Rating based on 29 reviews

What Credit


  • Vehicle finance up to £50,000
  • Low-interest starting from 6.85%
  • Repayment up to 60 months

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What Credit homepage

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

About What Credit

In association with Money.co.uk, What Credit loves nothing more than offering consumers car finance options that cater to their specific needs and vehicle requirements.

Thus, our customers can rest assured that they will be matched to a finance package that suits their profile and requirements.

Reputable panel of lenders

How we achieve finding the best vehicle financing option for you is by searching our panel of lenders to find you the best car finance deal available based on the information that you have provided during your loan application.

It also provides you the freedom to choose your new vehicle from any reputable UK dealer, making the reality of owning your own dream car a possibility.

We can help even if you:

  • Have been declined for finance in the past by other traditional lenders or banks
  • Have a bad credit history
  • Are employed or self employed
  • Are on a low income or get benefits, or if you are not on the voters roll

What Credit Services

Helping thousands of people get the financing they need in the UK.

Low rate car finance packages

You cannot find rates better than this. Our rates are competitive and start at just 5.1% APR, making us almost unbeatable when it come to the best rates on loans in the UK.

Fast efficient online car finance application

Our team ensure all applications are dealt with quickly and efficiently, ensuring you get the car of your dreams in the shortest time possible.

Flexible repayment terms for your car loan

Your budget allows you to make repayments that are affordable.

Choose the car from any UK dealer

Once approved, you can buy from any reputable UK dealership, leaving you with endless options when it comes to choosing your dream car.

Finance for good and bad credit profiles

We can help even if you have CCJ’s, arrears and defaults. No matter what your current financial situation, we would like to help you every step of the way.

Same day drive away car loan packages

We are able to arrange everything quickly, allowing you to possibly drive off with your dream car today.

What Credit Product Details

  • Loan Type Vehicle finance
  • Interest Rate 6.85 – 29.9% p/a
  • Loan Amount up to £50,000
  • Repayment 6 months to 60 months

Benefits of What Credit

  • PERSONAL Loans
  • PAYDAY Loans
  • CAR Loans

Convenience for our customers is at the heart of everything we do

Apply online today for a quick no obligation approval with flexible finance options that are available to suit your car finance requirements.

All you have to do is go online and complete our simple car loan application form, which should only take up a few minutes of your time. 

Minimum requirements

In order to qualify for finance, you are required to meet the following minimum requirements.

  • Be 18 or over
  • Have a valid driving license
  • Not be currently declared bankrupt
  • Have lived in the UK for the last 3 years
  • Be sure you can afford the repayments

Other vehicle finance options available

What Credit leaves you spoilt for choice with our wide range of finance options available for almost any type of vehicle. Apply today or call us for more info.

  • CAR finance
  • CARAVAN finance
  • MOTORBIKE finance
  • VAN finance
  • PERSONAL loans
  • ASSET finance

Why choose What Credit?

Our greatest pride is treating every case and loan application individually. By taking into consideration every customer’s unique circumstances, we are able to assist more people with getting the car they need and want.

Financing for any type of vehicle

Are you looking for a car, motorbike, van or caravan? No matter the form of vehicle, we are here to help make sure you get approved for finance quickly. Our hassle-free approach makes the process of owning your own car or other type of vehicle as easy as it could possibly be.

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What Credit is a trusted & reliable provider of vehicle finance

In our review, What 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.

What Credit is a registered credit provider in the UK; FCA number 673990

Customer Reviews & Testimonials

WC by far has the lowest interest rates on car loans I have found to date. I will continue to use and recommend them.

James R
— Salisbury —

The flexible repayment terms are suitable for any budget.

Mohammad H
— Galway —

What Credit Contact Details

Contact Number


  • not available


Physical Address

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 10:00 – 16:00
  • Sunday – Closed