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Evolution Funding Ltd T/A My Car Credit Reviews

4.8 Rating 4,761 Reviews
97 %
of reviewers recommend Evolution Funding Ltd T/A My Car Credit
Company Reviews Metrics Info
4.8
Based on 4,761 reviews
Shipping & Delivery
Delivery Methods
Own Driver, Courier
Average Delivery Time
Next Day
On-time Delivery
Greater than 93%
Accurate And Undamaged Orders
96%
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 12.4%. 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 for three years and awarded 'Best Broker' for seven 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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Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful
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 month 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 month 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 month 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 month 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 3 months 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 3 months 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 3 months 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 3 months 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 6 months 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 6 months 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 7 months 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 6 months ago
Cambridge Kisby
Verified Buyer
“I have been extremely unimpressed by the dysfunction of the application process over the past week and will be seeking compensation for the time and money it has cost me. Not only was I told on numerous occasions that the finances would be sent to the dealer in time prior to my collection of the vehicle on Friday, September 8 2023, but I was also told the morning of. This date of collection had been known of at the start of the application process on Tuesday. In preparation, my partner and I had already pre-bought train tickets so that I could collect the car on this day over 200 miles from my home. Then on the morning of the collection date, I was told that the funds "might" be in the account by the time I reached the dealer, only to be told by the dealer that the funds had not been transferred when I arrived in Newcastle. Now without a car, me and my partner have had to spend more money on additional train tickets back home during rush hour. The dealer himself has also assured me that he has also experienced the same dysfunction from your sales team and finance department this week and has encouraged me to seek compensation.”
Helpful Report
Posted 7 months ago
Hi, Thanks for leaving us a review. We are sorry to hear you were dissatisfied with our service. We take all negative reviews very seriously and so have looked further into your application. There were some issues with the lender's e-Sign which did unfortunately lead to a delay in payout. We do advise customers that arrangements for collection of the vehicle should only be made following confirmation of payout, as there may be instances where transfer of funds to the dealer is delayed. We acknowledge that our communication with yourself and the dealer could have been clearer, and your experience has been fed back to our team to drive improvements across our service. We apologise for any inconvenience caused and hope you are enjoying your new vehicle. With regards, My Car Credit
Posted 7 months ago
Anonymous
Verified Buyer
“Horrible communication”
Helpful Report
Posted 7 months ago
Dear Customer, We are sorry to hear that you have had a poor experience. Your comment has been flagged to our team and is being investigated in detail as we agree that the communication on this application has been less than satisfactory. We sincerely apologise for the situation and for the inconvenience caused. Kind regards, My Car Credit
Posted 7 months ago
Joe Clements
Verified Buyer
“Worst experience of my life! Still not received my vehicle. My 14 days have started on the finance return policy and my vehicle (which I haven’t seen yet) will be ready at best 11/12 days into my 14 days. Giving me 2/3 days to make a rushed decision on if I want this vehicle. Been lied to multiple times by my car credit and the company’s they work with. Would NOT recommend to anyone!”
Helpful Report
Posted 8 months ago
Hi Joe, We are sorry to hear you are experiencing issues with collecting your vehicle. One of our Team Leaders is trying to get in touch to support you in resolving this issue - we take negative feedback very seriously and have looked into your application with us. We are satisfied that we have provided you with a high level of service throughout your application with My Car Credit; we also ensure to work with dealers who are vetted for their trustworthiness, financial stability and reliability, and so your experience will be fed back to our team to improve our services. With regards, My Car Credit.
Posted 8 months ago
Anonymous
Verified Buyer
“They have misleading information and made false promises about timelines. They then didn't take ownership to reduce the impacts of that. At various points they claimed the dealer had been paid when they hadn't. Initially they said that everything should be sorted within a day, then it was to be 24 hours, then it was to be up to another 24 hours and then another day too. I had emails texts and calls that all conflicted.”
Helpful Report
Posted 9 months ago
Dear Customer, Thank you for taking the time to leave your review and we are sorry to hear that you were left unsatisfied with our service. We take all feedback very seriously and have looked into your application and experience with us. There were some delays in banking which contributed to the change in timelines that you had flagged - our team worked to resolve this as quickly as possible, and a Team Leader reached out to talk you through the circumstances relating to your application. We apologise for any inconvenience caused and hope you are enjoying your new car. Kind Regards, My Car Credit
Posted 8 months ago
Robert Motley
Verified Buyer
“A complete shambles from start to finish.”
Helpful Report
Posted 9 months 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 9 months ago
Anonymous
Verified Reviewer
“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.”
Helpful Report
Posted 9 months 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 9 months ago
Anonymous
Verified Buyer
“10 days ago I have paid deposit for car, 5 days ago I was approved and direct debit setup, received the email saying everything is done. Today I was told I can pick up the car later. Received a call saying that I can't pick up the car and they can't tell me when I will pick up the car.”
Helpful Report
Posted 10 months ago
Anonymous
Verified Reviewer
“5 days since I was approved, direct debit setup, received the email saying everything is done and yet I don't have the car, today been told that I will definitely have the car, after few hours received a phone call saying that I won't have the car and they don't know when I will have the car. Forgot to mention that deposit for car was paid 10 days ago.”
Helpful Report
Posted 10 months ago
Richard Ockenden
Verified Buyer
“Process started well however 2.5 weeks later the dealer has still not received the funds so I am unable to collect the car. Funds were released on Saturday, not received on the Monday. Then told on Tuesday the money hadn’t been released on Saturday but was done on Monday. Yet the dealer has still not received the money. despite calling multiple times for updates and an eta. I have heard nothing from My Car Credit.”
Helpful Report
Posted 10 months ago
Anonymous
Unverified Reviewer
“Never again ..applied 4 weeks ago got accepted sent in relevant documents and never heard back from anyone again Definitely not recommend this company at all”
Helpful Report
Posted 1 year ago
Dear Customer, we're sorry that you have been unhappy with our service. We take all feedback seriously and therefore have investigated your comments. We record all activity, including calls, for training and quality purposes and therefore can see that our advisor was unable to contact you on several occasions. Whilst you did eventually call us, you were unable to prove identity over the phone and so we could not progress with the call. After that, we agree that no further contact was made by us. We apologise for any inconvenience caused. Kind regards, My Car Credit.
Posted 1 year ago
Matthew Boyce
Verified Buyer
“The most drawn out process.”
Helpful Report
Posted 1 year ago
Dear Matthew, thank you for providing your feedback and we're sorry that you have not had the smoothest of experiences. Unfortunately, an issue with the lender's systems led to delays which we made you aware of and offered to try a different lender. However, you asked us to wait for the issue to be resolved. We then needed to perform our final checks prior to payout and were unable to reach you in a timely manner. We apologise for the delays and inconvenience caused and hope you are now enjoying your new vehicle. Kind regards, My Car Credit.
Posted 1 year ago
Karolina Tomaszewska
Verified Buyer
“Avoid!!!Avoid!!!Absolutley joke!Poor communication!Rude staff!”
Helpful Report
Posted 1 year ago
Anonymous
Verified Reviewer
“Terrible company, IT doesn't work and when you call to discuss they cut you off and refuse to take a complaint or let you speak to a manager (CEO doesn't exist apparently!) No response to written complaint and no explanation as to abusive nature of their staff! Would leave zero stars if that were possible”
Helpful Report
Posted 1 year ago
Dear Customer, we are sorry to hear that you are unhappy with our service. We take all complaints seriously and as all calls are recorded for training and quality purposes, we have been able to review the conversations between you and our advisors. We cannot identify any occasion where our staff were abusive towards you. Whilst we appreciate you were frustrated with some aspects of the application process, we also cannot tolerate abusive language towards our own staff which unfortunately did occur. We agree that your request to submit a complaint could have been handled much better and therefore we are making changes to our process to improve that experience. We apologise for any inconvenience caused. Kind regards, My Car Credit.
Posted 1 year ago
Taina
Unverified Reviewer
“Once again I come here to complain about this company, I’ve cancelled the loan with less than 14 days period, was within 12 days period from the dates that I’ve signed the contract. The reason why I’ve cancelled was because they have done two credit checks in my name and at the end the dealer have already sold the car, so if I was going to chose another car the was going to do a 3rd credit check. So I’ve cancelled everything. After a week that I’ve cancelled it was still saying in my reports that I “had the money” I’ve contact Santander finance team and they told me that it was still active that they didn’t had no information about me cancelling the loan. So that means this company is absolutely unresponsive, they haven’t contacted Santander to inform them that I’ve cancelled the loan, and it’s been now two weeks and some days that “my car finance” doesn’t have any information about my case, that they are still waiting to the “dealership” to “accept” that I’ve cancelled the Loan. A dealership that I’ve sold the car that I wanted, that I haven’t signed any contract with them. So guys don’t you ever go with this company in case if you decide to cancel the loan or change car. They are terrible resolving your problem. If I didn’t called Santander, they would still take money from my bank account on the 27th of this month. I’ve cancelled the loan on the 11th of October. Lucky me that Santander changed the date until the 28th of November so “my car finance” inform them that I’ve cancelled and they are happy to cancel that. Worse thing that I’ve even done in my life.”
Helpful Report
Posted 1 year ago
Dear Taina, we are sorry that you are unhappy with your situation. We have attempted to contact you on numerous occasions to discuss but you have been unreachable, nor have you returned our calls. We appreciate your frustrations and we would like to help resolve the situation but there is very little we can do if we cannot speak to you. If you would like to discuss the matter, please call the office on 01246 458 810. Kind regards, My Car Credit.
Posted 1 year ago
Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 4,761 reviews
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