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Evolution Funding Ltd T/A My Car Credit Reviews

4.8 Rating 4,776 Reviews
97 %
of reviewers recommend Evolution Funding Ltd T/A My Car Credit
Company Reviews Metrics Info
4.8
Based on 4,776 reviews
Shipping & Delivery
Delivery Methods
Own Driver, Courier
Average Delivery Time
Next Day
On-time Delivery
Greater than 93%
Accurate And Undamaged Orders
96%
Customer Service
Communication Channels
Email, Telephone, Live Chat
Queries Resolved In
Under An Hour
Customer Service
4.8 out of 5
Read Evolution Funding Ltd T/A My Car Credit Reviews

About Evolution Funding Ltd T/A My Car Credit:

Rates from 9.9% APR. Representative APR 12.4%. 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 for three years and awarded 'Best Broker' for seven 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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Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful
Anonymous
Unverified Reviewer
“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 5 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 5 years ago
Annoyed, Taunton
Verified Reviewer
“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 5 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 5 years ago
D.mcclelland
Verified Reviewer
“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 5 years ago
Richard Nuttall
Verified Reviewer
“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 5 years ago
Debra Copeland
Verified Reviewer
“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 5 years ago
Ms
Unverified Reviewer
“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 5 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 5 years ago
Anonymous
Verified Reviewer
“What started out as an exciting prospect of a new second car became really stressful and drawn out as I was constantly given misleading information. The funds still haven’t been received”
Helpful Report
Posted 6 years ago
Simon Morgan
Unverified Reviewer
“Takes way too long it's been 2 weeks. Had to call them to find out what was going on. The vehicle I wanted is no longer available and still waiting!!!”
Helpful Report
Posted 6 years ago
Anonymous
Unverified Reviewer
“These people are robber they want to give u hard time only robber can borrow 10000 and want 15000 on top over 5 years What a brilliant business of p. Taking”
Helpful Report
Posted 6 years ago
Callum Miller
Unverified Reviewer
“** Dont waste your time with this bunch of liers and time waster ! ** I applied online and then phoned to confirm the numbers and other details, I then found a car off of my car credits car search feature i then phoned back to confirm that this was the car I wanted and was advised to go for a test drive this car wasn't local and I drove 150 miles to go and veiw it, i drove the car and loved i then paid a deposit so I wouldn't lose the car as you can remember I was already aproved so nothing to worry about, I then got home and called my car credit back and ask to proceed I was told someone would phone me the following day, i didn't get a phone call so I called them in the afternoon and was told the person that was dealing with my finace was busy and I would get a call back so I waited again with no contact so I called again and it wouldn't call my phone said user busy so I waited a while and called again, and again user busy so I tried putting 141 in front and it rang so my number had seemed to me to of been blocked! When I got through to someone again I was told Chris was busy and I asked for an alternative email I gave this and thought I wouldn't hear from them again. The next day I rang back and was told that my car credit could not help me and I would need to find a newer car something no older than 8 years old so a 2010. If you remember I had found this car on their website so why was it advertised if they could get finace for it. And I also lost my deposit for the car being taken off sale. I still get emails saying that Your application has been approved in by one of our lenders. Don't waste your time.”
Helpful Report
Posted 6 years ago
Dear Callum, I am the Marketing Manager at My Car Credit, I am extremely sorry to hear of your experience with us, would you like to give me a call at your earliest convenience to discuss? my number is 01246 458810, Kindest regards, Ella Brough.
Posted 6 years ago
John Farnsworth
Unverified Reviewer
“I applied using their 30 second search. It came back approved. I then received a call from Gary he confirmed my details and said he would get back to me. No bother to call me back. I called them and someone answered the phone and hung up on me. Don’t waste your time they only want to know bother with you if they can secure a loan. Right bunch of cowboys stay clear”
Helpful Report
Posted 6 years ago
Hello John, Im very sorry to hear about your dissatisfaction with My Car Credit, my name is Ella Brough, I am the Marketing Manager here at My Car Credit, if you would like to give me a call to discuss this further? My number is 01246 458810.
Posted 6 years ago
Anonymous
Verified Reviewer
“Wasted my time by lying to me. When I spoke to a second person about it they just got snappy with me saying that it was the weekend staff, she isn’t weekend staff... not my problem really, it was yours, yet the still didn’t seem to care.”
Helpful Report
Posted 6 years ago
Hello, I am the Marketing Manager at My Car Credit, I am extremely sorry to hear this, could you please send me an email explaining what has happened so that I can look into this straightaway for you? my email address is ellabrough@mycarcredit.co.uk
Posted 6 years ago
Aislin
Unverified Reviewer
“I found the staffs conduct to be rude and unprofessional unfortunately”
Helpful Report
Posted 6 years ago
Good Morning Aislin, we are very sorry to hear that you feel this way, I understand that you have been in touch with our management team and there has been a misunderstanding. If you are still feeling dissatisfied could you please call into the office on 01246 458810 and ask to speak to the office manager? ad we will make sure that we can resolve any issues. Thank you.
Posted 6 years ago
Clare Z
Verified Reviewer
“Service not as expected or indeed advertised in their sleek website. Person that took the original enquiry and offered us confirmed acceptance took off for holidays without letting us know, passed on to another who then rejected original deal and offered us 30 % loan!! The other thing they do is if a deposit is paid by card they don't take the dealer's receipt as proof, but ask you to send them copy of the front and BACK of your card (with the security code). Data Protection, what DP?”
Helpful Report
Posted 6 years ago
Hello Clare, we are extremely sorry that you feel like this, after some discussions with the team, it seems there has been some complications out of our control regarding your application. Requesting photo copies is not something that we ask for as routine, this was requested by the dealer who we have spoken to. We can assure you that we comply very strictly with your information which is very secure. We are sorry once again for any inconvenience caused. My Car Credit.
Posted 6 years ago
Anonymous
Unverified Reviewer
“Poor service, misleading information”
Helpful Report
Posted 6 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 6 years ago
Anonymous
Unverified Reviewer
“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 6 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 6 years ago
Greg
Verified Reviewer
“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 6 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 6 years ago
Neil
Verified Buyer
“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 6 years ago
Anonymous
Verified Reviewer
“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 6 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 6 years ago
Sabrina ,
Unverified Reviewer
“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 6 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 6 years ago
Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 4,776 reviews
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