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 5,584 Reviews

96 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,584 reviews

Shipping & Delivery
Delivery Methods	Own Driver
Customer Service
Communication Channels	Telephone, Email, 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 February 2026

132

Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Very Professional and always looking out for the customers interest by providing warranty for the car and looking out for best deal for the customer”

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

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Posted 7 months ago

“I needed car finance so tried the AA Jack Mosley Was fantastic, great communication kept me updated and i would highly recommend any needed a loan for a car .”

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Posted 7 months ago

“I would strongly advise avoiding My Car Credit / Evolution Funding. At the start, they offered me a very attractive APR of 9 percent. Once I found a car, they suddenly claimed the lender wouldn’t finance it because they “don’t pay VAT”, which already raised questions. When I found another suitable car, they sold me a warranty upfront, which I paid for in good faith. They then sent the invoice to their finance company and kept me waiting for three days with no update. When I finally called this morning, all I was told was, “I’m afraid we can’t go ahead with your application at this time.” No explanation, no email, no courtesy message, and no advice on what to do next. Just a dead end. Despite having an excellent credit score, they ran my application through multiple lenders without informing me. I now have five hard searches on my credit file, all because they kept trying different companies behind the scenes. Those searches sit on your record and reduce your chances of getting finance elsewhere. For a £20,000 car, their commission would have been around £2,500, with £500 of that going to ClearScore for the referral. It now feels like these brokers lure you in with a low APR, run multiple hard searches without consent, and leave you worse off when everything collapses on their side. I’ve decided to wait until March for the searches to cool down and then take out a personal loan and buy the car directly. Far simpler. Overall, the experience was stressful, unclear, and honestly quite disappointing. Avoid this company.”

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Posted 7 months ago

Dear Slim, Thank you for taking the time to leave a review. We understand it can be disappointing when a finance application cannot progress. When you apply, an initial APR is generated using the information provided and an early view of your credit profile. As the application moves through further checks, additional information can sometimes change the outcome. As a broker, we work with a panel of lenders who each carry out their own assessments. They make the final decision on whether they can offer finance, and they are not required to share the reasons behind that decision. In this instance, the lender was unable to proceed, which means we’re unable to take the application forward. As the decision is final, we’re not able to provide any further detail. Kind regards, Evolution Funding

Posted 7 months ago

“Excellent friendly service.”

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Posted 7 months ago

“Craig herring was brilliant! I had an absolute nightmare with the car dealerships. Craig went above and beyond and kept us in the loop the whole time. Cant thank or recommend craig enough. Thankyou so much for helping us get into our new car :)”

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Posted 7 months ago

“Very very helpful and always available to pick your call and get your problem sorted”

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Posted 7 months ago

“Staff very helpful.”

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Posted 7 months ago

“Really pleased, great service, no hassle and the assistants were great too.”

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Posted 7 months ago

“I found the whole experience very easy I spoke to a few different poeple they were all v helpful I definitely recommend Evoloution.”

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Posted 7 months ago

“Excellent customer service. Perfect place to get a car.”

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Posted 7 months ago

“Excellent, reliable and dependable”

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Posted 7 months ago

“I recently used My Car Credit to secure financing, and I couldn't be happier with the service. The entire process of getting into my new van was incredibly easy and stress-free.”

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Posted 7 months ago

“Really happy I went with this car finance company! The APR was amazing, way better than I expected, and the team were super supportive the whole way through. They made everything easy and stress-free. I’d definitely recommend them to anyone looking for a great deal and friendly service!”

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Posted 7 months ago

“Hadi was extremely helpful with all questions and enquires thank you for your help in getting us our dream car”

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Posted 7 months ago

“no communication”

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Posted 7 months ago

“My experience with my car credit was 10/10 Hadi was so kind and went out his way to provide a list of which cars I’d like tailoring them to my wants. My experience was amazing and he’s so friendly and answers the phone in such great manner.”

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Posted 7 months ago

“Couldn't be simpler , i got quoted an amount found a car, filled in all the details and was accepted within a few hours , picked up my new car 2 days later .”

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Posted 7 months ago

“Good service”

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Posted 7 months ago

“Excellent service throughout. Hadi talked me through the process and made sure I understood every point. He contacted me at different parts of the day with updates and with requests for information. A potentially stressful situation made quick and easy. Thank you”

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Posted 7 months ago

“It was really excellent service from Jerome Wilkins”

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Posted 7 months ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,584 reviews