About Car Credible

We're helping people get into better and more cost-efficient car finance deals

Car Credible is a fintech company on a mission to help improve people's car finance. We provide financial services, including simplifying the process of refinancing car finance debt, helping users access fair interest rates based on their existing credit and allowing people to finance their dream car in the simplest way possible.

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What is Car Credible?

Founded and launched in 2020 by Jae Chalfin and Niall Hughes, Car Credible's proprietary platform enables consumers to refinance existing car loans to reduce their monthly payments or lower their APR, and renew an existing finance deal or take out new finance to get into their dream car.

Car Credible Wants to Help People Improve Their Finances

Whether you need a car for the school run, the weekly shop, to look after family and friends or you simply want something to show off, we know car finance can be overcomplicated and many don't know whether or not they are in a good deal. That's why we created Car Credible, to make car finance simple, accessible and affordable for all, no matter what your background is or what you need a car for.

Car Credible Wants to Help People Improve Their Finances

How Car Credible Works

Car Credible works to help you understand your car finance deal and make informed decisions about your existing and future deal. Our advanced algorithm continually assesses your car finance position, keeping you up to date throughout your agreement. We want to help you get the best deal to suit your circumstance and are not tied to any dealers or finance companies.

  1. Sign up Using Car Credible's Car Finance Deal Checker

    Simply enter your registration and mileage and then your car finance details. Once you've done this, create your account to view your deal in full.

  2. Check your Car Finance Deal

    Your personalised dashboard will let you know all the details of your current deal, as well as give you a clearer idea about whether you could renew your existing finance deal or refinance into a new agreement.

  3. Get Approved

    We will regularly update you about whether you could renew or refinance your car finance deal, and when possible, you can click through to see the car finance offers available to you.

Our Finance Partners

  • CarFinance 247
  • CarMoney
  • Oodle
  • Advantage
  • Money Barn
  • Blue Motor Finance

Meet Jae and Niall

Jae ChalfinJae Chalfin

Jae Chalfin

Co-founder and CEO

Jae is an entrepreneur with vast experience in managing businesses all the way through to a PLC. His skill areas lie in business development, marketing strategy, digital marketing and digital strategy.

Niall HughesNiall Hughes

Niall Hughes

Co-founder and CTO

Niall is a process-driven manager with vast experience in information security, airlines and digital media. He has a background in software development, and a proven track record in leading and developing innovative, global cloud-based solutions for high-quality engineering teams.

Contact Us

If you would like help with adding your finance deal to the deal checker, are unsure about the application process or just need some general information or guidance, please don't hesitate to contact us and we will get back to you as soon as possible.

About Car Credible FAQs

Will Applying for Car Finance Affect my Credit Score?

Getting a free, no-obligation quote will in no way impact your credit score. Once you get your quote and see your offers, you can apply for finance. Applying for finance means the lender you opt with will perform a hard credit check on your credit file to check your full credit history. Your credit score may be affected at this stage, particularly if you get rejected.

How Long Does it Take to get Car Finance?

Getting car finance is a quick process. You can retrieve your free, no-obligation quote by filling out our car finance form in just a few minutes. Once you see your offers, you can apply for finance. At this point, it can take as long as you want it to. If you are responsive to your finance broker and provide them everything they need as soon as possible, you could have your new finance deal in a couple of days.

Do I Need to do Anything During the Process?

Once you apply for finance, you will be allocated a dedicated account manager who will seamlessly guide you through the process. All you have to do is provide your account manager with the required information and your finance application will be complete before you know it.

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How Car Credible Works

Car Credible identifies the optimal time to sell, refinance and renew your car finance deal, allowing you to get a newer car.

Car Credible Limited is authorised and regulated by the Financial Conduct Authority, FRN 942784 for credit broking. In respect of consumer credit activities, Car Credible Limited acts as a credit broker, not as a credit lender.

Car Credible Limited provides a free service with no charge to the customer. We will, however, receive commission payments from the credit broker we introduce you to. We will only receive commission payments when finance is taken out. This may be a fixed amount per finance agreement taken out or a fixed percentage of the amount lent. The specific amounts or percentages will vary depending on the type of product you take out. For more information on our services and how they work see our terms and conditions.

Registered office: Ye Olde Hundred, Church Way, North Shields, England, NE29 0AE. Car Credible Limited is registered with the Information Commissioner's Office (registration number ZA751750). Our trading address is Soho Works, 2 Television Centre, 101 Wood Lane, London, W12 7FR, United Kingdom.

© Car Credible 2020. All Rights Reserved. v7.14.6.