000 miles, and we provide funding for vans and light commercial vehicles.

No deposit needed

Not only will you find the best car finance but we also offer a no deposit option. Our easy and convenient online service makes owning your own car incredibly easy and we cater for individuals with a poor credit history. Our customers can expect a car financing option with bad credit and no credit checks.

We can help you find credit when other lenders say no

As UK car financing specialist, we are able to help a greater amount of consumers as our business model is different to those of traditional lenders and banks.

We have a proven track record

We have been providing car financing solutions for many years and have built a solid proven track record. Midland Credit usually provides an answer within one hour of receiving an application. If you are looking for a speedy service, get in touch and let us help you make your dream car a reality.

Midland Credit Product Details

  • Loan Type Vehicle finance
  • Interest Rate from 5.99%
  • Loan Amount up to £50,000
  • Repayment 24 months to 60 months

Benefits of Midland Credit

  • You can get approval in 1 hour
  • Apply online within a few minutes
  • Bad credit loan options

Even if you have bad cred, Midland Credit is your preferred lender in the UK

We provide financing to all, even if you have bad credit.

Before you apply for a car loan, we require that you meet some minimum criteria.

Minimum criteria

  • Be over 18 years of age
  • Provide proof of identification, and
  • Full time employment or self-employed or be in receipt of benefits

Why use Midland Credit for your car credit requirements

  • WE HAVE three decades worth of experience in the industry
  • BAD CREDIT and seeking finance? We can assist.
  • Additionally, WE CAN provide financing for people who have suffered CCJs
  • ANSWER provided within one hour of your application
  • NO DEPOSIT required when arranging a loan
  • HIGHLY regarded car financing company in the UK finance industry

Car loan application process;

  • Step 1
    Firstly, you are required to apply for credit. All you have to do is click on the ‘apply now’ tab and complete our quick and easy two minute online application. Alternatively, you could speak to an advisor to apply over the phone.
  • Step 2   
    Once we have received your finance application, we will process your loan application immediately and we always aim to provide you with an answer within one hour.
  • Step 3
    We will contact you by phone, text message or e-mail once we have a final answer for you and we will make all the necessary arrangements. If you already have your eye on your car of choice, we will liaise with the car dealership to inform them of your acceptance. You will then ensure that we get the paperwork over to you for signature with all the information of the next step of the loan application.

Get the car of your dreams today

The entire loan application process normally takes a few days, and you should be driving off in your new set of wheels in no time at all. We offer a pre-approval if they are still searching for the car they would like to purchase. We review all our loan application immediately and you could be approved for car financing in as little as one hour. Additionally, we handle all the paperwork and pay the dealership, making the whole process as easy as possible for you.

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Midland Credit is a trusted & reliable provider of vehicle finance

In our review, Midland Credit adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Midland Credit is a registered credit provider in the UK; FCA number 732202

Customer Reviews & Testimonials

Even with a car loan, I could not afford a brand new car, thankfully, Midland Credit allows financing for cars that are upto a decade old. Now I have a car, she may not be new but she's mine.

Britney W
— Salisbury —

I found the interest rate to be more than affordable, especially considering I didn't have to pay a deposit first.

Chas S
— London —

Midland Credit Contact Details

Physical Address

  • The MillHouse Business Centre, Station Rd, Castle Donington Derby England DE74 2NJ United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday 09:00 – 18:00
  • Sunday 10:00 – 16:00