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 5,460 Reviews

96 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,460 reviews

Shipping & Delivery
Delivery Methods	Own Driver, Courier
Average Delivery Time	Next Day
On-time Delivery	Greater than 91%
Accurate And Undamaged Orders	95%
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

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 17th August 2025

131

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

“Brilliant, such an easy process has my car in 4 days”

Helpful Report

Posted 4 weeks ago

“Very Very poorly”

Helpful Report

Posted 1 month ago

Hello, Thank you for taking the time to share your feedback. We’re really sorry to hear that your experience hasn’t been as smooth as it should have been. Having looked into your application, we can see that your initial lender was unable to proceed because the income documents provided didn’t match the original figures. We worked quickly to find an alternative lender so that your finance could still be approved, and the application was successfully paid out. We understand the frustration caused by the delay at the dealership due to the issues identified with the vehicle. As soon as we were made aware, we explained all the options available - including waiting for the repairs to be completed or unwinding the agreement if you preferred not to continue. I hope this helps. If you have any further queries or issues, please email complaints@evolutionfunding.com and a member of our team will get back to you as soon as possible. Kind regards, My Car Credit

Posted 3 weeks ago

“Thanks to molly for all the help great customer service”

Helpful Report

Posted 1 month ago

“This company genuinely saved me thousands of pounds! I’m still shocked at how they managed to structure the deal — they secured me an offer with 8% lower interest, and I honestly couldn’t be more grateful. I can’t say enough good things about them. From start to finish, the experience was flawless. I applied through Experian (not the other brokers) and was matched with this company — and they took care of everything instantly. From zero to 100% in one go. Absolutely outstanding service. Highly recommended! 👍”

Helpful Report

Posted 1 month ago

“Everything was handled with such ease and professionalism.”

Helpful Report

Posted 1 month ago

“Joseph was really good at communicating with me throughout my application, will definitely recommend them!”

Helpful Report

Posted 1 month ago

“Very helpful in finding me a car I was having problems finding the right one I wanted they did a search and within minutes found the one I wanted. Very professional company car was found on the Thursday singed for on the Friday at dinner time got the car on the Saturday morning would definitely recommend using this company all the staff are very knowledgeable and helpful”

Evolution Funding Ltd T/A My Car Credit 5 star review on 30th November 2025

Helpful Report

Posted 1 month ago

“5 star Chloe Lucas was was fantastic from start to finish and everything went do smooth”

Helpful Report

Posted 1 month ago

“Joshua was very helpful and explain everything to me”

Helpful Report

Posted 1 month ago

“Friendly and supportive. Application did not take too much time to complete.”

Helpful Report

Posted 1 month ago

“Very fast, efficient and a pleasure to work with. Thank you!”

Helpful Report

Posted 1 month ago

“My car credit is the best car finance i have ever used. They were able to get me my dream car in 2 days of applying with them. Very fast and efficient. I highly recommend working with them.”

Evolution Funding Ltd T/A My Car Credit 5 star review on 22nd November 2025

Helpful Report

Posted 1 month ago

“Nice staff, kind and helpful, answered all my questions and communicated with me every step.”

Helpful Report

Posted 1 month ago

“Fast turnaround from initial enquiry to picking up my car, will use again and thanks Connor.”

Helpful Report

Posted 1 month ago

“Really quick and easy process. They beat all the finance providers with a great interest rate.”

Helpful Report

Posted 1 month ago

“Thank you Hadi for a first class service. You took all the stress out of changing vehicle. I would have no hesitation recommending Evolution Vehicle Funding t/a My Car Credit to my family and friends”

Helpful Report

Posted 1 month ago

“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

Helpful Report

Posted 1 month 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 .”

Helpful Report

Posted 1 month 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.”

Helpful Report

Posted 1 month 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 1 month ago

“Excellent friendly service.”

Helpful Report

Posted 1 month ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,460 reviews