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 5,630 Reviews

96 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,630 reviews

Shipping & Delivery
Delivery Methods	Own Driver
On-time Delivery	100%
Customer Service
Communication Channels	Email, Telephone, Live Chat
Queries Resolved In	Under An Hour

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 19th August 2026

133

Anonymous

Anonymous // 01/01/2019

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

“Process started well however 2.5 weeks later the dealer has still not received the funds so I am unable to collect the car. Funds were released on Saturday, not received on the Monday. Then told on Tuesday the money hadn’t been released on Saturday but was done on Monday. Yet the dealer has still not received the money. despite calling multiple times for updates and an eta. I have heard nothing from My Car Credit.”

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Posted 3 years ago

“Never again ..applied 4 weeks ago got accepted sent in relevant documents and never heard back from anyone again Definitely not recommend this company at all”

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Posted 3 years ago

Dear Customer, we're sorry that you have been unhappy with our service. We take all feedback seriously and therefore have investigated your comments. We record all activity, including calls, for training and quality purposes and therefore can see that our advisor was unable to contact you on several occasions. Whilst you did eventually call us, you were unable to prove identity over the phone and so we could not progress with the call. After that, we agree that no further contact was made by us. We apologise for any inconvenience caused. Kind regards, My Car Credit.

Posted 3 years ago

“The most drawn out process.”

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Posted 3 years ago

Dear Matthew, thank you for providing your feedback and we're sorry that you have not had the smoothest of experiences. Unfortunately, an issue with the lender's systems led to delays which we made you aware of and offered to try a different lender. However, you asked us to wait for the issue to be resolved. We then needed to perform our final checks prior to payout and were unable to reach you in a timely manner. We apologise for the delays and inconvenience caused and hope you are now enjoying your new vehicle. Kind regards, My Car Credit.

Posted 3 years ago

“Avoid!!!Avoid!!!Absolutley joke!Poor communication!Rude staff!”

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Posted 3 years ago

“Terrible company, IT doesn't work and when you call to discuss they cut you off and refuse to take a complaint or let you speak to a manager (CEO doesn't exist apparently!) No response to written complaint and no explanation as to abusive nature of their staff! Would leave zero stars if that were possible”

Helpful Report

Posted 3 years ago

Dear Customer, we are sorry to hear that you are unhappy with our service. We take all complaints seriously and as all calls are recorded for training and quality purposes, we have been able to review the conversations between you and our advisors. We cannot identify any occasion where our staff were abusive towards you. Whilst we appreciate you were frustrated with some aspects of the application process, we also cannot tolerate abusive language towards our own staff which unfortunately did occur. We agree that your request to submit a complaint could have been handled much better and therefore we are making changes to our process to improve that experience. We apologise for any inconvenience caused. Kind regards, My Car Credit.

Posted 3 years ago

“Once again I come here to complain about this company, I’ve cancelled the loan with less than 14 days period, was within 12 days period from the dates that I’ve signed the contract. The reason why I’ve cancelled was because they have done two credit checks in my name and at the end the dealer have already sold the car, so if I was going to chose another car the was going to do a 3rd credit check. So I’ve cancelled everything. After a week that I’ve cancelled it was still saying in my reports that I “had the money” I’ve contact Santander finance team and they told me that it was still active that they didn’t had no information about me cancelling the loan. So that means this company is absolutely unresponsive, they haven’t contacted Santander to inform them that I’ve cancelled the loan, and it’s been now two weeks and some days that “my car finance” doesn’t have any information about my case, that they are still waiting to the “dealership” to “accept” that I’ve cancelled the Loan. A dealership that I’ve sold the car that I wanted, that I haven’t signed any contract with them. So guys don’t you ever go with this company in case if you decide to cancel the loan or change car. They are terrible resolving your problem. If I didn’t called Santander, they would still take money from my bank account on the 27th of this month. I’ve cancelled the loan on the 11th of October. Lucky me that Santander changed the date until the 28th of November so “my car finance” inform them that I’ve cancelled and they are happy to cancel that. Worse thing that I’ve even done in my life.”

Helpful Report

Posted 3 years ago

Dear Taina, we are sorry that you are unhappy with your situation. We have attempted to contact you on numerous occasions to discuss but you have been unreachable, nor have you returned our calls. We appreciate your frustrations and we would like to help resolve the situation but there is very little we can do if we cannot speak to you. If you would like to discuss the matter, please call the office on 01246 458 810. Kind regards, My Car Credit.

Posted 3 years ago

“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”

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Posted 3 years 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 3 years ago

“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.”

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Posted 3 years ago

“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”

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Posted 3 years 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 3 years ago

“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.”

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Posted 4 years ago

“scammers stay well clear”

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Posted 4 years 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 4 years ago

“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.”

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Posted 4 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 4 years ago

“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.”

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Posted 4 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 🤬.”

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Posted 4 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 4 years ago

“failed in every way”

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Posted 4 years ago

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

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Posted 4 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 4 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.”

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Posted 5 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 5 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!”

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Posted 5 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 5 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 5 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 5 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 5 years ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,630 reviews