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 5,632 Reviews

96 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,632 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

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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

“Terrible! Constantly lied to me about the status of my finance application. Constantly lied to me about communicating with the dealership. If I wasn't so far into the process at that point I wouldn't have "left" and used a different company.”

Helpful Report

Posted 1 year ago

Dear Werner, Thank you for your review. We are sorry to hear that you have not been happy with the service you’ve received from My Car Credit. Providing an honest, friendly and seamless experience is extremely important to us, so we have looked into your application further. Although we never aim to lie or mislead our customers in any way and strongly believe we have not done so in this instance, we acknowledge that we could have handled your application more efficiently, and any errors that your application faced have been fed back to our team to help drive improvements in our process to maintain our usually high standards. We would also like to note that, despite our best efforts to process things quickly, time frames for an application can also be impacted by the dealership involved. Kind regards, My Car Credit

Posted 1 year ago

“Having used this company twice before we are totally shocked at the apauling way we have been treat this time. We gave the handler personal information that should have flagged up concerns and a better duty of care. But instead he and his fellow work companions chose to ignore this. I have taken this matter to another level as a complaint. The handlers caused unnecessary, anxiety and stress and the information requested left us feeling vulnerable and as though we have been scammed.”

Helpful Report

Posted 2 years ago

Hello, Thank you for leaving a review. We are sorry to hear that you are unhappy with the experience you received from My Car Credit on this occasion. We strive to provide excellent service for every customer, and we have listened to your feedback and made our complaints department aware. A thorough investigation into your application is being made, and we hope you get your matter resolved to your satisfaction. Kind regards, My Car Credit

Posted 2 years ago

“I have used this company twice in the past, this time was a nightmare for some reason. We will not use them again. Unnecessary problems were created, the application felt more like I was being scammed and 10 days of harassment daily for information that was not warranted. I made a complaint to the Ombudsman.”

Helpful Report

Posted 2 years ago

“Good to start off with but quickly declined. Messed up invoicing process despite being told by myself and the car dealer where the errors were. This meant that the car was delayed in getting to me. I constantly had to ring and chase (6 times over 2 working days) and was told something new each time. On the phone I was patronised and staff were unhelpful. I asked for my case to be escalated and compensation and was told there was no process. It felt like my car credit couldn’t understand the invoices even through they were correct. They didn’t listen to myself or my car dealer and refused to take responsibility for causing delays. They weren’t apologetic or accepting of my needs.”

Helpful Report

Posted 2 years ago

Dear Megan, Thank you for your feedback, and we are sorry to hear about the delays you experienced during your application. While we always strive to provide a fast and seamless service, external factors can sometimes affect the speed at which we can process your application. We can confirm that we treated your application with due diligence and within the agreed time frames dictated by the Dealership. We hope you enjoy your new car. Kind regards, My Car Credit

Posted 2 years ago

“Still waiting”

Helpful Report

Posted 2 years ago

Hi, thanks for leaving a review. We are sorry to hear that you have had a poor experience. A member of our team has tried to reach out to you for further support to see if we can resolve the issue, but we haven't been able to make contact with you. Please get in touch with us on 01246 458810 if there is anything we can do to help you further. With regards, My Car Credit.

Posted 2 years ago

“I would not recommend this company. I have had nothing but trouble since starting with them. The company would tell us one thing to keep us interested then do the exact opposite. We missed out on so many cars while waiting for them to sort the finance. We were actually told we are good to go and they received everything they needed to pay the dealership, however after travelling 4.5 hours we were told the broker had pulled the finance so we had a 4.5 hour travel back, wasted fuel and exhausted not to mention we had our child with us. I would definitely stay away from My Car Credit.”

Helpful Report

Posted 2 years ago

Hi Tracy, Thank you for leaving us a review. We take all negative feedback seriously and we are currently undergoing an investigation into your application. Our advisors are currently working to resolve the issue, and we will remain in touch as we progress your application. Kind regards, My Car Credit

Posted 2 years ago

“I was told I was accepted and made to pay £495 to secure the car. After four days when I was on my way to pay the £12,000 deposit so that my car would be ready for pickup, they called me and said, 'Sorry, we changed our mind and we cannot give you the loan.' On top of that, the garage refused to refund my deposit! If that's not enough, I made an insurance payment of a little over £6,000 and also ordered deployable side steps for £1,550, which are also not returnable! I am devastated and feel suicidal. You are the worst thing that has happened in my life. I wish I had never known you.”

Helpful Report

Posted 2 years ago

Dear Arsan, we are sorry to hear about how unhappy you are with your experience. Unfortunately, there were circumstances beyond our control which led to your application being declined. Should you wish to make a complaint, please email complaints@evolutionfunding.com, and we will be happy to investigate the matter further. Kind regards, My Car Credit

Posted 2 years ago

“The process of getting my finance was very straight forward, the man I dealt with was excellent and I was really happy. I was informed my finance had been released to the dealer and would be there by the end of the day. I waited at the dealership for 3 hours, no money arrived. The following morning I arranged a second collection of my vehicle, and the money was still not in their account. I have been informed this is because they’ve sent the money via BACS which takes longer to process and was unnecessary. So I am still waiting around for my vehicle. Extremely poor service.”

Helpful Report

Posted 2 years ago

Dear Keely, thank you for taking the time to review us and we are sorry to hear that the latter stages of your application have not gone smoothly. One of our team is attempting to contact you to discuss your review and clarify the situation. Kind regards, My Car Credit.

Posted 2 years ago

“IF I could give you a big fat 0 I would , Got finance in place with these guys , they ran what they call a dummy vehicle through on a car with Moto novo Car finance which came back accepted . All good to go find a vehicle . The company did not say every time we check a car it will leave footprints on your credit file , or to this point an hard search . Basically you could be accepted , & everyone you apply for a vehicle you could eventually be declined , or your credit score will go into another score band , meaning higher Apr . Found a vehicle after an extensive search Phoned them for them to turn round and say Finance had been declined and they could not work with me anymore , asked for explanation same rubbish take it up with credit reference agency , Sorry I have my banding in front of me , there’s no flags on my credit file . Suspicion started to arise and do not ask me why as a finance credit broker you did not want my business . So I phoned Moto novo , guess what my suspicions was right . Finance was still in place , Part ex was sold finance was given signed & now have my new car . Big thumbs down for me , But thank you for giving me the finance company’s details . Bizarre how you want to loose people’s business Maybe some people who work for you are not doing the job properly Jack . I’d never come to you again and I will be reporting you to the credit reference agency’s for lack of compliance & to the FCA .”

Helpful Report

Posted 2 years ago

Dear Customer, we are sorry to hear that you are unhappy with your experience. We are unable to provide additional information on a public platform and wish you all the best with securing finance elsewhere. Kind regards, My Car Credit.

Posted 2 years ago

“Jerome was great and amazing customer service from him however the service is extremely slow to find a loan partner and to pay out. The process has taken a week from applying to getting the loan company pay out. Would have been better sourcing a loan myself”

Helpful Report

Posted 2 years ago

Hi, thanks for providing us with feedback on your experience. We are glad to hear you had a positive experience with Jerome - we have fed your comments back to him. Regarding your negative experience; we take all feedback very seriously and so have looked into your application further. We acknowledge that there were some delays in your application following submission to the lender as they made their checks. We apologise for any inconvenience caused, and hope you are enjoying your new vehicle. Kind regards, My Car Credit.

Posted 2 years ago

“Well It was worst experience they gave me approval get my agreement on place and when funds were released to the dealer from finance company they gave me no reason why cancelling it at last minute it was a nightmare I won't refer to anybody..”

Helpful Report

Posted 2 years ago

Dear Appu, we are sorry to hear that you are unhappy with your experience. We are unable to provide additional information on a public platform and wish you all the best with securing finance elsewhere. Kind regards, My Car Credit.

Posted 2 years ago

“Well if the start is anything to go by I'd not recommend using these lot. Been told I was accepted for finance so applied, I've since been spammed with multiple emails telling me to continue my application. I've responded several times over the course of today and yesterday regarding a car I have found and queried whether MCC will provide the finance for it. So far I've had zero response and a further spam email telling me to continue the application! This is ridiculous.”

Helpful Report

Posted 2 years ago

Hi, thanks for leaving us a review. We are sorry to hear you were dissatisfied with our service - upon seeing your review one of our Team Leaders reached out immediately to resolve your application status. Unfortunately we were unable to achieve a suitable outcome for you; your experience has been fed back to our team to drive improvements across our service, and we apologise for any inconvenience caused. With regards, My Car Credit.

Posted 2 years ago

“I have been extremely unimpressed by the dysfunction of the application process over the past week and will be seeking compensation for the time and money it has cost me. Not only was I told on numerous occasions that the finances would be sent to the dealer in time prior to my collection of the vehicle on Friday, September 8 2023, but I was also told the morning of. This date of collection had been known of at the start of the application process on Tuesday. In preparation, my partner and I had already pre-bought train tickets so that I could collect the car on this day over 200 miles from my home. Then on the morning of the collection date, I was told that the funds "might" be in the account by the time I reached the dealer, only to be told by the dealer that the funds had not been transferred when I arrived in Newcastle. Now without a car, me and my partner have had to spend more money on additional train tickets back home during rush hour. The dealer himself has also assured me that he has also experienced the same dysfunction from your sales team and finance department this week and has encouraged me to seek compensation.”

Helpful Report

Posted 2 years ago

Hi, Thanks for leaving us a review. We are sorry to hear you were dissatisfied with our service. We take all negative reviews very seriously and so have looked further into your application. There were some issues with the lender's e-Sign which did unfortunately lead to a delay in payout. We do advise customers that arrangements for collection of the vehicle should only be made following confirmation of payout, as there may be instances where transfer of funds to the dealer is delayed. We acknowledge that our communication with yourself and the dealer could have been clearer, and your experience has been fed back to our team to drive improvements across our service. We apologise for any inconvenience caused and hope you are enjoying your new vehicle. With regards, My Car Credit

Posted 2 years ago

“Horrible communication”

Helpful Report

Posted 3 years ago

Dear Customer, We are sorry to hear that you have had a poor experience. Your comment has been flagged to our team and is being investigated in detail as we agree that the communication on this application has been less than satisfactory. We sincerely apologise for the situation and for the inconvenience caused. Kind regards, My Car Credit

Posted 3 years ago

“Worst experience of my life! Still not received my vehicle. My 14 days have started on the finance return policy and my vehicle (which I haven’t seen yet) will be ready at best 11/12 days into my 14 days. Giving me 2/3 days to make a rushed decision on if I want this vehicle. Been lied to multiple times by my car credit and the company’s they work with. Would NOT recommend to anyone!”

Helpful Report

Posted 3 years ago

Hi Joe, We are sorry to hear you are experiencing issues with collecting your vehicle. One of our Team Leaders is trying to get in touch to support you in resolving this issue - we take negative feedback very seriously and have looked into your application with us. We are satisfied that we have provided you with a high level of service throughout your application with My Car Credit; we also ensure to work with dealers who are vetted for their trustworthiness, financial stability and reliability, and so your experience will be fed back to our team to improve our services. With regards, My Car Credit.

Posted 3 years ago

“They have misleading information and made false promises about timelines. They then didn't take ownership to reduce the impacts of that. At various points they claimed the dealer had been paid when they hadn't. Initially they said that everything should be sorted within a day, then it was to be 24 hours, then it was to be up to another 24 hours and then another day too. I had emails texts and calls that all conflicted.”

Helpful Report

Posted 3 years ago

Dear Customer, Thank you for taking the time to leave your review and we are sorry to hear that you were left unsatisfied with our service. We take all feedback very seriously and have looked into your application and experience with us. There were some delays in banking which contributed to the change in timelines that you had flagged - our team worked to resolve this as quickly as possible, and a Team Leader reached out to talk you through the circumstances relating to your application. We apologise for any inconvenience caused and hope you are enjoying your new car. Kind Regards, My Car Credit

Posted 3 years ago

“A complete shambles from start to finish.”

Helpful Report

Posted 3 years ago

Hi Robert, We're sorry to see that you have left us a 1* review. We take all feedback seriously and have reviewed your application and experience with us. We can see that there was a lot of back and forth during the processing of your application. Some of this was unavoidable due to the due diligence we perform on behalf of the lender, as well as the franchise dealer with their own additional processes. However, we do appreciate that your experience as details were worked through will have been frustrating, including working through with the dealership the additional extras to get the application accepted with the lender. We apologise for any inconvenience caused, and hope you are enjoying your new car. Kind regards, My Car Credit

Posted 3 years ago

“Absolutely shocking! Brianna, from mycarcredit was wonderful and needs mention as being fantastic. However, the "approved dealer" is a complete disappointment. I haven' heard from them even though my finance was approved 10 days ago. I have had to call repeatedly to find out when I can collect the vehicle, only to be given one excuse after the next and promised a call, but have yet to get that call. I suggest you look at who your approved dealers are, because I had to settle on a car which wasn't the best price or lowest mileage because it had to be one of yours, but I haven't heard from them, have heard every excuse, and am now wondering if this is all a scam, or if the vehicle is in such bad condition that I was mislead. I am cancelling the whole transaction and will go elsewhere where I can hopefully finance a vehicle I can actually collect before I start paying for it.”

Helpful Report

Posted 3 years ago

Dear Customer, Thank you for taking the time to leave your honest feedback. We are delighted that Brianna provided a great experience. However, it is disappointing to hear that one of our approved dealers has let you down and this has been raised with the dealer's Evolution Account Manager. We do have strict criteria when approving dealers and expect a high standard of service and so we will investigate further what has happened here. We apologise for any inconvenience caused and hope you have been successful in finding an alternative vehicle. Kind regards, My Car Credit

Posted 3 years ago

“10 days ago I have paid deposit for car, 5 days ago I was approved and direct debit setup, received the email saying everything is done. Today I was told I can pick up the car later. Received a call saying that I can't pick up the car and they can't tell me when I will pick up the car.”

Helpful Report

Posted 3 years ago

“5 days since I was approved, direct debit setup, received the email saying everything is done and yet I don't have the car, today been told that I will definitely have the car, after few hours received a phone call saying that I won't have the car and they don't know when I will have the car. Forgot to mention that deposit for car was paid 10 days ago.”

Helpful Report

Posted 3 years ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,632 reviews