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Evolution Funding Ltd T/A My Car Credit Reviews

4.8 Rating 5,251 Reviews
97 %
of reviewers recommend Evolution Funding Ltd T/A My Car Credit
Company Reviews Metrics Info
4.8
Based on 5,251 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
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 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

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Cambridge Kisby
Verified Buyer
“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 1 year 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 1 year ago
Anonymous
Verified Buyer
“Horrible communication”
Helpful Report
Posted 1 year 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 1 year ago
Joe Clements
Verified Buyer
“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 1 year 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 1 year ago
Anonymous
Verified Buyer
“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 1 year 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 1 year ago
Robert Motley
Verified Buyer
“A complete shambles from start to finish.”
Helpful Report
Posted 1 year 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 1 year ago
Anonymous
Verified Reviewer
“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 1 year 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 1 year ago
Anonymous
Verified Buyer
“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 2 years ago
Anonymous
Verified Reviewer
“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 2 years ago
Richard Ockenden
Verified Buyer
“Process started well however 2.5 weeks later the dealer has still not received the funds so I am unable to collect the car. Funds were released on Saturday, not received on the Monday. Then told on Tuesday the money hadn’t been released on Saturday but was done on Monday. Yet the dealer has still not received the money. despite calling multiple times for updates and an eta. I have heard nothing from My Car Credit.”
Helpful Report
Posted 2 years ago
Anonymous
Unverified Reviewer
“Never again ..applied 4 weeks ago got accepted sent in relevant documents and never heard back from anyone again Definitely not recommend this company at all”
Helpful Report
Posted 2 years ago
Dear Customer, we're sorry that you have been unhappy with our service. We take all feedback seriously and therefore have investigated your comments. We record all activity, including calls, for training and quality purposes and therefore can see that our advisor was unable to contact you on several occasions. Whilst you did eventually call us, you were unable to prove identity over the phone and so we could not progress with the call. After that, we agree that no further contact was made by us. We apologise for any inconvenience caused. Kind regards, My Car Credit.
Posted 2 years ago
Matthew Boyce
Verified Buyer
“The most drawn out process.”
Helpful Report
Posted 2 years ago
Dear Matthew, thank you for providing your feedback and we're sorry that you have not had the smoothest of experiences. Unfortunately, an issue with the lender's systems led to delays which we made you aware of and offered to try a different lender. However, you asked us to wait for the issue to be resolved. We then needed to perform our final checks prior to payout and were unable to reach you in a timely manner. We apologise for the delays and inconvenience caused and hope you are now enjoying your new vehicle. Kind regards, My Car Credit.
Posted 2 years ago
Karolina Tomaszewska
Verified Buyer
“Avoid!!!Avoid!!!Absolutley joke!Poor communication!Rude staff!”
Helpful Report
Posted 2 years ago
Anonymous
Verified Reviewer
“Terrible company, IT doesn't work and when you call to discuss they cut you off and refuse to take a complaint or let you speak to a manager (CEO doesn't exist apparently!) No response to written complaint and no explanation as to abusive nature of their staff! Would leave zero stars if that were possible”
Helpful Report
Posted 2 years ago
Dear Customer, we are sorry to hear that you are unhappy with our service. We take all complaints seriously and as all calls are recorded for training and quality purposes, we have been able to review the conversations between you and our advisors. We cannot identify any occasion where our staff were abusive towards you. Whilst we appreciate you were frustrated with some aspects of the application process, we also cannot tolerate abusive language towards our own staff which unfortunately did occur. We agree that your request to submit a complaint could have been handled much better and therefore we are making changes to our process to improve that experience. We apologise for any inconvenience caused. Kind regards, My Car Credit.
Posted 2 years ago
Taina
Unverified Reviewer
“Once again I come here to complain about this company, I’ve cancelled the loan with less than 14 days period, was within 12 days period from the dates that I’ve signed the contract. The reason why I’ve cancelled was because they have done two credit checks in my name and at the end the dealer have already sold the car, so if I was going to chose another car the was going to do a 3rd credit check. So I’ve cancelled everything. After a week that I’ve cancelled it was still saying in my reports that I “had the money” I’ve contact Santander finance team and they told me that it was still active that they didn’t had no information about me cancelling the loan. So that means this company is absolutely unresponsive, they haven’t contacted Santander to inform them that I’ve cancelled the loan, and it’s been now two weeks and some days that “my car finance” doesn’t have any information about my case, that they are still waiting to the “dealership” to “accept” that I’ve cancelled the Loan. A dealership that I’ve sold the car that I wanted, that I haven’t signed any contract with them. So guys don’t you ever go with this company in case if you decide to cancel the loan or change car. They are terrible resolving your problem. If I didn’t called Santander, they would still take money from my bank account on the 27th of this month. I’ve cancelled the loan on the 11th of October. Lucky me that Santander changed the date until the 28th of November so “my car finance” inform them that I’ve cancelled and they are happy to cancel that. Worse thing that I’ve even done in my life.”
Helpful Report
Posted 2 years ago
Dear Taina, we are sorry that you are unhappy with your situation. We have attempted to contact you on numerous occasions to discuss but you have been unreachable, nor have you returned our calls. We appreciate your frustrations and we would like to help resolve the situation but there is very little we can do if we cannot speak to you. If you would like to discuss the matter, please call the office on 01246 458 810. Kind regards, My Car Credit.
Posted 2 years ago
Taina
Unverified Reviewer
“I’m actually really upset and angry with everything. If I new that you guys would take so long to change a car that I’ve chosen (a car that I haven’t even send face to face, when I did saw I didn’t like the car). So guys just in case if anyone is looking to take a finance with them, make sure you go to the dealer and see the car first before calling the credit finance to add your car, because they take ages to change just the car details, to the car that you want. The credit finance have deposit the money to the dealer and the car that I wanted was with the same dealer and the amount was the same, so all they had to do is contact the finance department to change the car details and send me the new cantava with the details of the new car. Now they are getting the money back from the dealer so they can do a new documents and then send the money back again to them. So be in mind that in cause by any change you decide that you don’t like the car, they are not as helpful and quickly as they was at the first time time. It’s going to be a week that I’ve decided to change the car and every day I have to give them a call to know what’s going on. And they don’t seem to help and do anything about it. It’s really frustrating. If they don’t resolve by the end of this week I will cancel all the loan. So guys don’t go as far to find a car get a car local to you, so you can see the car before agreeing to anything”
Helpful Report
Posted 2 years ago
Dear Taina, we're sorry to hear that you're not happy with the service you've received. Unfortunately in your situation, it is not always a simple case of swapping one car for another once the finance has been paid out. Instead, the initial agreement needs to be unwound and a new agreement put in place. It is this process that is taking time. Once your initial agreement has been unwound by your lender, we can proceed with the next stage. Kind regards, My Car Credit.
Posted 2 years ago
Taina Silva Rocha
Verified Buyer
“Not happy about it, because I went to get the car, and I didn’t like the car. So the agency told me to contact again with my car credit. My car Credit told me to re do a new application form, they’ve said they would try to speak with Santander to change the car over to the new car that I like which is with the same company. The money from the loan is already with the company and they are taking so long to just to change over the car. The amount of money is the same, and the only thing that they should do is just to get me a new agreement. But they want to take the money over again, so they can send it back again to the car company for the new car.”
Helpful Report
Posted 2 years ago
Dear Taina, we're sorry to hear that you're not happy with the service you've received. Unfortunately in your situation, it is not always a simple case of swapping one car for another once the finance has been paid out. Instead, the initial agreement needs to be unwound and a new agreement put in place. It is this process that is taking time. Once your initial agreement has been unwound by your lender, we can proceed with the next stage. Kind regards, My Car Credit.
Posted 2 years ago
Mthandeki Mpanza
Verified Buyer
“Bought a car online via Evolution Funding. Car broke down 2 days after leaving the showroom. I returned the car and opted to reject the goods and the finance which was well within the 14 days cooling off period. Evolution never helped, they simply passed the problem and said it’s not their problem. By the way I still don’t have the car, the dealer is apparently still fixing it, it’s been 36 days now. I say apparently because there has been zero communication from anyone. I will never use Evolution Funding, friendly at the start but terrible after sales service. I hope no one else got out like I did”
Helpful Report
Posted 2 years ago
Dear Mthandeki, thank you for leaving us your feedback. We take all complaints seriously and so have investigated this matter thoroughly, including listening to call recordings. We have been able to establish that given the circumstances, you have been advised correctly to contact your lender and open a complaint with them. As your finance agreement is with them and not with us as the broker, we are unable to assist with any issues that may arise once the agreement has been completed. We hope you are successful in resolving the matter via the correct routes. Kind regards, My Car Credit
Posted 2 years ago
Andra Bodea
Unverified Reviewer
“For me at was a really bad experience that caused a lot of stress They never informed me that the dealership i chose was rejected by them, in the meantime i have paid a deposit for the car which was non refundable. I had to opt out, and this created a lot of stress because I had to urgently find another loan in order not to loose my deposit. Communication wasn't great at all.”
Helpful Report
Posted 2 years ago
Anonymous
Unverified Reviewer
“scammers stay well clear”
Helpful Report
Posted 3 years ago
Dear Customer, we’re disappointed that you have felt the need to leave us a 1* review. We have looked at your application and it appears that you wished to take out finance on behalf of another person - referred to as an accommodation deal. Even where a customer can afford finance on behalf of another person, accommodation deals are not supported by any of our lenders due to their high risk to both you and them. Should you wish to discuss the matter further, please feel free to get in contact. Kind regards, Evolution Funding T/A My Car Credit
Posted 3 years ago
Anonymous
Verified Reviewer
“Absolutely shocking service, was told to e sign a document so that I can go and view a car, they’ve then proceeded to put this car on my credit file even though I declined the car. Now that this is on my credit file they still won’t admit fault for this and I have been waiting for 12 days for an email confirmation to confirm I do not have finance on this vehicle. Poor from start to finish, quick to take a sale but don’t want to know when you have a complaint to make. Shocking.”
Helpful Report
Posted 3 years ago
Dear Customer, we are sorry that you have had a negative experience with us. Your matter has been escalated to our Complaints Team and therefore is going through the necessary process for resolution. Kind regards, My Car Credit.
Posted 3 years ago
Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,251 reviews
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