Get Approved For A Car Subscription – Our Full Guide

At mycardirect we’ve streamlined the application process as far as possible. Simply browse our fantastic selection of cars, find the one that’s right for you, select your term and mileage package, and place your order online in minutes.

Once you’ve placed your order we’ll just need a few more details from you, so we can approve your application. Read on to find out all the details of what we’ll need from you, how to get your documents over to us, and why we need them.

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How the process works

When you apply for a vehicle you consent to a credit check so that we can make sure you can afford the vehicle, and do not have any county court judgments (CCJs) against yourself. If you do not consent to the credit check, you will not be able to submit your order. It is a legal requirement that we ensure you can afford the vehicle you have applied for, so you are not placed under undue financial pressure. Unfortunately if you have any CCJs, IVAs or bankruptcies we will not be able to provide you with a vehicle.

Once you have placed your order you will just need to upload a few additional documents so that we can verify your identity. You can do this on our website immediately after placing your order, or use the link in your order confirmation email.

What do we need from you?

A selfie

So we know it’s really you.

A photo of your driver’s license

Both front and back.

Proof of address

Such as a utility bill, council tax bill, tenancy agreement, or letter from HMRC.

Proof of affordability

Our approval process is based on affordability. If you have a strong credit score you may well be approved automatically. Depending on the vehicle you have applied for we may ask for bank statements, to prove you can afford the vehicle.

Why we require this

At mycardirect, we take our consumer protection responsibilities seriously. As a regulated company under the Financial Conduct Authority, we need to ensure that you can afford the vehicle without putting you under undue financial pressure – it’s the law.

In the event that your application is not approved, you may appeal the decision in writing. Please note that due to GDPR rules our team are not able to discuss reasons for rejection over the phone. If you wish to appeal a decision, please write to enquiries@mycardirect.co.uk if you believe your application has been rejected in error.

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Some Frequently Asked Questions About Becoming a mycardirect Subscriber

I've applied as a business, how does the approval process differ?

If you’re applying as a business, we will simply underwrite the business rather than yourself. The key difference is that we require your business to have been trading for 3 years, so we have enough accounts to accurately underwrite it. Finally, the contract will need to be signed by a director of the business.

How long does it take to get a car with Mycardirect?

Thanks to our dedicated automated system, the entire process from application to delivery can be as quick as three business days. Once the necessary documents have been filled out, we will then agree a delivery date.

Do I need a UK license, or can I use an international driver’s license?

You do not need a UK driver’s licence to subscribe to a vehicle from mycardirect. International driver’s licenses are valid for 1 year upon arrival in the UK, as long as your license is valid, we will be happy to provide you with a vehicle.

Do you have a minimum age requirement?

Drivers under 25 years of age will not typically be offered a car subscription.

Do you accept people with points and claims?

We can accept people with a maximum of 9 penalty points, your insurance provision may govern which vehicles you are eligible for.