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Evolution Funding Ltd T/A My Car Credit Reviews

4.8 Rating 4,760 Reviews

97 %

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

Company Reviews

4.8

Based on 4,760 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

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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Evolution Funding Ltd T/A My Car Credit 5 star review on 28th March 2024

Cristian Arustei

Evolution Funding Ltd T/A My Car Credit 5 star review on 28th March 2024

Cristian Arustei

Evolution Funding Ltd T/A My Car Credit 5 star review on 28th March 2024

Cristian Arustei

Evolution Funding Ltd T/A My Car Credit 5 star review on 28th March 2024

Cristian Arustei

Evolution Funding Ltd T/A My Car Credit 5 star review on 4th January 2024

Evolution Funding Ltd T/A My Car Credit 5 star review on 8th November 2023

Evolution Funding Ltd T/A My Car Credit 4 star review on 9th June 2023

103

Anonymous

Anonymous // 01/01/2019

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

“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.”

Posted 6 days 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..”

Posted 1 month 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!!”

Posted 2 months 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 month 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.”

Posted 4 months 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.”

Posted 6 months 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 5 months 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.”

Posted 8 months 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 8 months 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.”

Posted 8 months 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 8 months ago

“Call back rubbish”

Posted 9 months 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 8 months 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”

Posted 9 months 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 9 months 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.”

Posted 9 months 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 9 months 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”

Posted 1 year 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 1 year 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”

Posted 1 year 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 1 year 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.”

Posted 1 year 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 1 year ago

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

Posted 1 year 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 1 year 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!”

Posted 1 year 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”

Posted 1 year ago

“could not buy the car i wanted from the dealer i wanted had to use one of there's trying to sell me extra's”

Posted 1 year ago

“I financed two cars at the same time, one using my car credit and the other using the one a dealership recommended (black horse). My car credit have made it difficult at every step, asking me to sign all paper work by hand (I don't own a printer) and taking days to come back with any answers or not coming back to me at all. Black horse was all online and funds were sent and arranged in 1 day. I am currently on day 5 with my car credit and the funds are meant to be with the dealership today, however I am not holding my breath looking at other reviews. If you're unsure whether to go for these or the one your dealership is recommending I would 100% recommended steering clear.”

Posted 2 years ago

Dear Customer, we're sorry that you have been disappointed with your experience. Whilst the majority of our lenders do offer digital signing options, unfortunately the lender who you were approved with does not. Our only option was to have the paperwork completed manually, and we do agree that this is much less efficient. Now that everything is completed, we hope you are enjoying your new car. Kind regards, My Car Credit.

Posted 2 years ago

“I filled out an application and got a conditional approval straight away, which was great. Since I live in an area with no phone signal I emailed the address in the response I got (a guy called James) to ask him to send me details of the next steps. Never got a reply. Then got a template email a day later asking me to call them to progress the application. Emailed again to say I couldn't call, but if they'd email me details of what they needed (I assume proof of salary etc) then I'd get right on it. No reply again. Finally I get another template email saying 'we've been trying to get in touch with you but we've not heard from you so we'll withdraw your application if we don't hear from you' Each of these emails gave me the option to contact them by phone or email, and each time I emailed them straight away, explaining that I couldn't phone, and got ignored. Either respond to your emails or at least don't claim it's a viable way to contact you.”

Posted 4 years ago

Hi, thanks for taking the time to leave us a review. We are sorry for the miscommunication regarding your application - we strive for excellent customer service and have clearly let you down on this occasion. One of our Team Leaders will contact you via email this morning to see if there is anything we can do further for you, and your feedback has been passed onto the relevant departments to review our processes and drive improvements across our service. With regards, My Car Credit

Posted 4 years ago

“Never return calls”

Posted 4 years ago

Hi, thanks for taking the time to leave us a review. We are sorry to hear that you did not have a positive experience with us - we strive for excellent customer service and have clearly let you down on this occasion. Your comments have been passed to the relevant teams to drive improvements. Thanks, MCC

Posted 4 years ago

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Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 4,760 reviews