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

“Awful service, told me I was accepted then not then accepted again! Then told me I could pick up my car then told me there was an issue with there paperwork. Found another company using the SAME lender and costing less! Stay away!”

Helpful Report

Posted 6 years ago

Hi John, thanks for taking the time to leave a review. We are sorry to hear you have experienced some communication problems with us - we strive for excellent customer service and have clearly let you down on this occasion. 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

“Applied for credit. Was told I had been accepted and to expect a call within 15 minutes.....over 24 hours later I am still waiting.I will use the other best credit company Motoloan in future”

Helpful Report

Posted 6 years ago

Hi Kevan, thank you for taking the time to review us and we are very sorry that on this occasion we have let you down on our response rates. We pride ourselves on providing a first rate service to every customer but due to an unusually high number of applications, we were unable to deliver you our usual standards. We have taken steps to rectify this and we wish you all the best with finding a suitable motor finance solution. With regards, MCC.

Posted 6 years ago

“Waste of time everyone is accepted according to there system but of course they are not. Called me and said it had to go back to the underwriters and they would get back to be in one hour but nothing. Next day there are closed and I am not holding by breath that I WILL EVER HEAR BACK FROM THEM. There will never bother if they cant get you accepted to call you back. But remember they already tell you that you have been accepted. So don't bother get finance through your dealer they are best at it!!”

Helpful Report

Posted 6 years ago

Hi Ian, thanks for taking the time to leave a review. We are sorry to hear you have experienced some communication problems with us - we strive for excellent customer service and have clearly let you down on this occasion. One of our team will be in touch today in regards to your application. With regards, My Car Credit.

Posted 6 years ago

“Poor and hard to deal with. Get a different member of staff everytime. Stay away”

Helpful Report

Posted 6 years ago

Hi, thanks for taking the time to leave us a review. We are sorry to hear that you had a poor experience with My Car Credit - we strive for excellent customer service and have clearly let you down on this occasion. Your comments have been fed back to the relevant teams to drive improvements, and if there is anything we can do further for you please don't hesitate to get in touch. With regards, My Car Credit

Posted 6 years ago

“I’m extremely disappointed with my car credit... they accepted me for finance on a vehicle, they were told over the phone exactly what the vehicle was. I then had a phone call to say my finance was declined as it was a commercial vehicle and not a car. They knew this as I gave the chassi number of the said vehicle being purchased. Not only has this affected my credit rating as I’ve been declined, but I also turned down other finance that was offered to me at the same low rate. I’ve now had to go with a higher interest rate and a affect on my credit scoring for their incompetence. I was told the person who took my original call had only been working in the office for a week and was unaware that the company wouldn’t acccept commercial vehicles. I will have to take this matter further as my credit history has always been of a excellent standard but has been lowered for no fault of my own .”

Helpful Report

Posted 6 years ago

Hi Natalie, thanks for taking the time to leave us a review. We are sorry to hear that you have not had a positive experience with My Car Credit - we strive for excellent customer service and have clearly let you down on this occasion. Your comments have been fed back to the relevant teams to drive improvements across our service. If you would like to take this matter further, we would ask that you put this in writing to enquiries@mycarcredit.co.uk and we will look into this further for you. With regards, My Car Credit

Posted 6 years ago

“Got accepted with basically a loan shark buddy finance Borrow £4000 pay back Almost £10,000 yes correct £10k my credit rating is not that good but this is absolutely day light robbery fortunately I found another company that gave me a fair deal and not 49.8% definitely watch out unless your stupid”

Helpful Report

Posted 6 years ago

Dear Sam, thank you for sharing your feedback. I am so sorry your experience didn’t match your expectations, which is uncommon as you can see from our other reviews. Your feedback is really important to us, and helps us to improve our services, staff training and customer journeys in order to deliver an exceptional service. We invite you to contact our Department Manager with any further comments, concerns or suggestions you wish to share. In the meantime, please accept our sincere apologies and we strive to so better next time. With regards, My Car Credit

Posted 6 years ago

“very poor day after day more questions and customer service #BAD”

Helpful Report

Posted 6 years ago

Hi David, So sorry to hear you had a poor experience using My Car Credit - we strive for excellent customer service and have clearly let you down on this occasion. Your feedback has been passed over to the relevant department to drive improvements. With regards, My Car Credit

Posted 6 years ago

“Overcharged from day one. Told it was my fault. Took 3 years to get the difference back. If l hadnt of chased it no one would have bothered. Would not use again.”

Helpful Report

Posted 6 years ago

“If you are trying to get a loan with My Car Credit but you live in UK for less than 3 years or don't have a good credit score, READ THIS TEXT BEFORE! For people in the situation I mentioned before is more difficult to get a loan, that's understandable because of the credit score system. But when I applied with them I informed MANY TIMES I was living in UK less than 3 years, and they said it was OK, the interest rate would be a bit higher, and then they APPROVED my loan after I send all my documents. For ALMOST 1 MONTH I spent my time and money visiting cars (because initially THEY DIDN'T INFORM for me but they only accept cars maximum 7 years old). Then I found one, I SIGNED A CONTRACT WITH MY CAR CREDIT, and next day when I was almost preparing to go and pick up the car they call me back informing MY APPLICATION WAS REFUSED BECAUSE I WAS LIVING IN UK LESS THAN 3 YEARS! They gotta be kidding me! I told them SEVERAL TIMES AND THEY SAID IT WAS OK!!! I refused other companies with same interest rate because of them, and after all they refuse me! Chris apologized by phone BECAUSE I CALLED, but I don't accept apologies, because it cost me a lot of time and money! I'm so frustrated, hope this review help other people to avoid the same problem. Choose a different and serious company!”

Helpful Report

Posted 6 years ago

Hi Jairo, thanks for taking the time to leave us some feedback. We apologise for the issues you experienced, we strive for excellent customer service and have clearly let you down on this occasion. The Department Manager has been in touch to see what we can do further to resolve this issue, and your feedback has been passed on to the relevant teams to drive improvements. With regards, My Car Credit

Posted 6 years ago

“I’d leave zero stars if I could, as that is as much help as this company was. Had a brief phone call on Thursday evening to take some details, was told they’d be back in touch very soon with some figures. Friday afternoon I rang back and was told they’d ring me back within an hour with some quotes. Sent my contact Samantha an email Friday night to see what was happening, had no reply. I rang again on Saturday morning to be told they were having computer issues and they’d definitely be in touch in an hour. So far still nothing, I’ve taken my custom elsewhere. Absolute rubbish company as far as I’m concerned. Customer service, don’t make me laugh”

Helpful Report

Posted 6 years ago

“Poor. Not much help whatsoever, each person doesn't know what the next is doing and they're only helpful up until you sign after that they're completely useless.”

Helpful Report

Posted 6 years ago

Dear Reviewer, we are sorry that you feel our service was not to your satisfaction. Our overall rating of 4.8 out of 5 is a better reflection of the service that our customers receive. We have looked into your application and would like the opportunity to discuss this with you in more detail and understand why you feel the service let you down. If you'd like to contact Terri Croft on 01246 458 810, she is expecting your call. With regards, MCC.

Posted 6 years ago

“Jose 4 reviews Absolute Time wasters indeed Time wasters indeed, gone back and forth for 2 weeks now been to see 4 cars of which I paid a deposit of £100 to hold one car. They keep coming back with excuses, and delaying, wasting time, asking for one proof or another. No call back for days and its always the same script, have you looked at the cars on the website, have you taken a test drive. Whats the point until I know for sure if the finance has been accepted. Either you can get the finance or not, stop wasting peoples time.. They falsely advertise that anyone can get excepted the fact is they are so incompetent. If you looking for car finance go elsewhere please don't waste your time with these trading under AA motor finance. Go elsewhere don't waste your time”

Helpful Report

Posted 6 years ago

Hi Jose, thanks for taking the time to leave us a review. We are sorry to hear you didn't have a positive experience with us, we strive for excellent customer service and have clearly let you down on this occasion. We are struggling to find your account on our system, would you be able to call through to the office on 01246 458 810 so we can look into your experience further? With regards, MCC

Posted 6 years ago

“Awful......”

Helpful Report

Posted 6 years ago

Hi, so sorry to hear you didnt have a positive experience with us at My Car Credit. Would you be able to get in touch with us so we can find out a little more about any issues you experienced? Thanks, MCC

Posted 6 years ago

“Promised an acceptance with good news!! Of course a lie. You then have to send 3 months of bank statements then they don't believe you. They say that the corners don't look right and they cannot read them. Went to a different broker and they got me a deal with the same finance company this company use. They are slow and never return calls. Avoid.”

Helpful Report

Posted 6 years ago

Hi, thanks for leaving us a review. So sorry to hear you had a negative experience with us, we strive for excellent customer service and have clearly let you down on this occasion. Your comments have been fed on to the relevant teams and we are looking into your particular experience to drive improvements. Please get in touch if there is anything we can do for you further. Thanks, MCC

Posted 6 years ago

“Promised the earth an knocked back at the last minute. Petty stuff re the photos of bank statements were not right. Long drawn out process with generally poor service Avoid.”

Helpful Report

Posted 6 years ago

Hi, thanks for taking the time to leave us a review. We are sorry to hear that you haven't had a positive experience with us, we strive for excellent customer service and have clearly let you down on this occasion. Your feedback has been passed on to the relevant departments so we can look into your situation a little further, and so we can drive improvements. With regards, My Car Credit

Posted 6 years ago

“Failed to take dealer information until after 2nd round of checks had come back on my application as well as a a firm offer for finance (which included the vehicle check). I was promised a phone call back straight away, on the Friday as these details were finally taken, but this never came. I attempted to chase things on the Saturday but my work hours clashed with the call centres opening hours so finally got a response on the Sunday only to find out that the dealer checks hadn’t even been started. Nothing got done until the Monday morning despite the apparent attempts from the call centre. At this stage I was apparently pushed to the front of the que with things but was further held up as the paperwork I needed to sign and send back had the wrong figures on it. Despite this being resolved and still being pushed to the front regarding payment I didn’t get confirmation until 6pm on the Monday. In the background the dealer was being messed around, being chased for payment details that had already been supplied and that were on the system. On the Tuesday, they were advised that payment (despite all the promises to me) could land at any time up until 8pm that night. If it weren’t for a final push from me with the dealer I wouldn’t have been able to collect my car until Thursday (sales guy not in on Wednesdays). This was all down to a failure to obtain all information in a timely fashion and act on it when it was received, you made buying the car an absolute ordeal and I wouldn’t recommend you to anyone based on the service provided!”

Helpful Report

Posted 6 years ago

Hi, thanks for taking the time to leave us a review. We are sorry to hear that you didn't have a positive experience with us, we strive for excellent customer service and have clearly let you down on this occasion. We'd like to get in touch with you to discuss further and see if there is anything we can do for you, please can you let us know the best contact number and time to call you? With regards, My Car Credit

Posted 6 years ago

“Very poor customer service, was told maybe ten times I would be called back in five minutes and waited three hours still no call, overall very bad experience. Would not recommend it.”

Helpful Report

Posted 7 years ago

“Sent someone else’s paperwork continually pestered with emails and calls from different operators who didn’t seem to know what they were doing.”

Helpful Report

Posted 7 years ago

“Been over a month sent everything asked for to be let down such a waste of time to be told we don't clear enough money a month bad company don't use”

Helpful Report

Posted 7 years ago

“I have to say sorry to this company all reviews in here are not honest I am a new person in here and after road all reviews in here I was really happy I can apply car finance with pour credit I did application online and after that I received good news I was really happy but my happiness was short because they said same as other companies you must home owner or need Grantors which is I knew that ...but in application they didn’t say that ...please before go ahead call them don’t west your time with them Yes right amigo can give from £500 to £1000000 but you must be home owner doesn’t matter poof credit...highly don’t recommend..yes they staff friendly but information totally fake”

Helpful Report

Posted 7 years ago

Good afternoon, Thank you for your feedback, we are extremely sorry to hear that you feel this way. We aim to get all of our customers approved for finance via our panel of 32 funders, however, at times, we are given information based on a customers credit file that is out of our control. If you would like a chat on how we can help or check your credit file, please feel free to call us on 01246 458810. Kindest regards, Ella, MCC.

Posted 7 years ago

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