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Evolution Funding Ltd T/A My Car Credit Reviews

4.8 Rating 5,211 Reviews
97 %
of reviewers recommend Evolution Funding Ltd T/A My Car Credit
Company Reviews Metrics Info
4.8
Based on 5,211 reviews
Shipping & Delivery
Delivery Methods
Own Driver, Courier
Average Delivery Time
Next Day
On-time Delivery
Greater than 92%
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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Anne Waruhiu
Verified Buyer
“My car broke down a few days ago and getting to work became expensive and exhausting as I had to hail taxis or hike a ride. Cargiant declined my application and it felt like all trees were slippery and was giving up on getting myself a reliable car. I almost bought another cheap car until I downloaded clear score and My carcredit came at the top as the most reliable financier. I casually applied and the rest is history. I’m now a proud owner of a Toyota Yaris hybrid hatchback (2021). My car credit trusted me and came through for me while I needed that most. Now my work has gotten easier again. Kudos to Josh, Jak and the entire team. I’m definitely referring my friends. Blessings.”
Evolution Funding Ltd T/A My Car Credit 5 star review on 30th November 2024
Helpful Report
Posted 5 months ago
Dawid Cygan
Verified Buyer
“I am very happy with the customer service that accompanied me during the application and bringing everything to the end. Thank you very much for your help in buying the New car. 100% recommended”
Helpful Report
Posted 1 day ago
John Mullaney
Verified Buyer
“Easy and quick , no hassle, got the apr that was quoted”
Helpful Report
Posted 1 day ago
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 2 days ago
John Prout
Unverified Reviewer
“Good personal service”
Helpful Report
Posted 2 days ago
Carmen Pop
Verified Buyer
“Very helpful very informative and efficient and always quick answers”
Helpful Report
Posted 4 days ago
Simon Whittle
Verified Buyer
“I have to say the whole process from start to finish was exceptional in every way, I can rate them enough, especially “Josh” and now have the exact car I wanted, so check them out.”
Helpful Report
Posted 4 days ago
Benjamin Gardner
Verified Buyer
“Second time using car credit and every one I dealt with was always extremely helpful and made the experience very pleasant. Chris especially. Would definitely recommend”
Evolution Funding Ltd T/A My Car Credit 5 star review on 2nd May 2025
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Posted 5 days ago
JAMES BELL
Unverified Reviewer
“Never thought the process would be so easy, from start to finish it was an absolute joy. Highly recommend”
Helpful Report
Posted 6 days ago
Borislav Yosifov
Verified Buyer
“Very good!!!”
Helpful Report
Posted 1 week ago
Rohan Khatri
Verified Buyer
“Great Experience.”
Helpful Report
Posted 1 week ago
Anonymous
Verified Reviewer
“An efficient, professional and straightforward service. Thank you all very much, especially Jack and Keegan 🙂👍”
Helpful Report
Posted 1 week ago
Samantha Young
Verified Buyer
“All the staff at my car, Credit and Evelution were absolutely brilliant After having problems with the garage and already having financing my name that I had rejected, they were all so helpful in helping me get a new finance for the new car would highly recommend.”
Helpful Report
Posted 1 week ago
Anonymous
Verified Buyer
“Good overall, APR deal lower than most dealerships. Support is good, just a some downs with communication with dealerships that added delay to the process.”
Helpful Report
Posted 1 week ago
Joanne Atkinson
Verified Buyer
“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 week ago
Dear Joanne Thank you for your review. We're very sorry to hear about your experience. 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 week ago
Jake
Unverified Reviewer
“Super quick very polite and helpful. Connor was on the ball at every step.”
Helpful Report
Posted 1 week ago
Oladeji Adebayo
Verified Buyer
“Car Credit is the cheapest and they have a very straight forward process for car finace. They are the best”
Helpful Report
Posted 1 week ago
Marek Dzisevic
Verified Buyer
“The best compnay”
Helpful Report
Posted 2 weeks ago
Sue Stanton
Verified Reviewer
“It has been a difficult week but many thanks to Chris and the team for a brilliant service, all very polite and extremely helpful and really appreciate all the help - fantastic”
Helpful Report
Posted 2 weeks ago
Peter Farrell
Verified Buyer
“Great to deal with,staff were amazing. Great experience”
Helpful Report
Posted 2 weeks 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 2 weeks 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 week 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 2 days ago
Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 5,211 reviews
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