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 5,628 Reviews

96 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,628 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

Write Your review

Tell us how Evolution Funding Ltd T/A My Car Credit made you happy

Help future customers by talking about customer service, price, delivery, returns & refunds.

Minimum 10 characters

Would you like to add a photos or videos?

Strengthen your review by uploading photos & videos.

Drag files here or browse

(Supported files: jpg, png, mpeg, ogg, mp4 & webm)

What's your name?

Leave this blank if you'd like to publish your review anonymously.

(Optional)

Whats your email?

We need your email address to verify that your review is genuine

Please note that we may share your email with the company to verify your order.

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

“Poor service, misleading information”

Helpful Report

Posted 8 years ago

Good afternoon, we are very sorry to hear that you feel this way. Please feel free to get in touch and explain if there is anything further that we can do to help you. The My Car Credit team.

Posted 8 years ago

“We found kirsty white very rude on the phone, little telephone manners and no questions realy answerd about the finance approval. We have dealt with other companies in the past which have been very very helpful. Just to let this company no the future of the company is held by the workers and workers like kirsty white are there to bring the company down to the brick. Get your workers to have good telephone manners. We will not be useing u guys even though you have approved our loan for the car.”

Helpful Report

Posted 8 years ago

Thank you making us aware of this unpleasant situation, customer service is our priority and we will look into this. We sincerely apologise.

Posted 8 years ago

“Waste of time.. Told me i was approved only to forward me on to Amigo Loans lool... Why not just state that if you have poor credit you will need a guarantor?? Absolute garbage! Dont bother unless your credit is good... My credit score is 607 if yours is the same or lower than that do not bother with this company. The offer i received was a shambles.. £7000 paying back £277 a month for 60 months.. Thats nearly £17000!! What a joke only a complete fool would ever do that. SMH”

Helpful Report

Posted 9 years ago

Hello Greg, we are sorry that you feel this way. We offer our finance products based on a variety of factors, not just a credit score. For some of our customers Amigo Loans is the perfect if not only solution to enable them to finance a car, whilst building up their credit profile at the same time. Amigo Loans are a very specialist personal loan solution and we are sorry that you didn't fit any of our alternative criterias.

Posted 9 years ago

“Just sent me to a loan company who needed a guarantor if i new it would do that i wouldnt of filled in the application”

Helpful Report

Posted 9 years ago

“Rude arrogant uncaring and uninterested. No care about deposits trade ins'. All they are interested in their payments! "Your calls me be recorded for training or monitoring purposes" well my landline is too! And I have recordings of your dreadful customer service. My next stop is the financial ombudsman and the financial conduct authority! DON'T go near these rouges.”

Helpful Report

Posted 9 years ago

Hello, we apologise that you feel this way... Unfortunately due to posting anonymously, we don't know who you are but please contact us and a manager will be happy to listen to your concerns. It's very rare we get a negative comment so we would like to get a better understanding of your comments. Many thanks, My Car Credit

Posted 9 years ago

“I applied with mycarcredit, took couple days to even get it sorted found a dealership myself, cargiant. Was then told to fill in their online portal upload driving license and payslips. I did. After I was told that the finance company will not pay out till I go cargiant and test the car, I did. I went to cargiant I had to put down a non refundable deposit to hold the car, I spoke to Gary and Chelsea who told me that I should put the deposit down and that my application is fine, I told them it is non refundable. They still told me I should put it down ( which they are no denying although there is recording). This was Wednesday last week, only today have they called me to tell the finance company now needs bank statements and cargiant have said if it is not sorted out by tomorrow the car and my deposit will go. I have requested to get my deposit back still waiting from cargiant, I probably will not get it back. Josh a manager at mycarcredit is also taking no responsibility for the actions of Chelsea and Gary. I am appalled, poor customer service from all three people. Why make someone put a non refundable deposit on a finance application u have not 100% been approved on!!!!!! Waste of time and stress. This has gone on for 2 weeks and still nothing is sorted. Ridiculous, rubbish money stealing company. They give you false hope. They do not what they are doing”

Helpful Report

Posted 9 years ago

Hello Sabrina, I am extremely sorry to hear that your experience with My Car Credit didn't meet your full satisfaction. As explained to you, it is not unusual that funders on our panel would ask us to request personal documents from you such as bank statements to get you fully approved, it is unfortunate that you were not able to provide these as easily as via email or post and the application was unable to progress. We wish you all the best for the future. Delete

Posted 9 years ago

“There Website saying bad cradit poor credit any cradit history we are accept.But when I applied with my car cradit .coustomer service Representative Michel.ask for bank statement.then say you need grantor. Bekoz your self employed bad cradit history. Why lying white me .please don't lying with people like me.My car cradit is car fainance brokers. Work with amigo Lone. Any one bad credit or new self employed. I advaic you contact with your bank.ther help you . Thanks”

Helpful Report

Posted 9 years ago

Hello, we are sorry that you feel your experience with My Car Credit has not been to your full satisfaction. I can assure you that the My Car Credit team endeavour to do everything we can to cater for all credit profiles, however at times there are situations out of our control where we cannot get you conditionally accepted with your preferred lender and we may offer you a finance agreement with our Personal Loan Lender. I am sorry that you decided not to progress with your application and wish you all the best for the future.

Posted 9 years ago

“Applied online ,told accepted then got email saying no.what a waste of time”

Helpful Report

Posted 9 years ago

“1. Poor Service. 2. Poor Communication. 3. Hidden Fees.”

Helpful Report

Posted 9 years ago

“They are disappointed by their services. how is it possible to ask you to send them in original driving license for validation ? I sent a copy of the driving license, I sent you a verification code and still insists on sending it in original ......”

Helpful Report

Posted 10 years ago

“waste of time. You need to inform customer that you can only select cars from fca approved garages or at least put it in your FAQs instead of wasting people time looking for cars that they cannot buy.”

Helpful Report

Posted 10 years ago

Good Morning Mr Tocher, We are sorry you have had an unsatisfactory service with My Car Credit. We vet all of our garages to protect you as the customer. By opting to finance cars from FCA approved garages we can help to guarantee financial stability and high customer service standards. Kind regards, The My Car Credit team

Posted 10 years ago

“Very rude team leader. Don't use this broker company, be prepared for a lot of calls, texts, emails.Apply with a lender company, you will save time and you don't have to deal with advisers that are not prepared to talk with costumers.”

Helpful Report

Posted 10 years ago

Dear Mr Azevedo, We are extremely sorry that you feel you haven't received the standard of customer service that met your expectations. Unfortunately there are times when there can be delays in funds being paid out, this can be due to uncontrollable factors such as banking hours. At times you will receive automated messages, such as texts and emails if we cannot get hold of our customers. We also apologise for the amount of phone calls you feel you have received but if there are any issues with the application, our team would rather speak to customers more direct and over the phone.

Posted 10 years ago

“Took 7 hours to reach a decision, not informed that application had gone beyond 'soft search' stage, 71 points shaved off Experian credit report as a result. Extremely unhappy.”

Helpful Report

Posted 10 years ago

Good Afternoon Mr Cookson, we are extremely sorry that you feel let down. We do make it clear that before you submit your online application, a credit search will be carried out by our panel of finance lenders. If you could write to our complaints department (contact details stated in the footer of our website) we will arrange for your credit searches to be removed. Once again, we apologise for he inconvenience. The My Car Credit Team

Posted 10 years ago

“Forgot to add the fact they were also unable to tell me about the early redemption fees and suggested I would find out when I came to pay off the loan early!! The chap I spoke to was clueless and clearly not able to disclose material facts pertaining to the loan he was offering - again against FCA guidelines.”

Helpful Report

Posted 10 years ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,628 reviews