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Evolution Funding Ltd T/A My Car Credit Reviews

4.8 Rating 4,766 Reviews
97 %
of reviewers recommend Evolution Funding Ltd T/A My Car Credit
Company Reviews Metrics Info
4.8
Based on 4,766 reviews
Shipping & Delivery
Delivery Methods
Own Driver, Courier
Average Delivery Time
Next Day
On-time Delivery
Greater than 93%
Accurate And Undamaged Orders
96%
Customer Service
Communication Channels
Email, Telephone, Live Chat
Queries Resolved In
Under An Hour
Customer Service
4.8 out of 5
Read Evolution Funding Ltd T/A My Car Credit Reviews

About Evolution Funding Ltd T/A My Car Credit:

Rates from 9.9% APR. Representative APR 12.4%. Evolution Funding Ltd T/A My Car Credit.

We’re part of the UK’s largest motor finance broker, Evolution Funding, and we’ve been helping customers to buy cars on finance for nearly 20 years, on HP, PCP or personal loan.

At My Car Credit, applying for your car loan is quick and easy. Fill out our online application form in just a few short minutes and you’ll receive an instant, online decision on car finance - anytime of day!

We welcome all types of credit profile, you can buy your car from any dealer, and there is no deposit or fees. Our unique underwriting policy places you, the customer, first.

We’ll assess our broad panel of lenders to get you the right finance rate for your circumstances, without impacting on your credit profile*. We’ll then hold your hand throughout the process to ensure that you have a hassle-free experience of buying your dream car on finance.

We've been named 'Best Direct Consumer Proposition' at the Car Finance Awards for three years and awarded 'Best Broker' for seven consecutive years!

* Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Visit Website

Phone:

01246 458810

Email:

marketing@mycarcredit.co.uk

Location:

Evolution House, Smeckley Wood Close, Chesterfield,
Evolution House, Smeckley Wood Close, Chesterfield
Chesterfield
S41 9PZ

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Taina
Unverified Reviewer
“I’m actually really upset and angry with everything. If I new that you guys would take so long to change a car that I’ve chosen (a car that I haven’t even send face to face, when I did saw I didn’t like the car). So guys just in case if anyone is looking to take a finance with them, make sure you go to the dealer and see the car first before calling the credit finance to add your car, because they take ages to change just the car details, to the car that you want. The credit finance have deposit the money to the dealer and the car that I wanted was with the same dealer and the amount was the same, so all they had to do is contact the finance department to change the car details and send me the new cantava with the details of the new car. Now they are getting the money back from the dealer so they can do a new documents and then send the money back again to them. So be in mind that in cause by any change you decide that you don’t like the car, they are not as helpful and quickly as they was at the first time time. It’s going to be a week that I’ve decided to change the car and every day I have to give them a call to know what’s going on. And they don’t seem to help and do anything about it. It’s really frustrating. If they don’t resolve by the end of this week I will cancel all the loan. So guys don’t go as far to find a car get a car local to you, so you can see the car before agreeing to anything”
Helpful Report
Posted 1 year ago
Dear Taina, we're sorry to hear that you're not happy with the service you've received. Unfortunately in your situation, it is not always a simple case of swapping one car for another once the finance has been paid out. Instead, the initial agreement needs to be unwound and a new agreement put in place. It is this process that is taking time. Once your initial agreement has been unwound by your lender, we can proceed with the next stage. Kind regards, My Car Credit.
Posted 1 year ago
Taina Silva Rocha
Verified Buyer
“Not happy about it, because I went to get the car, and I didn’t like the car. So the agency told me to contact again with my car credit. My car Credit told me to re do a new application form, they’ve said they would try to speak with Santander to change the car over to the new car that I like which is with the same company. The money from the loan is already with the company and they are taking so long to just to change over the car. The amount of money is the same, and the only thing that they should do is just to get me a new agreement. But they want to take the money over again, so they can send it back again to the car company for the new car.”
Helpful Report
Posted 1 year ago
Dear Taina, we're sorry to hear that you're not happy with the service you've received. Unfortunately in your situation, it is not always a simple case of swapping one car for another once the finance has been paid out. Instead, the initial agreement needs to be unwound and a new agreement put in place. It is this process that is taking time. Once your initial agreement has been unwound by your lender, we can proceed with the next stage. Kind regards, My Car Credit.
Posted 1 year ago
Mthandeki Mpanza
Verified Buyer
“Bought a car online via Evolution Funding. Car broke down 2 days after leaving the showroom. I returned the car and opted to reject the goods and the finance which was well within the 14 days cooling off period. Evolution never helped, they simply passed the problem and said it’s not their problem. By the way I still don’t have the car, the dealer is apparently still fixing it, it’s been 36 days now. I say apparently because there has been zero communication from anyone. I will never use Evolution Funding, friendly at the start but terrible after sales service. I hope no one else got out like I did”
Helpful Report
Posted 1 year ago
Dear Mthandeki, thank you for leaving us your feedback. We take all complaints seriously and so have investigated this matter thoroughly, including listening to call recordings. We have been able to establish that given the circumstances, you have been advised correctly to contact your lender and open a complaint with them. As your finance agreement is with them and not with us as the broker, we are unable to assist with any issues that may arise once the agreement has been completed. We hope you are successful in resolving the matter via the correct routes. Kind regards, My Car Credit
Posted 1 year ago
Andra Bodea
Unverified Reviewer
“For me at was a really bad experience that caused a lot of stress They never informed me that the dealership i chose was rejected by them, in the meantime i have paid a deposit for the car which was non refundable. I had to opt out, and this created a lot of stress because I had to urgently find another loan in order not to loose my deposit. Communication wasn't great at all.”
Helpful Report
Posted 1 year ago
Anonymous
Unverified Reviewer
“scammers stay well clear”
Helpful Report
Posted 1 year ago
Dear Customer, we’re disappointed that you have felt the need to leave us a 1* review. We have looked at your application and it appears that you wished to take out finance on behalf of another person - referred to as an accommodation deal. Even where a customer can afford finance on behalf of another person, accommodation deals are not supported by any of our lenders due to their high risk to both you and them. Should you wish to discuss the matter further, please feel free to get in contact. Kind regards, Evolution Funding T/A My Car Credit
Posted 1 year ago
Anonymous
Verified Reviewer
“Absolutely shocking service, was told to e sign a document so that I can go and view a car, they’ve then proceeded to put this car on my credit file even though I declined the car. Now that this is on my credit file they still won’t admit fault for this and I have been waiting for 12 days for an email confirmation to confirm I do not have finance on this vehicle. Poor from start to finish, quick to take a sale but don’t want to know when you have a complaint to make. Shocking.”
Helpful Report
Posted 2 years ago
Dear Customer, we are sorry that you have had a negative experience with us. Your matter has been escalated to our Complaints Team and therefore is going through the necessary process for resolution. Kind regards, My Car Credit.
Posted 2 years ago
Anonymous
Verified Buyer
“I originally got a quote from Experian saying this was the cheapest company. However, when the quote came through after speaking to my car credit the quote had risen £37 per month with no proper explanation that made sence to someone who has a credit rating is in the 900s. Most of the staff were very polite, although one was quite sharp and rude which nearly made me stop the application. I needed the vehicle asap therefore continued with the application otherwise I would have pulled out. Next time I will hold out longer.”
Helpful Report
Posted 2 years ago
Noel Burnage
Verified Buyer
“Easy to apply through clearscore but everything which involved human input was a mess. Wrongly advised regarding pick up of vehicle which cost me nearly £100 train fare and a day off work. When I complained and asked for my train fare to be refunded they even messed up the complaint I lodged, which needed to be resubmitted as an email (after 2 weeks of hearing nothing) before refusing to take any responsibility saying it was all my fault 🤬.”
Helpful Report
Posted 2 years ago
Dear Noel, we're sorry to hear that you have been disappointed with your experience. We have investigated your complaint and have been in communication with you regarding the issue. As a regulated business, all calls are recorded and therefore we have been able to verify that you were never advised to travel to collect your car, which is the reason we have declined to refund your train fare. We are pleased to hear that you found the application process easy and we hope you are now enjoying your new vehicle. Kind regards, My Car Credit.
Posted 2 years ago
Richard Lucas
Verified Buyer
“failed in every way”
Helpful Report
Posted 2 years ago
Lee Anderson
Verified Reviewer
“Did not sort money so had pay for rental car for another week”
Helpful Report
Posted 2 years ago
Hi Lee, we're sorry you have felt the need to leave us a negative review. You have already been in contact with one of our advisers regarding your complaint. They have explained that the delays you have experienced were outside of our control since they related to paperwork being slow to come through to us. Once we were supplied with the correct paperwork, we processed your application as fast as we could. We hope you are now enjoying your new car. Kind regards, My Car Credit.
Posted 2 years ago
Lee
Verified Reviewer
“Looks like fake reviews on this website. Check trustpilot for the real reviews. VERY slow at getting car finance and they do require alot of chasing to get things moving. The staff are not very helpful and definitely not professional.”
Helpful Report
Posted 2 years ago
Dear Lee, we're sorry to read that you felt disappointed with your experience with us. We appreciate all feedback but do dispute your suggestion that our reviews are fake. ALL customers, no matter what their experience, are invited to review us as soon as their application is completed. Furthermore, our Trustpilot reviews also give us 4.4/5*. With regards to your own application, we can see that there was a slight delay. This was because we had to refer your rate to our manual underwriting team as it initially came back higher than the rate we quoted you. We then managed to get you the quoted rate and once this had been done, the deal paid out within 24 hours. We hope you are now enjoying your new car. Kind regards, My Car Credit.
Posted 2 years ago
Anonymous
Unverified Reviewer
“Took too long from enquiry and still awaiting payout to the garage. Had an email stating “complete” and you can arrange to pick the car up. Changed my insurance over and the garage have said they haven’t received payment. Spoke to someone and now been told it can take up to 3 working days to clear. Maybe this should be stated in the email you send saying “congratulations it’s all complete”. Although James has been helpful not a great experience overall. Will be over 12 days from first enquiry by the time I pick the car up!”
Helpful Report
Posted 3 years ago
Dear Customer, thank you for taking the time to review us and we are sorry that your experience with us as not gone smoothly. We do take pride in delivering a great service but on this occasion, it sounds like something has gone wrong. As we can't identify your application from your review, we're unable to investigate the specifics but your comments have been forwarded onto the team for review. We apologise for any inconvenience caused and we hope you enjoy your new car. Kind regards, My Car Credit.
Posted 3 years ago
Phil Shelton
Verified Reviewer
“Totally mislead poor service didn’t explain what they were offering and poor web design. Wanted a loan to buy a car still not sure what they were trying to offer. Misleading and lack of clear explanation, even the text I got was misleading.”
Helpful Report
Posted 3 years ago
Jill McBurney
Unverified Reviewer
“I didn’t not go forward with it you turned me down because I was furloughed. Can I re-apply now? I am no longer furloughed”
Helpful Report
Posted 3 years ago
Hi Jill, we have forwarded your comments onto our team, who will get in touch to see if we can help you. Kind regards, My Car Credit.
Posted 3 years ago
Anonymous
Unverified Reviewer
“Unfortunately, their response to my post was incorrect, I was not contacted every day, I had to chase them, One word False ! If Audi and Ford are happy to offer me credit, why can't these? good question, think before you provide them with sensitive information”
Helpful Report
Posted 3 years ago
Wish I Hadn't Wasted My Time, My Car New Was Nearly £40,000
Verified Reviewer
“Don't believe what you read, amateurs! Had to chase them all the time, they initially contact you and then the interest dies away, the chap I dealt with was ill or off and apologetic, well sort of. Funny thing is Ford were more than keen to offer credit to me, I just thought I would shop around as I have had the car from new for just over three years. I also had an Audi account for my daughter that was paid on time every time and completed. This lot I would give a very wide birth. They want bank statements etc, I earn a reasonable amount, more than most, in fact I have checked out my credit report after giving this lot/whoever serious information. My advise, think carefully !”
Helpful Report
Posted 3 years ago
Thank you for taking the time to review us and we're disappointed that you feel let down by us. Your comments have been forwarded to our team, who have confirmed that you were contacted every day other than when we were waiting for proofs to be checked - which you were made aware of. As a broker, our role is to submit your application to the lenders most suited to your requirements and circumstances. On this occasion, the two most suitable lenders were unable to help. Unfortunately, this is outside of our control.
Posted 3 years ago
Daniel Moore
Verified Reviewer
“I can't believe all the reason reviews have been good and I can't see a bad one. makes me highly suspicious considering the service I have just had. Awful, truly awful. Told me I had the finance in place, then I didn't then, then definitely did so I put a deposit down on a vehicle, then there were more snags. People not getting back to me, surly staff member making excuses about Covid-19. Let me be clear, I had a Good credit score when this started too. Have since found the finance I needed from someone else, in 1 day. Still waiting (3 days) for a manager to get back to my original complaint. Nobody available today either. I got put onto this lot by Experian who shall also be receiving a complaint.”
Helpful Report
Posted 3 years ago
Richb
Unverified Reviewer
“I have never encountered such an inept bunch. I bought the van and financed it elsewhere in the time it took them to reply. Laughable.”
Helpful Report
Posted 4 years ago
Paulo
Verified Reviewer
“Avoid this company!! After upload twice my driving licence and signed twice the pre contact, has aproved and today had a call regarding some security questions, asking about a insurance value to be told that a failed the answer ( have 3 insurances ), now i have to send to them my driving licence. Time wasters.”
Helpful Report
Posted 4 years ago
Hi Paulo, thanks for taking the time to leave a review. We are sorry to hear that you have not enjoyed your experience with us. As part of our robust security process, we are required to ask a set of questions to make sure that we can verify the customer's identity; this helps to support both our customers and lenders by preventing fraud being carried out in the customer's name. If these questions are not passed, then an additional verification is required in the form of a driving licence. We understand that sending in additional documentation can be frustrating, but we pride ourselves on upholding a compliant and stringent application process, that is designed to put our customers’ safety and security first. One of our MCC Team Leaders is happy to give you a call to talk this through in more detail if you would like, to see if we can reach a resolution. With regards, My Car Credit.
Posted 4 years ago
Kirstin Richardson
Unverified Reviewer
“Told we were accepted but then had to chase them all the time. Told incorrect information and lost out on 2 cars. Finally declined with no explanation even though credit history isnt bad. Offered finance at double monthly payments with no explanation as to why. Very unprofessional approach.”
Helpful Report
Posted 4 years ago
Hi Kirstin, thanks for taking the time to leave us a review. We are struggling to find your application on our system, so we are unable to provide any further information on your experience with My Car Credit. We are sorry to hear you had a negative experience, and welcome any further comments over the phone or by emailing enquiries@mycarcredit.co.uk. With regards, My Car Credit.
Posted 4 years ago
Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 4,766 reviews
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