My Car Direct

Cars from £349 pcm
Approved partner

About My Car Direct

My Car Direct is a car subscription provider powered by Wagonex, another established car subscription company. Launched in 2020, My Car Direct has rapidly grown to become one of the largest 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 — as their rates become cheaper if you subscribe for a longer period.

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

A screenshot of MyCarDirect's homepage

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 the colour of the car. Then create an account and submit your details.

My Car Direct will then confirm your eligibility and the availability of your chosen car online. If the car you have chosen is not available, a member of their team will give you a call to discuss other available vehicles. You’ll pay a £250 joining fee which makes you a member for life, 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:

  • Have a full, valid UK driving licence (or a licence from a country that has a reciprocal relationship with the UK)
  • Have a UK Address and UK bank account
  • Have no unsatisfied CCJs (county court judgements)
  • Pass a credit check.

How much does My Car Direct cost?

When you subscribe to a car from My Car Direct for the first time, they charge a one-off joining fee of £275 which makes you a member for life, whether or not you are currently subscribing to a car. My Car Direct also charge a refundable deposit of £250-£500, refunded at the end of the contract, excluding any deductions for damage.

One attractive part of My Car Direct’s offering is free delivery and collection anywhere in the mainland UK, this means that if you want to take full advantage of the flexibility offered by subscription and swap between vehicles, you won’t be hit with additional fees.

Their monthly fees are competitive when compared to other subscription services, however the quote prices on their browse page are always the longest and therefore cheapest tariffs. If you are interested in subscribing to a vehicle for a shorter period, make sure to click on the vehicle and select the length of time you would like the vehicle for, to receive an accurate price.

All monthly packages include:

  • Road tax
  • Breakdown cover
  • MOT, servicing, and maintenance
  • Collection and delivery
  • 800 miles per month as standard, with the option to increase up to 2000

If you want to use your own insurance, you’ll just need to send My Car Direct a copy of your valid insurance certificate 24 hours before your car is delivered.

Why choose My Car Direct?

My Car Direct are set up to benefit people who want to subscribe to a car for the long term and take advantage of all the benefits of subscription. Although they charge an initial £250 joining fee, which confers a slightly higher barrier to entry than other subscription companies, their rates become cheaper over long periods, effectively rewarding long term subscribers. Free delivery and collection anywhere in the mainland UK also give you the freedom to swap between and try out different vehicles, and really make the most of the flexibility subscription offers.

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.

If you want to reach out to My Car Direct directly, you can call 0333 015 5055. We'd appreciate it if you mention "Car Sloth" when reaching out to their team. It helps us a lot!

FAQs about My Car Direct

Do I need to pass a credit check to take out a subscription?

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. 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?

Yes, you're able to use your NCB.