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 5,651 Reviews

96 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,651 reviews

Shipping & Delivery
Delivery Methods	Own Driver
On-time Delivery	100%
Customer Service
Communication Channels	Telephone, Live Chat, Email
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

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Although efficient and speedy, pre approved rate wasn’t as advertised and they gotten wage wrong in the affordability section which could of affected my APR considerably”

Helpful Report

Posted 3 years ago

Hi Karl, Thanks for taking the time to leave us a review. We're sorry to hear that you weren't 100% happy with our service for you, regarding the online application process and the rate. Our pre-approved rates are generated based on the information provided at the time of application; on confirming the information with one of our Advisors your application was updated to rectify the incorrect wage details submitted from your initial application. It was then submitted to our full panel of lenders and we exhausted all possible options before finding you a rate you were comfortable in moving forward with. Your feedback has been passed back to the relevant teams to drive improvements in our service, and we hope you enjoy your new vehicle. With regards, My Car Credit.

Posted 3 years ago

“A complete shambles from start to finish.”

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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

“Process was so easy. I applied online and then dealt with Leah. She was fantastic, kept me updated and answered any questions I had. Got a great APR and the customer service levels were brilliant. Would highly recommend.”

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Posted 3 years ago

“Payout process could be a bit quicker”

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Posted 3 years ago

“Very professional and very fast and easy.”

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Posted 3 years ago

“Overall straight forward process and excellent service from my car credit but would recommend them having a process where the client can track the whole process online (from the application acceptance to money being paid out to the dealer) as it saves the client from calling my car credit for progress updates.”

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Posted 3 years ago

“excellent experience and sophie was so helpful and amazing at her job. thank you.”

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Posted 3 years ago

“Simple painless process excellent customer service”

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Posted 3 years ago

“Very good and they’re really helpful to go through what you need”

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Posted 3 years ago

“Best service”

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Posted 3 years ago

“Thank you very much to the lovely team and the extraordinary service.”

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Posted 3 years ago

“You need to call to find out what they need. They don't call you, they don't send you an email requesting anything, it's only when you call that you find out what they need. Delay in the process I ended up losing two vehicles because they were sold due to the delay.”

Helpful Report

Posted 3 years ago

Dear Arnaldo, Thank you for taking the time to leave your review and we are sorry to hear that you experienced delays in communication. It appears that there were lender system issues which contributed to this. However, we agree that we could have done a better job of keeping you informed over this time. We apologise for any inconvenience caused and hope you are now enjoying your new car. Kind regards, My Car Credit

Posted 3 years ago

“Initially the whole process was a nightmare. The person who answered the telephone wanted sacking! Called me ‘love’ and never passed on appropriate messages. If I hadn’t wanted this particular car then I’d have given up! Eventually I go through to a professional hooray! Things went great from there so thank you David.”

Helpful Report

Posted 3 years ago

Dear Customer, Thank you for taking the time to leave your review. We take all feedback seriously and so we investigated your comments further. All calls are recorded for training and quality purposes and having listened to every call, we are satisfied that our high standards have been achieved. Your advisor does use 'love' at the end of one call and so we apologise for any offence caused but overall, they are friendly and helpful throughout and your dissatisfaction is not evident on any of the calls. We are sorry you were not happy with your experience but hope that you are now enjoying your new car. Kind regards, My Car Credit

Posted 3 years ago

“Great service, swift replies and car finance in place within a few days. All very straight forward. Many thanks”

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Posted 3 years ago

“Absolutely amazing experience.....very helpful and friendly and patient ! An altogether pain free process from start to finish Couldn't have been more customer focussed.....excellent..”

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Posted 3 years ago

“Thank you so much Lea from AA Car finance amazing service got me the best APR. Communication amazing and she dealt with the car garage so less hassle for me thank you”

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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.”

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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

“I didn't think that I would be able to get car credit but now I'm sat here, a week after applying, with my amazing new car! Everyone at My Car Credit was really helpful, polite and professional.”

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Posted 3 years ago

“Very easy process from start to finish, pick up my new car on Monday”

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Posted 3 years ago

“Very Easy process. All staff friendly and helpful.”

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Posted 3 years ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,651 reviews