Evolution Funding Ltd T/A My Car Credit Reviews

Name: Evolution Funding Ltd T/A My Car Credit
Address: Evolution House, Smeckley Wood Close, Chesterfield, Evolution House, Smeckley Wood Close, Chesterfield, Chesterfield
Rating: 4.83

4.8 Rating 5,249 Reviews

97 %

of reviewers recommend Evolution Funding Ltd T/A My Car Credit

Company Reviews

Metrics

Info

4.8

Based on 5,249 reviews

Shipping & Delivery
Delivery Methods	Own Driver, Courier
Average Delivery Time	Next Day
On-time Delivery	Greater than 91%
Accurate And Undamaged Orders	Greater than 94%
Customer Service
Communication Channels	Email, Telephone, Live Chat
Queries Resolved In	Under An Hour
Customer Service	4.8 out of 5

About Evolution Funding Ltd T/A My Car Credit:

Rates from 9.9% APR. Representative APR 10.9%. 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 and awarded 'Best Broker' for 9 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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Evolution Funding Ltd T/A My Car Credit 5 star review on 2nd May 2025

Benjamin Gardner

Evolution Funding Ltd T/A My Car Credit 5 star review on 23rd March 2025

Christopher Loynes

Evolution Funding Ltd T/A My Car Credit 5 star review on 22nd March 2025

GOMAS KAMALESWARAN

Evolution Funding Ltd T/A My Car Credit 5 star review on 16th March 2025

Anonymous

130

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“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 3 years ago

“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 3 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 3 years ago

“failed in every way”

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Posted 3 years ago

“Did not sort money so had pay for rental car for another week”

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Posted 3 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 3 years ago

“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 3 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 3 years ago

“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 4 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 4 years ago

“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.”

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Posted 4 years ago

“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”

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Posted 4 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 4 years ago

“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”

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Posted 4 years ago

“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 4 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 4 years ago

“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.”

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Posted 4 years ago

“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.”

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Posted 5 years ago

“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 5 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 5 years ago

“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 5 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 5 years ago

“I would not recommend my car credit to anyone they have just messed me about with every thing g.”

Helpful Report

Posted 5 years ago

Hi, thanks for taking the time to leave us a review. We are sorry to hear you have not enjoyed your experience with My Car Credit - we strive for excellent customer service and have clearly let you down on this occasion. Your comments have been passed on to the relevant teams to drive improvements. With regards, My Car Credit.

Posted 5 years ago

“Very speedy and efficient. My thanks to you William”

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Posted 5 years ago

“useless.broker not lender.waist of time”

Helpful Report

Posted 5 years ago

Hi, we are sorry to hear that you have had a poor experience with My Car Credit. We are struggling to find your application on our system so we aren't able to look into your case further and resolve any problems. If there is anything more we can do for you, please get in touch. With regards, My Car Credit.

Posted 5 years ago

“Never heard from them once did application”

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Posted 6 years ago

Hi Kevin, thanks for taking the time to leave us a review. We are sorry to hear that you were disappointed with your experience with My Car Credit - we strive for excellent customer service and have let you down on this occasion. We had received confirmation from yourself that you wanted to withdraw your application - is this still the case? Please get in touch if there is anything else we can do for you. With regards, My Car Credit

Posted 6 years ago

“Disgusting service. They blame the customer for the dealer false advertising full service history by saying you chosen the car and garage. Under the consumer credit act 2015 the car must be as described. They trying to take your legal rights away. I’m not backing down. I’ve told them I’m not dealing with them any further and take me to court. Disgusting attitude they don’t care. Use money barn direct for poor credit. I verify my review is true and have all evidence.”

Helpful Report

Posted 6 years ago

Hi, thanks for taking the time to leave us a review. We are sorry to hear you have had a poor experience with My Car Credit - we are struggling to find you on our system as having been a past customer, and would welcome the opportunity to discuss this further with you. You can contact our office on 01246 458 800 for further details on how we can help to resolve any issues. With regards, My Car Credit

Posted 6 years ago

“Absolutely rubbish, disorganised and full of delays. Everyone who dealt with them with my car has never come across such a badly dealt process, took 2 weeks until I gave up and went with another company who took 2 days”

Helpful Report

Posted 6 years ago

Hi John, thanks again for taking the time to leave a review. We are sorry to hear you didn't have the best experience with us, your comments have been passed on to the relevant departments to drive improvements across our service. With regards, My Car Credit.

Posted 6 years ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,249 reviews