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 5,496 Reviews

96 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,496 reviews

Shipping & Delivery
Delivery Methods	Own Driver, Courier
Average Delivery Time	Next Day
On-time Delivery	Greater than 90%
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 19th February 2026

132

Anonymous

Anonymous // 01/01/2019

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

“Customer service was so poor and no proper communication. All I have received is about my first repayment date before that release my loan amount. I couldn’t get the car on time due to delay and no communication policy from My car credit team. I don’t recommend them.”

Helpful Report

Posted 3 weeks ago

Dear Anu, Thank you for taking the time to leave a review. We’re sorry to hear you were disappointed with the experience. We’d like to reassure you that we did everything we could to progress your finance as quickly as possible. There was a delay to same-day payment while we awaited signed documents, and unfortunately the funding cut-off had passed by the time these were returned. We also experienced a delay receiving the invoice, as the dealer was unable to provide this until the vehicle was on site. Our team made several attempts to keep in touch throughout the process, and we’re confident we handled the application appropriately. That said, we are always looking for ways to improve our service, so if you’d like to discuss this further, please don’t hesitate to get in touch by emailing complaints@evolutionfunding.com. We would like to thank you again for using My Car Credit. Kind regards, My Car Credit

Posted 2 weeks ago

“They made me go two hours and couldn’t take the car beacuse there was a problem with my name and they made a second time to go and take the car guaranteeing that the money transfer is going to be in in that night until 6 pm and it wasn’t so I had to go back home and come back the next morning arround 12”

Helpful Report

Posted 1 month ago

Hello, Thank you for taking the time to leave a review. We’re sorry to hear the frustration you experienced during your application process. We take all negative feedback seriously and have investigated your feedback. We have reviewed all communications that were made and we are satisfied that we did our best to keep you updated and advised waiting for confirmation before travelling. Please note that delays caused by required application amendments and lender processing times were unfortunately outside of our direct control, but we understand the inconvenience this may have caused. If you have any further queries or issues, please email complaints@evolutionfunding.com and a member of our team will get back to you as soon as possible. Kind regards, My Car Credit

Posted 1 month ago

“Very Very poorly”

Helpful Report

Posted 2 months ago

Hello, Thank you for taking the time to share your feedback. We’re really sorry to hear that your experience hasn’t been as smooth as it should have been. Having looked into your application, we can see that your initial lender was unable to proceed because the income documents provided didn’t match the original figures. We worked quickly to find an alternative lender so that your finance could still be approved, and the application was successfully paid out. We understand the frustration caused by the delay at the dealership due to the issues identified with the vehicle. As soon as we were made aware, we explained all the options available - including waiting for the repairs to be completed or unwinding the agreement if you preferred not to continue. I hope this helps. If you have any further queries or issues, please email complaints@evolutionfunding.com and a member of our team will get back to you as soon as possible. Kind regards, My Car Credit

Posted 2 months ago

“I would strongly advise avoiding My Car Credit / Evolution Funding. At the start, they offered me a very attractive APR of 9 percent. Once I found a car, they suddenly claimed the lender wouldn’t finance it because they “don’t pay VAT”, which already raised questions. When I found another suitable car, they sold me a warranty upfront, which I paid for in good faith. They then sent the invoice to their finance company and kept me waiting for three days with no update. When I finally called this morning, all I was told was, “I’m afraid we can’t go ahead with your application at this time.” No explanation, no email, no courtesy message, and no advice on what to do next. Just a dead end. Despite having an excellent credit score, they ran my application through multiple lenders without informing me. I now have five hard searches on my credit file, all because they kept trying different companies behind the scenes. Those searches sit on your record and reduce your chances of getting finance elsewhere. For a £20,000 car, their commission would have been around £2,500, with £500 of that going to ClearScore for the referral. It now feels like these brokers lure you in with a low APR, run multiple hard searches without consent, and leave you worse off when everything collapses on their side. I’ve decided to wait until March for the searches to cool down and then take out a personal loan and buy the car directly. Far simpler. Overall, the experience was stressful, unclear, and honestly quite disappointing. Avoid this company.”

Helpful Report

Posted 3 months ago

Dear Slim, Thank you for taking the time to leave a review. We understand it can be disappointing when a finance application cannot progress. When you apply, an initial APR is generated using the information provided and an early view of your credit profile. As the application moves through further checks, additional information can sometimes change the outcome. As a broker, we work with a panel of lenders who each carry out their own assessments. They make the final decision on whether they can offer finance, and they are not required to share the reasons behind that decision. In this instance, the lender was unable to proceed, which means we’re unable to take the application forward. As the decision is final, we’re not able to provide any further detail. Kind regards, Evolution Funding

Posted 2 months ago

“no communication”

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Posted 3 months ago

“Sales and commission driven individuals who don't listen to the customer. Bad experience as they released funds to Dealership without authorisation. On numerous emails and telephone conversation it was specified not to release funds until I am back into the country. Also no central point of contract as various advisors. Not recommended”

Helpful Report

Posted 4 months ago

Dear Shameem, Thank you for taking the time to share your feedback. We’re sorry to hear you felt disappointed with your experience. Our advisor explained that we aim to make payment to the dealer as soon as possible to secure your chosen vehicle. We can confirm that you mentioned at the time that this wasn’t an issue, so we’re sorry to hear this has led to a negative review. If you’d like to discuss this further or share more about your experience, we’d be happy to talk it through and see how we can help. Please email complaints@evolutionfunding.com and a member our team will get back to you as soon as possible. Kind regards, My Car Credit

Posted 4 months ago

“Honestly it poor I had to go to the dealers 3 times just because the funds were not being released spent an extra 400 just because of this and would not eally recommended it to anyone”

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Posted 7 months ago

“Didn’t go well at all. Informed me that funds would be transferred on the day as long as application was sent by midday. Application was sent in the morning but it wasn’t processed until 4pm. This meant funds were not received on the day. Being bank holiday this meant funds would not be received until Tuesday which meant I could not collect vehicle purchased until Tuesday! I had to hire a car which was a considerable expense and inconvenience.”

Helpful Report

Posted 9 months ago

Hello, Thank you for your review. We are very sorry to hear about your experience with My Car Credit. We want all of our customers to have a seamless, positive experience. We are currently investigating your application and we aim to provide an update as soon as possible. If you have any further queries, please email complaints@evolutionfunding.com We would like to thank you for your patience. Kind regards, My Car Credit

Posted 9 months ago

Hello, Firstly, thank you for your patience while we investigated your review. We're really sorry to hear about your recent experience. We completely understand how frustrating it must have been to face a delay in collecting your new vehicle—especially heading into a bank holiday weekend. While we do aim to process payouts as promptly as possible, your application was unfortunately finalised later in the afternoon, and as our treasury team doesn’t operate over weekends or bank holidays, this meant the funds couldn’t clear in time for a same-day release. We did reach out to the dealership to request the vehicle be released based on payout confirmation, but ultimately it’s at their discretion to wait until funds are physically received. We truly appreciate you bringing this to our attention and we apologise again for any inconvenience this may have caused. Thanks again for using My Car Credit, and we hope you're now enjoying your new vehicle. Kind regards, My Car Credit

Posted 7 months ago

“They delayed the funds by using the wrong email address for the car dealership. Then sent me the wrong paperwork. Finally, they transferred funds at the very last minute, after the dealership’s accounts office had closed meaning that the car could not be released as planned. It caused a great deal of inconvenience changing my insurance. I would never use again.”

Helpful Report

Posted 10 months ago

Dear Mark, Thank you for your review. We take all negative feedback seriously and are currently investigating your application. A member of our team may contact you and we aim to provide an updated response as soon as possible. If you have any queries in the meantime, please email complaints@evolutionfunding.com. We'd like to thank you for your patience. Kind regards, My Car Credit

Posted 9 months ago

Dear Mark, Thank you again for your feedback and patience while we investigated your application. We're sorry to hear about the delay you experienced—especially as we understand how eager you were to complete your car purchase ahead of the Easter weekend. While the timing around the bank holiday and the dealer’s policies affected the handover, we did everything we could to ensure a smooth and timely payout, including confirming the release with the dealer early that day. Unfortunately, some factors were beyond our direct control, and we apologise for the inconvenience this may have caused. We would like to thank you again for using My Car Credit. If you have any further questions or issues, please email complaints@evolutionfunding.com. Kind regards, My Car Credit

Posted 9 months ago

“Very poor”

Helpful Report

Posted 10 months ago

Hello, Thank you for your feedback. We take all negative feedback seriously and we aim to provide a fair and transparent service to all our customers. After reviewing your application, we found discrepancies in the information provided, which meant we were unable to proceed. If you have any questions or would like to discuss this further, please feel free to contact us by emailing complaints@evolutionfunding.com. Kind regards, My Car Credit

Posted 10 months ago

“terrible!!!! they got my name wrong, got me credit in that name and when reminded it needed changed ( because i had advised this at the start) it took nearly a full week of me chasing them multiple times per day. Having to chase information from them and then finally having to go to the underwriters myself and get the info needed. I spoke to so many people who gave me different, conflicting information every single time. Telling me i didnt need to supply certain information when i did. Cost me a fortune in extra car insurance due to their mistake and then got cheeky with me (Jerome) when i said i didnt have a great experience with him at the start and would rather speak to someone else. I could leave about a 15 page negative review here to be honest. We did get there in the end but mostly because i chased everything myself. For the value of commission paid to them ( just under £1100 ) i expected a better service than having to do it all myself.”

Helpful Report

Posted 10 months ago

Dear Joelene, Thank you for your review. We're very sorry to hear that you had a poor experience with My Car Credit. We take all negative feedback seriously, and we are currently investigating your application. We will be in touch with an update once we learn more. We would like to thank you for your patience. Kind regards, My Car Credit

Posted 10 months ago

Dear Joelene, Thank you again for your feedback and your patience while we looked into this matter. Firstly, we would like to sincerely apologise for the error of misspelling your name. We train our team to be meticulous and thorough in their processes and this issue has been fed back to the relevant persons. We work hard to ensure that all our customers receive a seamless, stress-free application experience, and this incident does not reflect this. By way of apology, we have organised for an e-gift card to be sent to your email address. If you do not receive this within the next three business days, please let us know by emailing enquiries@mycarcredit.co.uk. If you are not happy with how your complaint has been resolved, please let us know by emailing complaints@evolutionfunding.com. We would like to apologise again for any inconvenience caused. Kind regards, My Car Credit

Posted 10 months ago

“Not very good.”

Helpful Report

Posted 1 year ago

Dear Sunny, Thank you for your review. We are sorry to hear that you were not satisfied with the experience you received from My Car Credit. A positive, seamless customer experience is our priority. We are currently looking into your application and have made attempts to contact you via telephone to learn more about the issues you faced. Our advisors will try again to get in touch with you. Alternatively, you can email complaints@evolutionfunding.com with more information and a member of our team will get back to you as soon as possible. Kind regards, My Car Credit

Posted 1 year ago

“I found that my car credit service was diabolical, firstly they paid the wrong garage and then dragged their feet rectifying the problem. I will be making a complaint to trading standards”

Helpful Report

Posted 1 year ago

Dear Gemma, Thank you for your feedback. We take all negative feedback seriously and have launched an investigation into your application. Unfortunately, your application experienced an internal error from one of our advisors. We sincerely apologise for the inconvenience this has caused and we have worked with urgency to try and rectify the issue for you. A member of our team should be reaching out to you to provide a separate update on your application. We have actively listened to your review and fed this back to the advisor involved, as well as the wider team, to ensure we maintain our usually high service standards. If you are dissatisfied with how your complaint has been handled, or if you would like more information, please contact our complaints team at complaints@evolutionfunding.com and a member of our team will get back to you as soon as possible. Kind regards, My Car Credit

Posted 1 year ago

“I have been messed around all day, asked for different details one at the time 3 hours apart from each other. They could not provide a link for e-sign, they knew I need to pick the car from the dealership today and it genuinely feels like they did everything in their power to stop me. I am crying on the train after a painful and stressful application process at the end of which I have no car. Would not recommend, very stone age-style operation.”

Helpful Report

Posted 1 year ago

Dear Beatrice, Thank you for your review and we a sorry to hear about your experience of financing your new car. It's our mission to ensure all our customers have a seamless, positive experience with My Car Credit and we have looked into your application further. We have been actively investigating the issues you experienced during your application process. We would like to give our sincerest apologies for any inconvenience caused by some unanticipated errors that occurred with our internal team at My Car Credit. It's our goal to get our customers in their car with a seamless, positive experience. As you'll be aware, a member of our team has reached out to you on the phone to give their apologies and resolve the situation. We're delighted to hear that you now have your car and the advisors that you dealt with at My Car Credit were helpful. However, we do not want to disregard the inconveniences you faced during your application, and our teams are actively working to improve our process to retain our usually high service standards. We would like to thank you again for using My Car Credit and we hope you enjoy your new car. Kind regards, My Car Credit

Posted 1 year ago

“This company is a scam, do not trust them. look for other brokers This company is a scam. Do not trust their sweet word. If you do not wish to ruin your credit score and please look for another credit broker. They are absolutely unreliable scams. Please do not trust them. They will ruin your credit score and will give one after one false hope that the application is approved and the fund will payout. In fact, they are incompetent and fraudulently give false hope.”

Helpful Report

Posted 1 year ago

Hello, Thank you for your review. We take all negative feedback seriously and have tried to investigate your review further. Unfortunately, we are unable to identify you. Providing a friendly, honest, and seamless customer experience is essential to us, and we do so in accordance with the rules and guidance set by the Financial Conduct Authority (FCA). This ensures that we act in the best interest of our customers, and this is at the heart of everything we do. However, should any of our customers be unhappy with the service they receive, we make it a priority to investigate the matter as part of our aim of maintaining our high service standards. So we can explore your complaint further, please email complaints@evolutionfunding.com and a member of our team will get back to you as soon as possible. Kind regards, Evolution Funding Ltd T/A My Car Credit

Posted 1 year ago

“Terrible! Constantly lied to me about the status of my finance application. Constantly lied to me about communicating with the dealership. If I wasn't so far into the process at that point I wouldn't have "left" and used a different company.”

Helpful Report

Posted 1 year ago

Dear Werner, Thank you for your review. We are sorry to hear that you have not been happy with the service you’ve received from My Car Credit. Providing an honest, friendly and seamless experience is extremely important to us, so we have looked into your application further. Although we never aim to lie or mislead our customers in any way and strongly believe we have not done so in this instance, we acknowledge that we could have handled your application more efficiently, and any errors that your application faced have been fed back to our team to help drive improvements in our process to maintain our usually high standards. We would also like to note that, despite our best efforts to process things quickly, time frames for an application can also be impacted by the dealership involved. Kind regards, My Car Credit

Posted 1 year ago

“Having used this company twice before we are totally shocked at the apauling way we have been treat this time. We gave the handler personal information that should have flagged up concerns and a better duty of care. But instead he and his fellow work companions chose to ignore this. I have taken this matter to another level as a complaint. The handlers caused unnecessary, anxiety and stress and the information requested left us feeling vulnerable and as though we have been scammed.”

Helpful Report

Posted 1 year ago

Hello, Thank you for leaving a review. We are sorry to hear that you are unhappy with the experience you received from My Car Credit on this occasion. We strive to provide excellent service for every customer, and we have listened to your feedback and made our complaints department aware. A thorough investigation into your application is being made, and we hope you get your matter resolved to your satisfaction. Kind regards, My Car Credit

Posted 1 year ago

“I have used this company twice in the past, this time was a nightmare for some reason. We will not use them again. Unnecessary problems were created, the application felt more like I was being scammed and 10 days of harassment daily for information that was not warranted. I made a complaint to the Ombudsman.”

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Posted 1 year ago

“Good to start off with but quickly declined. Messed up invoicing process despite being told by myself and the car dealer where the errors were. This meant that the car was delayed in getting to me. I constantly had to ring and chase (6 times over 2 working days) and was told something new each time. On the phone I was patronised and staff were unhelpful. I asked for my case to be escalated and compensation and was told there was no process. It felt like my car credit couldn’t understand the invoices even through they were correct. They didn’t listen to myself or my car dealer and refused to take responsibility for causing delays. They weren’t apologetic or accepting of my needs.”

Helpful Report

Posted 1 year ago

Dear Megan, Thank you for your feedback, and we are sorry to hear about the delays you experienced during your application. While we always strive to provide a fast and seamless service, external factors can sometimes affect the speed at which we can process your application. We can confirm that we treated your application with due diligence and within the agreed time frames dictated by the Dealership. We hope you enjoy your new car. Kind regards, My Car Credit

Posted 1 year ago

“Still waiting”

Helpful Report

Posted 1 year ago

Hi, thanks for leaving a review. We are sorry to hear that you have had a poor experience. A member of our team has tried to reach out to you for further support to see if we can resolve the issue, but we haven't been able to make contact with you. Please get in touch with us on 01246 458810 if there is anything we can do to help you further. With regards, My Car Credit.

Posted 1 year ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,496 reviews