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 5,254 Reviews

97 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,254 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

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 2nd May 2025

Benjamin Gardner

Evolution Funding Ltd T/A My Car Credit 5 star review on 23rd March 2025

Christopher Loynes

Evolution Funding Ltd T/A My Car Credit 5 star review on 22nd March 2025

GOMAS KAMALESWARAN

Evolution Funding Ltd T/A My Car Credit 5 star review on 16th March 2025

Anonymous

130

Anonymous

Anonymous // 01/01/2019

Filter: Rated 2 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 2 weeks ago

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Posted 5 months ago

“Had to chase for updates, took two days to ask for the right documents. Ended up going through on a Friday, when everything was ready on Thursday, which means had to wait over the weekend for the car and the APR was considerably higher then advertised.”

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Posted 8 months ago

Hello, Thank you for your review. We take all negative feedback seriously and always aim to provide excellent communication to our customers. We have therefore looked into your application further. Sometimes, lenders may require additional proofs from the customer to help support their application. Unfortunately, this can slow things down, and we do not process funds over the weekend. We acknowledge that better communication could have been provided in this instance, and we are sorry for any inconvenience this may have caused. Lastly, we were unable to give you the initial rate you received because your chosen vehicle was outside of our pre-approval criteria and we can confirm that one of our advisors made you aware of this on a call. Kind regards, My Car Credit

Posted 8 months ago

“Was pre approved with a guaranteed rate then they increased it by another 2% after going through the process stating because it was for a van -however they knew it was a van as they asked the vehicle details and reg on the first call . Person who dealt with the call was helpful and friendly”

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Posted 10 months ago

Dear Ian, Thank you for leaving a review. The quote rate that is initially provided is only guaranteed for a car less than 8 years old with less than 100k miles. If the customer chooses a commercial vehicle or a car older than 8 years, or with over 100k miles, they will be subject to a 2% uplift in APR. 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 10 months ago

“Would of got my car two days earlier if they opened their emails. Excuse they gave is that they get so many some get missed.”

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Posted 1 year ago

“Took ages,was told on Friday all sorted could collect car,money wasn't even sent to the garage until the following Tuesday.very frustrating company..”

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Posted 1 year ago

“Very slow process with lots of investment of my own time to chase up paperwork. I really wish I did everything through Arnold Clark myself. 1 week later still no car!!”

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Posted 1 year ago

Dear Karen, we're sorry that your experience with us has not gone as smoothly as you'd hoped. We have investigated your comments and can see some delays on the dealer's side, about which we could have managed your expectations better. Your comments have been fed back to our team for future improvements. Kind regards, My Car Credit

Posted 1 year ago

“Overall experience was pretty poor, was accepted for finance but could only choose specific cars from specific dealers. Ended up with my last choice of car, was told the process is quick took days and days to actually be able to pick up the car.”

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Posted 1 year ago

“This was the longest drawn out process ever, there was no coordination regarding document collection and we were very close to cancelling on several occasions. I understand due dilligence but this was to the extreme. The dealership we dealt with has said that in 30 years of trading they have never experienced such behaviour.”

Helpful Report

Posted 1 year ago

Hi, thanks for leaving us a review. We are sorry to hear you were unhappy with our service. We take negative reviews very seriously and so have looked into your application further. We can see there was some 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 the deposit placed for this application was higher than typical finance applications, the lender required further proofs and checks to complete the application. We apologise for any inconvenience this has caused, and hope you are enjoying your new car. With regards, MCC

Posted 1 year ago

“For most parts it was alright, but what was most unacceptable was that a dealer listed on your website charged £350, as an admin fee, for availing credit from you. The customer support did nothing to change this.”

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Posted 1 year ago

Dear Sharat, Thanks for leaving us a review; we are sorry to hear you were unhappy with parts of our customer service. The administration fee you have mentioned is charged by the dealer independently from the finance agreement with My Car Credit. We do look to work with the dealers to waive this administration fee where appropriate, but on this occasion we were unable to do so; your feedback has been passed on to the relevant departments to drive improvements in our service. We hope you enjoy the new vehicle. With regards, My Car Credit

Posted 1 year ago

“Kept having to request updates. Not clear info. Slow to release funds. Some staff said they would contact me and never, I had yo contact them. Not a good experience sadly.”

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Posted 1 year ago

Dear Customer, Thanks for taking the time to leave us a review. We take all feedback very seriously and so have looked into your experience with us. There were some delays during your application as we completed due diligence with both the lender and our risk management team; we did reach out to you after each update in the process. Your application was accepted and paid out within 24 hours which is a fast turnaround for a finance application. Your comments have been fed back to our team to drive improvements in our service. We hope you enjoy your new vehicle. With regards, My Car Credit

Posted 1 year ago

“Call back rubbish”

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Posted 1 year ago

Hi Martyn, Thanks for taking the time to leave us a review. We take all negative feedback very seriously and so have investigated your comments. Your application was referred to multiple lenders to find the best accept available for your circumstances, which took some time to process resulting in a lack of updates via callback. We recognise that we could have reached out to confirm there was no update, and your experience has been fed back to the team to drive improvements in our service. We hope you are enjoying your new vehicle. Kind regards, My Car Credit.

Posted 1 year ago

“Although efficient and speedy, pre approved rate wasn’t as advertised and they gotten wage wrong in the affordability section which could of affected my APR considerably”

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Posted 1 year ago

Hi Karl, Thanks for taking the time to leave us a review. We're sorry to hear that you weren't 100% happy with our service for you, regarding the online application process and the rate. Our pre-approved rates are generated based on the information provided at the time of application; on confirming the information with one of our Advisors your application was updated to rectify the incorrect wage details submitted from your initial application. It was then submitted to our full panel of lenders and we exhausted all possible options before finding you a rate you were comfortable in moving forward with. Your feedback has been passed back to the relevant teams to drive improvements in our service, and we hope you enjoy your new vehicle. With regards, My Car Credit.

Posted 1 year ago

“You need to call to find out what they need. They don't call you, they don't send you an email requesting anything, it's only when you call that you find out what they need. Delay in the process I ended up losing two vehicles because they were sold due to the delay.”

Helpful Report

Posted 1 year ago

Dear Arnaldo, Thank you for taking the time to leave your review and we are sorry to hear that you experienced delays in communication. It appears that there were lender system issues which contributed to this. However, we agree that we could have done a better job of keeping you informed over this time. We apologise for any inconvenience caused and hope you are now enjoying your new car. Kind regards, My Car Credit

Posted 1 year ago

“Promised me 9.4 apr and said this was confirmed. Once deal was finalised it was 12.4 apr. This was not communicated to me and not what had been agreed and confirmed. I feel low apr was offered to lure me in . Really poor communication”

Helpful Report

Posted 2 years ago

Hi Albert, Thank you for taking the time to leave us a review. We take all feedback seriously and so we have checked the phone calls that are recorded between you and our advisor. We can confirm that the change in rate and the reason for it were communicated to you during a call on which you agreed to go ahead. Kind regards, Evolution Funding

Posted 2 years ago

“Not a very good experience from nearly the start to the finish. Changing the terms of the loan while I was sitting in front of the car dealer”

Helpful Report

Posted 2 years ago

Dear Anthony, we're sorry to hear that you have not had a good experience. We are unable to comment on individual circumstances publicly but should you wish to discuss your experience further, please feel free to email complaints@evolutionfunding.com. Kind regards, My Car Credit

Posted 2 years ago

“I felt the need to chase constantly. I was never really given clear timescales and felt like this should have been done at the start via email. The whole 'release funds by end of next working day' I.e. if its a Friday it won't be done until Monday feels so dated. Do you not use faster payment? Staff I spoke to on phone were all nice, but some erros on their side caused the delays. I sent various forms of ID given my recent house move, and it seems some of it wasn't submitted. When they told me that they needed to see different proof of address they ended up using a document I had already sent via email but they hadn't passed over to finance. This experience has genuinely taken a lot of the excitement out of getting a new car.”

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Posted 2 years ago

Dear Liam, thank you for taking the time to leave us a review and we're sorry that you didn't have a more positive experience. We have investigated your comments and agree that there were avoidable errors whilst processing your proofs of identification and that communication could have been clearer. Your feedback has been taken on board and will be used to make improvements within the team. We apologise for any inconvenience caused and hope that you are now enjoying your new car. Kind regards, My Car Credit.

Posted 2 years ago

“Quick service but not one mention of the £500+ admin fee until I read it myself on the docs.”

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Posted 2 years ago

Dear Jayne, thank you for taking the time to review us. We take all negative feedback seriously and therefore we have investigated your comments. The fee you mention is the dealer's admin fee when selling you the vehicle. This is not a fee that we, as the finance broker, are involved with which is why we do not mention it during our communication with you. We are satisfied that we have fulfilled correct process whilst handling your application. Kind regards, My Car Credit

Posted 2 years ago

“I informed the broker I no longer wanted to loan any warranty costs that the dealer quoted me on. They didn’t feed this back to the dealer when requesting invoice for the vehicle costs. Then it took one whole day for an invoice to get prepared because they didn’t ring the dealership to inform them or ask them to remove the warranty costs for the invoice I had to step in several times ringing both the dealer and the broker as to amending invoice What makes it worse - the broker lied to say that they were waiting on the dealer to re-send the invoice when In fact the dealership only had one call from them to stats that they needed to amend invoice. Then I was promised that the broker would put a request in for a speedier transaction to the dealer - they didn’t do it I was told 1 working day for funds to be cleared. Only cause I complained did they then do it. Otherwise I would have waited another full day!”

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Posted 3 years ago

“I’m not really sure what to say. The whole process was an absolute nightmare and something I don’t want to do again”

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Posted 3 years ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,254 reviews