Car Credible Launches New Car Finance Website

90% of cars in the UK are financed and we're here to help those that have taken out an agreement.

Car Credible is a comprehensive tool that identifies switching and saving opportunities on your car finance in a smart and easy way.

The car finance market is overcomplicated and we want to break it down as simply as possible so you can save money and switch to a deal that suits you better.

Through smart data science and proprietary algorithms, we’re making it so anyone can access tailored advice about their current agreement. 

Check your deal now

We aim to help car finance owners understand their true financial position to switch when the deal is good enough to change their car and save money.

How does Car Credible work?

There are three very easy steps to our product.

  1. Step 1 - Enter your information so we can provide a full analysis.
  2. Step 2 - Monitor and track your financial information and deal over time via a personalised dashboard and automated notifications.
  3. Step 3 - Our algorithm continually assesses your financial position and finds and compares the best deals from our pre-approved lenders.

Please note that Step 3 is coming soon as part of our next big product launch in the next month or two.

How Car Credible can help you

Most consumers are unaware that they are able to benefit from refinancing or terminating their contract early.
By identifying whether the consumer has positive equity in their deal - creating a mid-term renewal - we help them to identify the optimal time to re-finance or change their car early - via early termination.

As a two-sided marketplace, we also help the sellers. We are able to increase the velocity of trade-ins, car sales, and new finance agreements.

This is all part of Step 3, which as mentioned above, will be coming in the near future. We just want to help you get an understanding of what we can do for you now and in the future, once you've signed up.

Here is what our current product has to offer and how you can benefit from using each feature.


Car Finance Deal Checker

The Deal Checker is the place to go to get your free car finance appraisal. 

Here we assess and analyse your car's equity position, and on-the-road value based on its deprecation, and can clearly help you identify just how good your car finance deal actually is.

Car Finance Dashboard

Our visual and personalised Dashboard gives you all the information you need to know about your car finance deal. 

This is where you will visit every time you log in to Car Credible to keep an eye on your financial position which we automatically update monthly. 

It will help you know when you could be in a position to switch or save on your car finance in the future when Step 3 comes into play.

Car Finance Analysis

We give you full visibility of your car finance agreement, allowing you to monitor and track all your details in one place. 

This is an extension of the Dashboard and goes into more granular detail about each specific part of your finance deal.

Car Finance Calculator

Our Car Finance Calculator is perfect for planning and budgeting by helping you understand the true cost of buying a car. 

Here you can price up any future car deals you'd like to make, including the estimated price of the car, the amount of deposit you'd like to put down, and the length of time you'd like the deal to be. 

We then automatically calculate these details for you to give you an accurate idea of what you might be expected to spend now and in the future. 

We also provide snippets of advice to help save you money, whether it be by cutting off interest or by suggesting you pay a little more upfront to save over time.

Check your deal now

Car Finance Notifications

Our notifications help you stay on top of your finance agreement, allowing you to have total visibility and full control.

Our algorithm will automatically update your deal every month and will fire out notifications to you, via email and on your dashboard, so you can stay in the know about your car and finance details without lifting a finger.


Car Credible has been designed to help you, the consumer, take back control of your car finance by simply making car finance better.

We know it can be overwhelming at times, trying to work out which finance deal works for you, so we are here to do all the legwork for you so you don't have to.

Our new and improved website is cleaner, faster, and much more simple to navigate.

We don't make any money from you, this is a completely free-to-use service. 

And the best is yet to come. You can take advantage of all of our cool features mentioned above now, and in the not-too-distant future, we will be able to offer so much more to help you switch and save money. 

By signing up now, you have the opportunity to test the product yourself and understand how everything works, and when we are able to start tailoring new finance deals and offers to you, you will be the first to know about them.


What is equity in car finance?

Equity is the difference between what your car is worth and the outstanding finance you still owe on the car. If your car is worth more than the remaining balance you owe the lender, your car is in positive equity. If your car is worth less than what you still owe the lender, your car is in negative equity.

How do you calculate my early settlement figure?

Providing that the financial information and mileage you have provided us is correct, we can calculate your early settlement figure by working out your equity based on how much of your finance you have paid off and how much you have left to pay. Your mileage also helps us to calculate an accurate depreciation value.