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 5,368 Reviews

97 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,368 reviews

Shipping & Delivery
Delivery Methods	Own Driver, Courier
Average Delivery Time	Next Day
On-time Delivery	Greater than 92%
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

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Evolution Funding Ltd T/A My Car Credit 5 star review on 17th August 2025

131

Anonymous

Anonymous // 01/01/2019

Filter: Rated 3 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Nice and quick once the process was started although certain aspects of the application could have been clearer and no clear indicator of what would happen in relation to the finance if the vehicle would have to be returned under the dealers 14 day return/ exchange policy once received ?? (On writing this review I still have not received the vehicle a week on from the finance being paid due to the dealer backlog in preparing the car.) Also I had requested two quotes for different vehicles based on budget but only given the option to submit one? Hopefully everything will be ok once I receive the car but it would have been nice for some details to be clearer.”

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Posted 3 years ago

Dear Laurance, thank you for taking the time to provide your feedback. We are pleased to hear that once underway, things moved quickly. However, we are sorry that you also experienced issues with communication, and this has been fed back to our team. In terms of obtaining two quotes, our system only allows one 'live' vehicle at a time to be submitted as this helps reduce any vehicle errors going forward. We have attempted to contact you to discuss the backlog issue with the dealer but have been unable to get through. We hope you have now collected your vehicle but please get in touch if we can be of any further assistance. Kind regards, My Car Credit

Posted 3 years ago

“Was okay but took a while to sort things and still not received any documentation”

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Posted 3 years ago

Dear John, thank you for taking the time to provide feedback. We have looked further into your comments and can see that we contacted you promptly to progress your application. We requested an invoice from your dealer on the same day. However, it took several days for the invoice to be submitted to us, something outside of our control. We chased the missing paperwork on numerous occasions on your behalf whilst also keeping you updated on progress. In terms of the documentation, you will have been allowed to download this when you completed your digital signing. If you didn't do this at the time, you will need to contact your lender as we do not have access to your documentation. We hope this helps with resolving this final stage and hope you are now enjoying your new car. Kind regards, My Car Credit.

Posted 3 years ago

“Josh was excellent but it didn't help to have an email confirming funds when in fact it hadn't been processed. Josh saved the day by getting the treasurer to make a separate payment”

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Posted 3 years ago

“Clarity and communication needs improvement. I could have taken the delivery of the car sooner if I had been told things clearly.”

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Posted 3 years ago

“Very quick & easy to apply, however a bit disappointed on the high interest rate not at all what I was expecting as my credit score is rated by ClearScore as excellent plus your rates as advertised are a lot lower . I’m aware everything is subject to status but my Status is very good .”

Helpful Report

Posted 3 years ago

Hi Simon, thank you for your comments. We have checked over your application and reviewed recordings of your calls with our advisors. It does appear that you opted for a particular type of finance that met your specific needs and that you were advised that the rates would be higher with this option and you still instructed us to proceed. We are pleased to hear that you found the process quick and easy and hope that you have found a suitable vehicle. Kind regards, My Car Credit

Posted 3 years ago

“Very long winded process, I have used car finance 24/7 before and they literally pay out straight away same day not a 3 working day timescale. Maybe you should adopt this style especially in this day and age when you can send thousands of pounds instantly to any where in the world it seems a little draconian that it’s taking 3 days. My advisor was great though! Your staff certainly save the processes you have in place. The team are brilliant but I highly doubt I will use the company again. Please can I highlight again molly gee was brilliant a great asset to the team along with all the other staff members I spoke too, it’s just a shame there are limitations. I think it’s fair to say though that you did come to my aide when Zopa messed up and for that I am greatful!”

Helpful Report

Posted 3 years ago

Hi Adam, thank you for leaving us a review and we're sorry that you experienced an issue with one of our panel of lenders. Zopa is a very reputable and reliable lender and we can assure you that this is an isolated incident relating to a technical issue. Thank you for your comments about our advisors, who have worked hard to find solutions for our customers whilst these technical issues are being resolved. We hope you are now enjoying your new car and that you will consider using us again in the future. Kind regards, My Car Credit

Posted 3 years ago

“Simon was fantastic , process started out smooth but stalled with myself chasing a lot, I have to say maybe consultants should not make promises they don't stand up to in terms of following through the full deal . All in all I now have a car at least thanks to Simon !”

Helpful Report

Posted 4 years ago

Dear Customer, we're sorry to hear that you have not been fully satisfied with your experience with us. We are unsure of what promises have been made that weren't then fulfilled but we're pleased to hear that Simon was able to assist you in the end. We hope you're enjoying your new car. Kind regards, My Car Credit.

Posted 4 years ago

“Applied for a car loan/finance not to long ago replied with an email. To say I'm accepted but not confirming the amount I'm entitled to...... Can some talk me threw the process.... are they a lender or if not can someone tell me potential lenders. Thank you guys, Jay”

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Posted 4 years ago

“Brianna was a pleasure to deal with however the process I would describe as ‘clunky’ the process split over many separate phone calls and being asked to repeat the same information multiple times many times in a day sometimes even in the same phone call gets very tedious, one phone call I had to repeat my date of birth and address as security questions three separate times, I had to go through the same identity security check twice today going through the same questions. The garage supplying the car has given me the same feedback about the dealings from their end also.”

Helpful Report

Posted 4 years ago

Hi Matt, thank you for your feedback and we're sorry to hear that your experience didn't go as smoothly as you'd hoped. During Covid lockdowns, there does tend to be an increase in criteria and security checks requested by the lender. We appreciate this can be frustrating but this is for the protection of all parties - you, the lender, the dealer and us, the broker. There were also delays created by the dealer sending through incorrect paperwork, which we then needed to resolve. Thank you for your patience in all of this and we hope you're now enjoying your new car. Kind regards, My Car Credit.

Posted 4 years ago

“Very good customer service. Finance did take a lot longer than expected though. But a very good price.”

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Posted 4 years ago

“Very good customer service. Finance did take a lot longer than expected though. But a very good price.”

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Posted 4 years ago

“Staff efficient on the whole, unfortunately a rather last minute protracted process. Some chasing needed.”

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Posted 5 years ago

“The service is good but very slowly! I had to call back every day for 5 days to find out the results of my application. If you are desperate for a finance is ok.”

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Posted 6 years ago

Hi, thanks for taking the time to leave us a review, we really appreciate your feedback. We are sorry to hear you experienced some communication problems from our team - we strive for excellent customer service and have clearly let you down on this occasion! Your feedback has been passed on to the relevant teams to drive improvements, we hope you are enjoying your new vehicle. With regards, My Car Credit

Posted 6 years ago

“Okay, received the car I chose only about 3 days after my application but took the team over 5 hours to change a simple document, then told me I’d get a call back once they’d heard something but I wasn’t called, then when I picked up my car from a dealership they added another £100 fee which I had heard nothing about previously, not the best service but got the job done I guess”

Helpful Report

Posted 6 years ago

Hi, thanks for taking the time to leave us a review. We are sorry to hear that you experienced some communication issues - we strive for excellent customer service and have clearly let you down on this occasion. We have passed your comments on to to the relevant teams to drive improvements. With regards, My Car Credit.

Posted 6 years ago

“Applied and like everyone was accepted, and a phone call later was told it was being passed to the underwriters, not heard anything since.”

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Posted 6 years ago

Hi Tracy, thanks for taking the time to leave us a review. We are so sorry to hear you have experienced some communication problems - one of our team will be in touch shortly to update you on your application, sorry for the delay! With regards, My Car Credit

Posted 6 years ago

“Eventually they got it right!!! But my god... it took a team leader a lot of will and hard work (impressed) to sort out the call handlers failings (not impressed) But in essence pretty good rates and I’m sure the negatives of service were a one off.”

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Posted 6 years ago

“Help me get my car in 4-5 days”

Helpful Report

Posted 6 years ago

Hi Oluwaseyi, thanks for taking the time to leave us a review. We are sorry to hear that you didn't have a 5 star experience at My Car Credit - we strive for excellent customer service and have let you down on this occasion. Please let us know if there was anything further we could have done to improve your experience with us. Hope you are enjoying the new wheels! Thanks, My Car Credit.

Posted 6 years ago

“Good Interested rates compared to others.”

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Posted 6 years ago

“Laura was quite short and came across like she really wasn't interested. However Chloe whom dealt with me over the weekend was enthusiastic and couldn't of been more helpful.”

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Posted 6 years ago

“Very long winded process”

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Posted 6 years ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,368 reviews