Rating based on 41 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 September 4, 2019]

About Midland Credit

With so many vehicles available on the market, how are you supposed to know if you are making the right decision?

Especially if you are a first-time buyer, getting the right finance for the vehicle that you want can be daunting.

Midland Credit: making choices simpler

Buying a car is supposed to be an exciting time; not a time for a migraine. With over thirty years under the belt, Midland Credit aims to provide our customers with efficient service and informed decisions about their vehicle finance needs. Because we are a broker, we are not restricted to one lender which means that we can broaden our search to give you the best options for your financial situation.

How does the application process work?

Get the instant finance that you need all within three easy steps. Simply go to our website and complete the two-minute application. Once we have received the application we will give you a response within an hour. If you have been approved we will contact you and the dealer of your choice to get all the paperwork on the roll.

Midland Credit Services

Midland Credit was voted the UK’s most trusted credit broker so trust us when we say that we can get the finance that you need.

Whether you want to purchase a new car, bike or van we can make all the necessary arrangements for you in a flash.

Car loans for bad credit

Do not let the past hold you back – we see our customers as more than a credit score on a piece of paper. In fact, we specialize in providing credit to individuals who have bad credit histories. With us, you can access finance from £3,000 to £50,000 repayable over a period of two to five years.

You can get an affordable interest rate

The interest rate that you are given will depend on your financial circumstances but we make it our priority to provide the fairest rates possible. Once you have been approved, you will be able to purchase a car from any dealer with little to no deposit required.

Midland Credit Product Details

  • Loan Type Vehicle finance
  • Interest Rate 5.99 – 26.9% p/a
  • Loan Amount up to £50,000
  • Repayment 24 months to 60 months

Summary of Services

  • Bad credit is welcome
  • Repayment terms that suit your budget
  • Quick approval

Apply for affordable vehicle finance today

Sometimes a smile and a good word are all that’s needed in a tough situation.

If you find yourself in a jam, our trained customer support team will be able to sort you out in a jiffy. There is more good news: if you have a poor credit record, you can improve your current credit score!

What documentation will I need when I applying?

When applying for one of our loans, you will need to provide specific documentation before you can be approved. This documentation includes copies of your birth certificate and driver’s license as well as proof of income. Additional documentation may be requested in some cases.

Did someone say ‘friendly service’?

Our effective and efficient customer support team is poised to answer your call to clarify any concerns or questions that you might have. To get into contact with us simply contact us telephonically or via email and we will get back to you. Our team consists of specially trained advisors to ensure that you make the best decision for your current financial situation. We will never grant you long term or short-term finance if we are certain that you will not be able to cope with the repayments.

Can this type of finance improve my credit score?

If you have a bad credit record and have been approved for a loan with one of our registered lenders, then you stand the chance of improving your current credit record. If you are able to meet all monthly repayments without any problems then the lender will report that you are creditworthy by the end of your finance period. This way, if you apply for credit again in the future, lenders will be more likely to grant you credit and you will receive better rates than before.

Customer Reviews & Testimonials

March 2019

I appreciate how hassle-free their loan was. It was quite flexible

Scott P
— Salisbury —

May 2019

Midland Credit doesn't waste any time when approving your loan

Dan J
— Durham —

Midland Credit Contact Details

Contact Number



Physical Address

  • Millhouse Business Centre Station Road Donington Derbyshire DE74 2NJ United Kingdom
  • Get Directions

Opening Hours

  • Monday 9:00 – 18:00
  • Tuesday 9:00 – 18:00
  • Wednesday 9:00 – 18:00
  • Thursday 9:00 – 18:00
  • Friday 9:00 – 18:00
  • Saturday 9:00 – 18:00
  • Sunday 10:00 – 16:00