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Evolution Funding Ltd T/A My Car Credit Reviews

4.8 Rating 5,249 Reviews
97 %
of reviewers recommend Evolution Funding Ltd T/A My Car Credit
Company Reviews Metrics Info
4.8
Based on 5,249 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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Anonymous
Verified Reviewer
“What started out as an exciting prospect of a new second car became really stressful and drawn out as I was constantly given misleading information. The funds still haven’t been received”
Helpful Report
Posted 7 years ago
Simon Morgan
Unverified Reviewer
“Takes way too long it's been 2 weeks. Had to call them to find out what was going on. The vehicle I wanted is no longer available and still waiting!!!”
Helpful Report
Posted 7 years ago
Anonymous
Unverified Reviewer
“These people are robber they want to give u hard time only robber can borrow 10000 and want 15000 on top over 5 years What a brilliant business of p. Taking”
Helpful Report
Posted 7 years ago
Callum Miller
Unverified Reviewer
“** Dont waste your time with this bunch of liers and time waster ! ** I applied online and then phoned to confirm the numbers and other details, I then found a car off of my car credits car search feature i then phoned back to confirm that this was the car I wanted and was advised to go for a test drive this car wasn't local and I drove 150 miles to go and veiw it, i drove the car and loved i then paid a deposit so I wouldn't lose the car as you can remember I was already aproved so nothing to worry about, I then got home and called my car credit back and ask to proceed I was told someone would phone me the following day, i didn't get a phone call so I called them in the afternoon and was told the person that was dealing with my finace was busy and I would get a call back so I waited again with no contact so I called again and it wouldn't call my phone said user busy so I waited a while and called again, and again user busy so I tried putting 141 in front and it rang so my number had seemed to me to of been blocked! When I got through to someone again I was told Chris was busy and I asked for an alternative email I gave this and thought I wouldn't hear from them again. The next day I rang back and was told that my car credit could not help me and I would need to find a newer car something no older than 8 years old so a 2010. If you remember I had found this car on their website so why was it advertised if they could get finace for it. And I also lost my deposit for the car being taken off sale. I still get emails saying that Your application has been approved in by one of our lenders. Don't waste your time.”
Helpful Report
Posted 7 years ago
Dear Callum, I am the Marketing Manager at My Car Credit, I am extremely sorry to hear of your experience with us, would you like to give me a call at your earliest convenience to discuss? my number is 01246 458810, Kindest regards, Ella Brough.
Posted 7 years ago
John Farnsworth
Unverified Reviewer
“I applied using their 30 second search. It came back approved. I then received a call from Gary he confirmed my details and said he would get back to me. No bother to call me back. I called them and someone answered the phone and hung up on me. Don’t waste your time they only want to know bother with you if they can secure a loan. Right bunch of cowboys stay clear”
Helpful Report
Posted 7 years ago
Hello John, Im very sorry to hear about your dissatisfaction with My Car Credit, my name is Ella Brough, I am the Marketing Manager here at My Car Credit, if you would like to give me a call to discuss this further? My number is 01246 458810.
Posted 7 years ago
Anonymous
Verified Reviewer
“Wasted my time by lying to me. When I spoke to a second person about it they just got snappy with me saying that it was the weekend staff, she isn’t weekend staff... not my problem really, it was yours, yet the still didn’t seem to care.”
Helpful Report
Posted 7 years ago
Hello, I am the Marketing Manager at My Car Credit, I am extremely sorry to hear this, could you please send me an email explaining what has happened so that I can look into this straightaway for you? my email address is ellabrough@mycarcredit.co.uk
Posted 7 years ago
Aislin
Unverified Reviewer
“I found the staffs conduct to be rude and unprofessional unfortunately”
Helpful Report
Posted 7 years ago
Good Morning Aislin, we are very sorry to hear that you feel this way, I understand that you have been in touch with our management team and there has been a misunderstanding. If you are still feeling dissatisfied could you please call into the office on 01246 458810 and ask to speak to the office manager? ad we will make sure that we can resolve any issues. Thank you.
Posted 7 years ago
Clare Z
Verified Reviewer
“Service not as expected or indeed advertised in their sleek website. Person that took the original enquiry and offered us confirmed acceptance took off for holidays without letting us know, passed on to another who then rejected original deal and offered us 30 % loan!! The other thing they do is if a deposit is paid by card they don't take the dealer's receipt as proof, but ask you to send them copy of the front and BACK of your card (with the security code). Data Protection, what DP?”
Helpful Report
Posted 7 years ago
Hello Clare, we are extremely sorry that you feel like this, after some discussions with the team, it seems there has been some complications out of our control regarding your application. Requesting photo copies is not something that we ask for as routine, this was requested by the dealer who we have spoken to. We can assure you that we comply very strictly with your information which is very secure. We are sorry once again for any inconvenience caused. My Car Credit.
Posted 7 years ago
Anonymous
Unverified Reviewer
“Poor service, misleading information”
Helpful Report
Posted 7 years ago
Good afternoon, we are very sorry to hear that you feel this way. Please feel free to get in touch and explain if there is anything further that we can do to help you. The My Car Credit team.
Posted 7 years ago
Anonymous
Unverified Reviewer
“We found kirsty white very rude on the phone, little telephone manners and no questions realy answerd about the finance approval. We have dealt with other companies in the past which have been very very helpful. Just to let this company no the future of the company is held by the workers and workers like kirsty white are there to bring the company down to the brick. Get your workers to have good telephone manners. We will not be useing u guys even though you have approved our loan for the car.”
Helpful Report
Posted 7 years ago
Thank you making us aware of this unpleasant situation, customer service is our priority and we will look into this. We sincerely apologise.
Posted 7 years ago
Greg
Verified Reviewer
“Waste of time.. Told me i was approved only to forward me on to Amigo Loans lool... Why not just state that if you have poor credit you will need a guarantor?? Absolute garbage! Dont bother unless your credit is good... My credit score is 607 if yours is the same or lower than that do not bother with this company. The offer i received was a shambles.. £7000 paying back £277 a month for 60 months.. Thats nearly £17000!! What a joke only a complete fool would ever do that. SMH”
Helpful Report
Posted 7 years ago
Hello Greg, we are sorry that you feel this way. We offer our finance products based on a variety of factors, not just a credit score. For some of our customers Amigo Loans is the perfect if not only solution to enable them to finance a car, whilst building up their credit profile at the same time. Amigo Loans are a very specialist personal loan solution and we are sorry that you didn't fit any of our alternative criterias.
Posted 7 years ago
Neil
Verified Buyer
“Just sent me to a loan company who needed a guarantor if i new it would do that i wouldnt of filled in the application”
Helpful Report
Posted 7 years ago
Anonymous
Verified Reviewer
“Rude arrogant uncaring and uninterested. No care about deposits trade ins'. All they are interested in their payments! "Your calls me be recorded for training or monitoring purposes" well my landline is too! And I have recordings of your dreadful customer service. My next stop is the financial ombudsman and the financial conduct authority! DON'T go near these rouges.”
Helpful Report
Posted 7 years ago
Hello, we apologise that you feel this way... Unfortunately due to posting anonymously, we don't know who you are but please contact us and a manager will be happy to listen to your concerns. It's very rare we get a negative comment so we would like to get a better understanding of your comments. Many thanks, My Car Credit
Posted 7 years ago
Sabrina ,
Unverified Reviewer
“I applied with mycarcredit, took couple days to even get it sorted found a dealership myself, cargiant. Was then told to fill in their online portal upload driving license and payslips. I did. After I was told that the finance company will not pay out till I go cargiant and test the car, I did. I went to cargiant I had to put down a non refundable deposit to hold the car, I spoke to Gary and Chelsea who told me that I should put the deposit down and that my application is fine, I told them it is non refundable. They still told me I should put it down ( which they are no denying although there is recording). This was Wednesday last week, only today have they called me to tell the finance company now needs bank statements and cargiant have said if it is not sorted out by tomorrow the car and my deposit will go. I have requested to get my deposit back still waiting from cargiant, I probably will not get it back. Josh a manager at mycarcredit is also taking no responsibility for the actions of Chelsea and Gary. I am appalled, poor customer service from all three people. Why make someone put a non refundable deposit on a finance application u have not 100% been approved on!!!!!! Waste of time and stress. This has gone on for 2 weeks and still nothing is sorted. Ridiculous, rubbish money stealing company. They give you false hope. They do not what they are doing”
Helpful Report
Posted 7 years ago
Hello Sabrina, I am extremely sorry to hear that your experience with My Car Credit didn't meet your full satisfaction. As explained to you, it is not unusual that funders on our panel would ask us to request personal documents from you such as bank statements to get you fully approved, it is unfortunate that you were not able to provide these as easily as via email or post and the application was unable to progress. We wish you all the best for the future. Delete
Posted 7 years ago
DON'T TRUST MY CAR CRADIT INSURANCE BROKER.
Unverified Reviewer
“There Website saying bad cradit poor credit any cradit history we are accept.But when I applied with my car cradit .coustomer service Representative Michel.ask for bank statement.then say you need grantor. Bekoz your self employed bad cradit history. Why lying white me .please don't lying with people like me.My car cradit is car fainance brokers. Work with amigo Lone. Any one bad credit or new self employed. I advaic you contact with your bank.ther help you . Thanks”
Helpful Report
Posted 8 years ago
Hello, we are sorry that you feel your experience with My Car Credit has not been to your full satisfaction. I can assure you that the My Car Credit team endeavour to do everything we can to cater for all credit profiles, however at times there are situations out of our control where we cannot get you conditionally accepted with your preferred lender and we may offer you a finance agreement with our Personal Loan Lender. I am sorry that you decided not to progress with your application and wish you all the best for the future.
Posted 7 years ago
Let Down
Unverified Reviewer
“Applied online ,told accepted then got email saying no.what a waste of time”
Helpful Report
Posted 8 years ago
Anthony Holton
Verified Buyer
“1. Poor Service. 2. Poor Communication. 3. Hidden Fees.”
Helpful Report
Posted 8 years ago
Elena
Verified Reviewer
“They are disappointed by their services. how is it possible to ask you to send them in original driving license for validation ? I sent a copy of the driving license, I sent you a verification code and still insists on sending it in original ......”
Helpful Report
Posted 8 years ago
Anonymous
Verified Reviewer
“waste of time. You need to inform customer that you can only select cars from fca approved garages or at least put it in your FAQs instead of wasting people time looking for cars that they cannot buy.”
Helpful Report
Posted 8 years ago
Good Morning Mr Tocher, We are sorry you have had an unsatisfactory service with My Car Credit. We vet all of our garages to protect you as the customer. By opting to finance cars from FCA approved garages we can help to guarantee financial stability and high customer service standards. Kind regards, The My Car Credit team
Posted 8 years ago
Sousa Azevedo
Verified Buyer
“Very rude team leader. Don't use this broker company, be prepared for a lot of calls, texts, emails.Apply with a lender company, you will save time and you don't have to deal with advisers that are not prepared to talk with costumers.”
Helpful Report
Posted 9 years ago
Dear Mr Azevedo, We are extremely sorry that you feel you haven't received the standard of customer service that met your expectations. Unfortunately there are times when there can be delays in funds being paid out, this can be due to uncontrollable factors such as banking hours. At times you will receive automated messages, such as texts and emails if we cannot get hold of our customers. We also apologise for the amount of phone calls you feel you have received but if there are any issues with the application, our team would rather speak to customers more direct and over the phone.
Posted 9 years ago
Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,249 reviews
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