My Car Direct

Cars from £498 pcm
25+ Cars

My Car Direct

Cars from £498 pcm
Rated 4.4/5 from 100

About My Car Direct

My Car Direct is a car subscription provider powered by Wagonex, another established car subscription company. Launched in 2020, it’s one of the newest providers in this growing market.

My Car Direct offers a wide range of cars on subscription, with all major driving expenses covered in a single monthly payment. Unlike other car subscription companies, My Car Direct offers cars on a range of contract lengths. This enables them to offer certain cars at lower rates than some other car subscription providers — though you may pay more if you choose to swap your car mid-contract.

My Car Direct also offers rental cars for those looking for a temporary vehicle, as well as ongoing car and van subscriptions.

How does My Car Direct work?

The entire car booking process takes place online. Browse My Car Direct’s range of subscription cars, then choose your subscription length, how much monthly mileage you need, and which colour car you want. Then create an account and submit your details.

My Car Direct will then confirm your eligibility and the availability of your chosen car online. You’ll pay a £250 joining fee, plus a refundable deposit to secure your car. Your first monthly payment is then taken no more than 24 hours before your car is delivered.

Depending on the availability of your chosen car, you can start driving your subscription car in just 3 working days.

Driver eligibility and requirements

To take out a car subscription with My Car Direct, you’ll need to:

  • Be 18-96 years old
  • Have a full, valid UK driving licence (or a licence from a country that has a reciprocal relationship with the UK)
  • Have no more than 9 points on your driving licence
  • Pass a credit check with My Car Direct.

How much does My Car Direct cost?

My Car Direct charges a joining fee of £250, plus a refundable deposit of £250-£500. That means you could pay up to £750 even before your first monthly payment is taken. This is particularly high compared with providers like Onto and Flexed, which don’t require a joining fee or deposit.

Their monthly fees are fairly standard, though their website pricing excludes VAT, so you may be charged more than the initial pricing suggests.

All monthly packages include:

  • Road tax
  • Breakdown cover
  • MOT, servicing and maintenance
  • Mileage up to a specified number of miles (this depends on the car you choose)

Insurance is also available as an added extra. This will be provided through Wagonex. If you want to use your own insurance, you’ll just need to send My Car Direct a copy of your valid insurance certificate 48 hours before your car is delivered.

Why choose My Car Direct?

My Car Direct has a few more one-off fees and additional charges than many other car subscription providers, so if you’re looking for a truly all-inclusive package, it may not be the provider for you

However, they have a good range of cars, including vans, family cars, and premium vehicles from brands like Audi, BMW, Tesla, and Jaguar. And while they offer ICE cars as well as EVs, they also offer additional services to promote more sustainable driving. If you do choose an electric car, you can take advantage of discounts from their partner services, such as home EV chargers and a month of free EV charging.

It's time to browse all subscription cars and to find the best subscription service for you!

My Car Direct car subscription FAQs

Do I need to pass a credit check to take out a subscription with My Car Direct?

Yes. Just like most car subscriptions, you’ll be required to pass a credit check before your car subscription is approved.

How can I change my car mid-contract?

If you have a monthly rolling contract, you can change your car whenever you like. However, if you change your car in the middle of a 3, 6, 12, or 24 month contract, you’ll pay the difference in car fees — plus a £200 delivery fee for your new car. So it’s important to consider how often you might want to change your car before committing to a longer term contract.

Can I transfer my existing No Claims Bonus to My Car Direct’s car insurance?

If you have at least 4 years of no claims on your existing car insurance, you can buy No Claims Discount Protection for your Wagonex insurance policy. This protects your No Claims Bonus if you make two claims or less on your subscription car insurance.

Subscription cars available via
My Car Direct
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