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 5,542 Reviews

96 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,542 reviews

Shipping & Delivery
Delivery Methods	Own Driver
On-time Delivery	100%
Customer Service
Communication Channels	Email, Telephone
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 February 2026

132

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

“Ultimately they got me finance however, I was given wrong information multiple times and didn’t realise 2 hard searches had happened until I found a better deal elsewhere but got declined for having too many checks. Really wouldn’t recommend as it was a below standard I’d expect.”

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Posted 11 months ago

Dear Jamie, Thank you for your feedback. While we're delighted that we were ultimately able to secure finance for you, we're sorry to hear that parts of the process didn’t meet your expectations. Regarding the change in APR, we can confirm that the advisor you spoke with during your welcome call did explain that certain vehicle criteria can affect the final rate offered by the lender. These requirements are set by our funding partners, and in this case, they applied a higher rate due to the nature of the vehicle you were looking to finance. We also want to address your concerns around credit checks. While we aim to be as transparent as possible, the type of credit search (soft or hard) ultimately depends on the lender we’re submitting the application to. We do explain this in our initial conversations and on our website, and we are always reviewing ways of improving our transparency. We would like to thank you again for using My Car Credit. If you have any further questions or issues about your application, please email complaints@evolutionfunding.com. Kind regards, My Car Credit

Posted 10 months ago

“Brilliant, efficient, very helpful and kept me informed tightly. Jerome was fantastic.”

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Posted 11 months ago

“Arranged my car finace via My Car Credit very easy to work with and communicated very well throughout the process...would recommend them”

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Posted 11 months ago

“Sounded promising and quick on the first phone call I had. Then ended up waiting 3 days for the funds to be sent through also rang 4 time to try and speed the process up.”

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Posted 11 months ago

Dear Glen, Thank you for your feedback - we're sorry to hear that your experience didn’t go as smoothly as it initially seemed, and we appreciate you taking the time to share your concerns. While your application was processed quickly - with payout completed the day after your initial approval - we understand how it might not have felt that way from your perspective, especially with the extra steps needed around proof of address. There was a bit of back and forth due to the original invoice showing an outdated address, and while we did try to accept an alternative document to keep things moving, it unfortunately didn’t meet the lender’s requirements. That led to us needing a new document, which added some time. Once the payout was processed, it was done after 5pm, which meant the dealership would typically receive funds the next working morning - usually before lunchtime. While this part of the process is out of our hands once funds are released, we appreciate that it added some frustration to your experience. We'd like to thank you again for your review and for using My Car Credit. Kind regards, My Car Credit

Posted 10 months ago

“Everyone was such a great help in sorting out my finance for my new car. Would recommend to everyone who need there 8advice on get finance.”

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Posted 11 months ago

“Excellent customer service. I’m very pleased with my dream car thanks to Thomas and the team for doing a great job . Over the moon really impressed with customer services . I would recommend anyone looking to finance a car .”

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Posted 11 months ago

“Very helpful and great communication with anything was needed.”

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Posted 11 months ago

“Excellent and contactable at all times throughout this process”

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Posted 11 months ago

“Poor service. The only reason I choose this company is because of the low apr rate. Had to ring 5 time to push for it to get sorted. Wasted 2/3 days waiting on them and still waiting on them…”

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Posted 11 months ago

“They are very helpful and easy to communicate with.”

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Posted 11 months ago

“Very good service, I’ll recommend to everyone,fast and professional”

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Posted 11 months ago

“Great service from My Car Credit. Alfie was a great help in getting my funding sorted. Had a look at my offers on TotallyMoney on the Saturday - had the finance in place by the Tuesday. Great rates and really easy to do.”

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Posted 11 months ago

“Excellent, so helpful anyone's when I speak greta team....”

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Posted 11 months ago

“My Car Credit is amazing, they help you with the budget you need and customer service is also excellent really helpful with no pressure at all. I’m coming back for MCC in the future for sure.”

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Posted 11 months ago

“Very easy and quick Staff is helpful”

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Posted 11 months ago

“Very easy to use and would highly reccomend”

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Posted 11 months ago

“EXCELLENT, I CAN RECOMMEND IT TO EVERYONE,”

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Posted 11 months ago

“Excellent and quick service.”

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Posted 11 months ago

“Easy company to deal with, though I feel like there was to many emails sent. Did fail to communicate the finance decision to me though.”

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Posted 11 months ago

“Very nice & helpful people”

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Posted 11 months ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,542 reviews