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 5,617 Reviews

96 %

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

Company Reviews

Metrics

Info

4.8

Based on 5,617 reviews

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

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

“Good apr, quick to deal with, customer service somewhat helpful. I was made to wait 5+ hours in dealership after travelling a long to pick up vehicle after being ensured that funds would be transferred previous working day to then find out that they couldn't do anything to make progress quicker as having a poor finance process in place.”

Helpful Report

Posted 1 month ago

Dear Anthony, Thank you for taking the time to leave your review. We're pleased to hear you found our team helpful and were happy with the finance rate we were able to secure. We're sorry to hear you were disappointed with the timing of your vehicle collection. While funds were released in line with the agreed process and timescales communicated to you, we appreciate this didn't make for the experience you were hoping for. We would like to thank you again for using My Car Credit. Kind regards, My Car Credit

Posted 1 month ago

“Firstly, I would like to make clear that the staff I have dealt with have been helpful and professional. My dissatisfaction is not with the individuals involved, but with the systems and lack of coordination between your organisation, and Tesla. I have been placed in a frustrating position where Tesla has advised that my finance agreement had not been completed, while I was told that it had been completed. Both parties then directed me to contact either the finance company or Tesla, which effectively made me the intermediary in resolving an issue that should have been managed between the relevant parties directly. Yesterday evening, I then received a message stating that I was required to complete a full identity check, which has now resulted in the collection of my vehicle being delayed. I am extremely disappointed with how this has been handled, as the lack of joined-up communication has caused unnecessary inconvenience, confusion, and delay at what should be an exciting and straightforward stage of the process.”

Helpful Report

Posted 1 month ago

Dear Damon, Thank you for your review. We are very sorry to hear about the experience you have had during your application journey. We take all feedback seriously and are currently investigating the concerns you've raised. We'll update our response as soon as our review is complete. If necessary, a member of our team may also contact you directly to discuss your experience further. If you have any further issues or queries in the meantime, please contact complaints@evolutionfunding.com. We would like to thank you for your patience. Kind regards, My Car Credit

Posted 1 month ago

Dear Damon, Thank you again for taking the time to leave your review and for your patience while we investigated your application. We're sorry to hear that your experience didn't meet your expectations. In this case, we were only able to progress your application once we received the vehicle invoice from the supplier. Unfortunately, we don't have visibility of their internal process or any outstanding steps before the invoice is issued. Once we received the invoice, we worked to complete everything as quickly as possible, although an unexpected security check caused a short delay. We appreciate that delays can be frustrating, but we're pleased the funds were still released in time for your planned collection date. Thank you again for your feedback, and we wish you all the best with your new vehicle. Kind regards, My Car Credit

Posted 1 month ago

“Not enough communication after the finance had been sorted very professional at the start but would’ve liked to be kept updated more .. but all sorted after 3 days I picked my new car up … so happy enough”

Helpful Report

Posted 2 months ago

Dear Carl, Thank you for your review. We’re pleased we could help get your finance agreement completed quickly, however we’re sorry to hear you felt communication after payout could have been better. We’re actively reviewing this internally to ensure customers are kept fully updated throughout every stage of the process. We appreciate you taking the time to share your experience. Kind regards, My Car Credit

Posted 2 months ago

“After being recommended, I wasn’t particularly impressed. I had to keep chasing and calling for updates throughout, despite being told everytime that I’d get a call back. Everyone I spoke to was very friendly , but a little relaxed in the approach to move things forward.”

Helpful Report

Posted 7 months ago

Dear Vanessa, Thank you for your review. We are very sorry to hear that you were not happy with your experience with My Car Credit. We take all negative feedback seriously and are currently investigating your complaint. We aim to get back to you as soon as possible. If you have any further queries or issues, please email complaints@evolutionfunding.com. Kind regards, My Car Credit

Posted 7 months ago

“At first the guy was super helpful, then on monday he didn’t seem at all interested in helping me and it was left for another employee to help.”

Helpful Report

Posted 7 months ago

Hello, Thank you for your review and for taking the time to share your experience with My Car Credit. We’ve looked into this and can see that there was a brief delay while the dealership requested Pre-Contract Credit Information. As this document contains sensitive personal details, we’re unable to share it directly with a dealership. In this case, due to the funder involved in your application, we also didn’t have access to manual documents to pass on, which caused a temporary hold-up. We’re pleased that the issue was resolved the same day and that the finance paid out on Monday evening. We can also confirm you were supported consistently throughout the process, primarily by the same advisor. We would like to thank you again for using My Car Credit. Kind regards, My Car Credit

Posted 7 months ago

“My Car Credit we’re fantastic from first application to completion they kept me informed, could not have wished for better”

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Posted 1 year ago

Hi Glen, Thank you for your feedback. We're delighted to hear that you were really happy with your experience with My Car Credit! We just wanted to point out that, despite such positive feedback, you only gave us three stars. This is classed as a negative review. To ensure our reviews are accurate and reflective of the service provided, we kindly ask if you could revise your review. Kind regards, My Car Credit

Posted 1 year ago

“Decent company and pretty straightforward process to go through. However I do feel that their customer service needs some improvement, I sensed impatience and attitude from some of the staff I spoke to over the phone.”

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Posted 1 year ago

“compering to Oakbrook loan it took 5 days longer to process the application and I have received to many calls and emails through out the process and too many companies involved in the process as well not sure about my data safety protection”

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Posted 1 year 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 1 year 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 1 year 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 1 year ago

“Staff all very friendly however wasn’t kept up to date with application and had to keep ringing myself for updates. Not sure if this was due to it being a weekend. Otherwise was still a relatively fast process, took 3 days from application to the dealer receiving the money.”

Helpful Report

Posted 1 year ago

Hello, Thank you for taking the time to share your feedback. We're sorry to hear your experience didn't fully meet your expectations. Having reviewed your application, we noted it was processed swiftly from your submission on Friday through to payout on Sunday. We note that we do run with reduced staff over the weekend, but we always strive to maintain a high standard of service. We genuinely appreciate your review and we hope you enjoy your new vehicle. Kind regards, My Car Credit

Posted 1 year ago

“Although I was accepted straight away for a car loan, the process was completely stressful. I was told that it would take 24 hours however the paperwork kept coming and coming. I had issues with no codes sent to me, I was repeatedly filling in the same form. I was then told it would be soon but then another set of paperwork came. I then had to make identity calls and then another and another, they then sent me another document and at this point I was so stressed that it took all the joy away of buying my new car. I spent £30 on a taxi to get half way to my friends who was going to drive me to the garage. The agent told me that she never told me to go to the garage to collect but what she did say was that if the money could not reach the garage in time they would send an email of confirmation. I was furious and the result of this made me lose my friend who wasn’t very happy that he had waited around all day to take me to the garage and then had to take me home instead!! There was no rhyme or reason as to why this happened to me and I would not recommend this company because of this… When I mention to Brianna that she should be telling the customer of the process and all of the forms, she said we can’t, I find this very unprofessional. Apart from this the team spoke to me in a professional manner and was efficient in their calls and emails, they just need to sort out the actual process.”

Helpful Report

Posted 1 year ago

Dear Joanne, Thank you for your feedback, and we're really sorry to hear that your experience didn’t go as smoothly as it should have. Unfortunately, there was a technical issue that meant we needed to update the commission disclosure form. While this was a rare occurrence caused by a known system bug, we completely understand how frustrating it must have been for you. Our development team is actively working to resolve this to ensure it doesn’t affect future customers. At My Car Credit, we aim to make the process as simple and seamless as possible, and it's disappointing to hear that we fell short of that this time. We genuinely appreciate your patience and understanding, and we’re taking your experience on board as we continue to retain our usual high standards. If there’s anything more we can do or if you'd like to discuss this further, please don’t hesitate to reach out by emailing complaints@evolutionfunding.com. Kind regards, My Car Credit

Posted 1 year ago

“I have left a 1-star review the day I closed as the company that financed me wanted extra proof and was really slow. I have since then been called by a member of the team and my feedback was taken on board. The overall process was relatively quick and easy and the service from "my car credit" was great every step of the way so I thought I will give them a more fair review.”

Helpful Report

Posted 1 year ago

Dear Beatrice, Thank you for providing another review that you feel reflects the service and experience you received from My Car Credit. We are happy to hear that our advisors were helpful and your feedback is greatly appreciated, we actively listen to all customer feedback to ensure our service stays top notch! We would like to apologise again for any inconvenience and we hope you enjoy your new car. Kind regards, My Car Credit

Posted 1 year ago

“I was appointed a case manager who promised to call at least twice but never did. Whenever I called, she was not available.”

Helpful Report

Posted 1 year ago

Dear Gradwell, Thank you for your review. We’re sorry to hear that you are dissatisfied with the level of communication you received during your application. We have investigated this further and agree that our communication efforts could have been improved in this instance. We have listened to your feedback and taken it on board as part of our goal to drive improvements in our process and to maintain our usual high standards. Kind regards, My Car Credit

Posted 1 year ago

“Quick application Would have been a lot faster if I was given a list of the approved car sales you use. I waisted 2 days searching for cars before I was informed.”

Helpful Report

Posted 2 years ago

Hi Jeffrey, thanks for leaving us a review. We are sorry to hear you had some issues regarding finding an approved dealer; we have looked into your application further and agree that our communication has been below the level of service we strive to provide. Your comments have been fed back to our team to drive improvements across our service. With regards, My Car Credit.

Posted 2 years ago

“My experience with my car credit wasn’t too bad. Their sales guys were very responsive and quick to get back to me. Jerome in particular kept me updated and made efforts to help find me a car. A negative point, is the lack of dealers my car credit are prepared to work with, which had I known this would have been an issue I would have maybe not done my finance application with them. I lost count how any cars I found that met all my criteria and my car credit refused to work with the dealers. Another negative is the lack of information given to me about who my car credit runs checks with prior to making an application. They got 3 companies to run hard checks on me which no doubt will affect my credit rating. Not happy about that.”

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Posted 2 years ago

“The service from the team was good. Helpful and fast. Though bare in mind that they are brokers. However their AA approved garage that supplied the vehicle was utterly atrocious, so much so that after a week the vehicle has been rejected after major faults that were hidden have come to light. Now waiting for the finance agreement to be unwound and to start all over again The funders they have placed us with have been superb throughout this process and I will definitely use them again.”

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Posted 2 years ago

“Got there in the end.Really to check out there approved garages some I wouldn't recommend”

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Posted 2 years ago

Hi, thanks for leaving us a review. We are sorry to hear you were disappointed with our service, and have looked into your experience following your feedback. To protect the interests of all involved, including our customers, we do vet all dealers and have strict criteria when approving dealers so expect a high standard of service. We will investigate further, and apologise for any inconvenience caused. We hope you are enjoying your new vehicle. With regards, My Car Credit

Posted 2 years ago

“Customer service not bad I was a bit disappointed with call backs I was the one calling all the time apart from that good support”

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Posted 2 years ago

Dear Customer, Thank you for taking the time to leave us a fair and constructive review. We take all feedback seriously and having investigated further, we agree that we could have been more proactive in providing you with updates on your application. We apologise for any inconvenience caused and will be using your feedback to drive process improvements. We hope you are now enjoying your new vehicle. Kind regards, My Car Credit

Posted 2 years ago

“Poor communication not keeping the customer up to date also on the final piece of paperwork the incorrect VIN number was put to the finance company which delayed it even more. Stressful!!”

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Posted 3 years ago

Hi Kathryn, Thanks for leaving us a review - we are sorry to hear you found the process stressful. 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 working in partnership with the dealer. However, we do appreciate that your experience as details were worked through will have been frustrating - our Team Leader has reached out to you to provide some further support, and your feedback has been passed on to our team to drive improvements in our service. We hope you are enjoying your new vehicle. Kind regards, My Car Credit

Posted 3 years ago

Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,617 reviews