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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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Alpesh Depala
Verified Buyer
“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 1 month 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 1 month ago
Mark Kellet
Verified Buyer
“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 1 month 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 1 month 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 1 month ago
Osvaldina Martins Bastos
Verified Buyer
“Very poor”
Helpful Report
Posted 1 month 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 1 month ago
Joelene Byrne
Verified Buyer
“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 2 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 2 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 1 month ago
Sunny Kumar
Verified Buyer
“Not very good.”
Helpful Report
Posted 4 months 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 4 months ago
Gemma Laird
Verified Buyer
“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 6 months 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 6 months ago
Beatrice
Verified Reviewer
“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 6 months 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 6 months ago
A
Unverified Reviewer
“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 7 months 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 7 months ago
Werner Taljaard
Verified Buyer
“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 8 months 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 8 months ago
Anonymous
Verified Buyer
“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 10 months 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 10 months ago
Anonymous
Verified Reviewer
“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.”
Helpful Report
Posted 10 months 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 10 months ago
Megan Pewsey
Verified Buyer
“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
Anonymous
Verified Reviewer
“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
Tracy Wilson
Unverified Reviewer
“I would not recommend this company. I have had nothing but trouble since starting with them. The company would tell us one thing to keep us interested then do the exact opposite. We missed out on so many cars while waiting for them to sort the finance. We were actually told we are good to go and they received everything they needed to pay the dealership, however after travelling 4.5 hours we were told the broker had pulled the finance so we had a 4.5 hour travel back, wasted fuel and exhausted not to mention we had our child with us. I would definitely stay away from My Car Credit.”
Helpful Report
Posted 1 year ago
Hi Tracy, Thank you for leaving us a review. We take all negative feedback seriously and we are currently undergoing an investigation into your application. Our advisors are currently working to resolve the issue, and we will remain in touch as we progress your application. Kind regards, My Car Credit
Posted 1 year ago
Arsan Zarmaev
Verified Buyer
“I was told I was accepted and made to pay £495 to secure the car. After four days when I was on my way to pay the £12,000 deposit so that my car would be ready for pickup, they called me and said, 'Sorry, we changed our mind and we cannot give you the loan.' On top of that, the garage refused to refund my deposit! If that's not enough, I made an insurance payment of a little over £6,000 and also ordered deployable side steps for £1,550, which are also not returnable! I am devastated and feel suicidal. You are the worst thing that has happened in my life. I wish I had never known you.”
Helpful Report
Posted 1 year ago
Dear Arsan, we are sorry to hear about how unhappy you are with your experience. Unfortunately, there were circumstances beyond our control which led to your application being declined. Should you wish to make a complaint, please email complaints@evolutionfunding.com, and we will be happy to investigate the matter further. Kind regards, My Car Credit
Posted 1 year ago
Keely Waddington
Verified Buyer
“The process of getting my finance was very straight forward, the man I dealt with was excellent and I was really happy. I was informed my finance had been released to the dealer and would be there by the end of the day. I waited at the dealership for 3 hours, no money arrived. The following morning I arranged a second collection of my vehicle, and the money was still not in their account. I have been informed this is because they’ve sent the money via BACS which takes longer to process and was unnecessary. So I am still waiting around for my vehicle. Extremely poor service.”
Helpful Report
Posted 1 year ago
Dear Keely, thank you for taking the time to review us and we are sorry to hear that the latter stages of your application have not gone smoothly. One of our team is attempting to contact you to discuss your review and clarify the situation. Kind regards, My Car Credit.
Posted 1 year ago
Anonymous
Verified Reviewer
“IF I could give you a big fat 0 I would , Got finance in place with these guys , they ran what they call a dummy vehicle through on a car with Moto novo Car finance which came back accepted . All good to go find a vehicle . The company did not say every time we check a car it will leave footprints on your credit file , or to this point an hard search . Basically you could be accepted , & everyone you apply for a vehicle you could eventually be declined , or your credit score will go into another score band , meaning higher Apr . Found a vehicle after an extensive search Phoned them for them to turn round and say Finance had been declined and they could not work with me anymore , asked for explanation same rubbish take it up with credit reference agency , Sorry I have my banding in front of me , there’s no flags on my credit file . Suspicion started to arise and do not ask me why as a finance credit broker you did not want my business . So I phoned Moto novo , guess what my suspicions was right . Finance was still in place , Part ex was sold finance was given signed & now have my new car . Big thumbs down for me , But thank you for giving me the finance company’s details . Bizarre how you want to loose people’s business Maybe some people who work for you are not doing the job properly Jack . I’d never come to you again and I will be reporting you to the credit reference agency’s for lack of compliance & to the FCA .”
Helpful Report
Posted 1 year ago
Dear Customer, we are sorry to hear that you are unhappy with your experience. We are unable to provide additional information on a public platform and wish you all the best with securing finance elsewhere. Kind regards, My Car Credit.
Posted 1 year ago
Anonymous
Verified Reviewer
“Jerome was great and amazing customer service from him however the service is extremely slow to find a loan partner and to pay out. The process has taken a week from applying to getting the loan company pay out. Would have been better sourcing a loan myself”
Helpful Report
Posted 1 year ago
Hi, thanks for providing us with feedback on your experience. We are glad to hear you had a positive experience with Jerome - we have fed your comments back to him. Regarding your negative experience; we take all feedback very seriously and so have looked into your application further. We acknowledge that there were some delays in your application following submission to the lender as they made their checks. We apologise for any inconvenience caused, and hope you are enjoying your new vehicle. Kind regards, My Car Credit.
Posted 1 year ago
Appu Magan
Verified Buyer
“Well It was worst experience they gave me approval get my agreement on place and when funds were released to the dealer from finance company they gave me no reason why cancelling it at last minute it was a nightmare I won't refer to anybody..”
Helpful Report
Posted 1 year ago
Dear Appu, we are sorry to hear that you are unhappy with your experience. We are unable to provide additional information on a public platform and wish you all the best with securing finance elsewhere. Kind regards, My Car Credit.
Posted 1 year ago
Anonymous
Unverified Reviewer
“Well if the start is anything to go by I'd not recommend using these lot. Been told I was accepted for finance so applied, I've since been spammed with multiple emails telling me to continue my application. I've responded several times over the course of today and yesterday regarding a car I have found and queried whether MCC will provide the finance for it. So far I've had zero response and a further spam email telling me to continue the application! This is ridiculous.”
Helpful Report
Posted 1 year ago
Hi, thanks for leaving us a review. We are sorry to hear you were dissatisfied with our service - upon seeing your review one of our Team Leaders reached out immediately to resolve your application status. Unfortunately we were unable to achieve a suitable outcome for you; your experience has been fed back to our team to drive improvements across our service, and we apologise for any inconvenience caused. With regards, My Car Credit.
Posted 1 year ago
Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,249 reviews
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