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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 3 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful
Jeffrey McLeod
Verified Buyer
“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 weeks 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 weeks ago
Alecia SEWELL JULYE
Verified Buyer
“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.”
Helpful Report
Posted 2 weeks ago
John McLean
Verified Buyer
“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.”
Helpful Report
Posted 2 months ago
Anonymous
Unverified Reviewer
“Got there in the end.Really to check out there approved garages some I wouldn't recommend”
Helpful Report
Posted 6 months 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 6 months ago
Anonymous
Verified Buyer
“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”
Helpful Report
Posted 7 months 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 7 months ago
Katherine Licence
Verified Buyer
“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!!”
Helpful Report
Posted 9 months 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 8 months ago
Devaka Fernando
Verified Buyer
“Overall straight forward process and excellent service from my car credit but would recommend them having a process where the client can track the whole process online (from the application acceptance to money being paid out to the dealer) as it saves the client from calling my car credit for progress updates.”
Helpful Report
Posted 9 months ago
Anonymous
Verified Buyer
“Initially the whole process was a nightmare. The person who answered the telephone wanted sacking! Called me ‘love’ and never passed on appropriate messages. If I hadn’t wanted this particular car then I’d have given up! Eventually I go through to a professional hooray! Things went great from there so thank you David.”
Helpful Report
Posted 10 months ago
Dear Customer, Thank you for taking the time to leave your review. We take all feedback seriously and so we investigated your comments further. All calls are recorded for training and quality purposes and having listened to every call, we are satisfied that our high standards have been achieved. Your advisor does use 'love' at the end of one call and so we apologise for any offence caused but overall, they are friendly and helpful throughout and your dissatisfaction is not evident on any of the calls. We are sorry you were not happy with your experience but hope that you are now enjoying your new car. Kind regards, My Car Credit
Posted 9 months ago
Anonymous
Verified Buyer
“Easy process, however I was not made aware when I initially applied that funds can take 7 days to clear.”
Helpful Report
Posted 10 months ago
Dear Customer, We are pleased to hear that you found the process easy but we are sorry to hear you experienced a delay. We have checked on your application and the funds were sent to your dealer the next working day. We are unaware of any reason why the funds would have been delayed for as long as seven days. We hope you are now enjoying your new car. Kind regards, My Car Credit
Posted 9 months ago
Anonymous
Verified Buyer
“I found the process frustrating and slow. Many different staff members calling me to ask the same quotation over and over. I got sick and tired of telling them my date of birth and first line of my address. The finance was needed for a specific date. They failed to sort it out and I ended up paying for the car myself in order to get myself home and then had to wait for the car garage to pay me back.”
Helpful Report
Posted 10 months ago
Anonymous
Verified Buyer
“Apr very high. Process simple and straightforward though. So ok.”
Helpful Report
Posted 1 year ago
Dear Customer, we're pleased to hear that we made everything simple and straightforward for you. It is disappointing that you have given us a low rating due to your APR. Unfortunately, this is not something we can influence as it is determined by your credit score and personal circumstances. Kind regards, My Car Credit.
Posted 1 year ago
Laurance Farrell
Verified Buyer
“Nice and quick once the process was started although certain aspects of the application could have been clearer and no clear indicator of what would happen in relation to the finance if the vehicle would have to be returned under the dealers 14 day return/ exchange policy once received ?? (On writing this review I still have not received the vehicle a week on from the finance being paid due to the dealer backlog in preparing the car.) Also I had requested two quotes for different vehicles based on budget but only given the option to submit one? Hopefully everything will be ok once I receive the car but it would have been nice for some details to be clearer.”
Helpful Report
Posted 1 year ago
Dear Laurance, thank you for taking the time to provide your feedback. We are pleased to hear that once underway, things moved quickly. However, we are sorry that you also experienced issues with communication, and this has been fed back to our team. In terms of obtaining two quotes, our system only allows one 'live' vehicle at a time to be submitted as this helps reduce any vehicle errors going forward. We have attempted to contact you to discuss the backlog issue with the dealer but have been unable to get through. We hope you have now collected your vehicle but please get in touch if we can be of any further assistance. Kind regards, My Car Credit
Posted 1 year ago
John Ballinger
Verified Buyer
“Was okay but took a while to sort things and still not received any documentation”
Helpful Report
Posted 1 year ago
Dear John, thank you for taking the time to provide feedback. We have looked further into your comments and can see that we contacted you promptly to progress your application. We requested an invoice from your dealer on the same day. However, it took several days for the invoice to be submitted to us, something outside of our control. We chased the missing paperwork on numerous occasions on your behalf whilst also keeping you updated on progress. In terms of the documentation, you will have been allowed to download this when you completed your digital signing. If you didn't do this at the time, you will need to contact your lender as we do not have access to your documentation. We hope this helps with resolving this final stage and hope you are now enjoying your new car. Kind regards, My Car Credit.
Posted 1 year ago
David Nash
Verified Buyer
“Josh was excellent but it didn't help to have an email confirming funds when in fact it hadn't been processed. Josh saved the day by getting the treasurer to make a separate payment”
Helpful Report
Posted 1 year ago
Baiju John
Verified Buyer
“Clarity and communication needs improvement. I could have taken the delivery of the car sooner if I had been told things clearly.”
Helpful Report
Posted 2 years ago
Simon De Freitas
Verified Buyer
“Very quick & easy to apply, however a bit disappointed on the high interest rate not at all what I was expecting as my credit score is rated by ClearScore as excellent plus your rates as advertised are a lot lower . I’m aware everything is subject to status but my Status is very good .”
Helpful Report
Posted 2 years ago
Hi Simon, thank you for your comments. We have checked over your application and reviewed recordings of your calls with our advisors. It does appear that you opted for a particular type of finance that met your specific needs and that you were advised that the rates would be higher with this option and you still instructed us to proceed. We are pleased to hear that you found the process quick and easy and hope that you have found a suitable vehicle. Kind regards, My Car Credit
Posted 2 years ago
Adam Walker
Verified Reviewer
“Very long winded process, I have used car finance 24/7 before and they literally pay out straight away same day not a 3 working day timescale. Maybe you should adopt this style especially in this day and age when you can send thousands of pounds instantly to any where in the world it seems a little draconian that it’s taking 3 days. My advisor was great though! Your staff certainly save the processes you have in place. The team are brilliant but I highly doubt I will use the company again. Please can I highlight again molly gee was brilliant a great asset to the team along with all the other staff members I spoke too, it’s just a shame there are limitations. I think it’s fair to say though that you did come to my aide when Zopa messed up and for that I am greatful!”
Helpful Report
Posted 2 years ago
Hi Adam, thank you for leaving us a review and we're sorry that you experienced an issue with one of our panel of lenders. Zopa is a very reputable and reliable lender and we can assure you that this is an isolated incident relating to a technical issue. Thank you for your comments about our advisors, who have worked hard to find solutions for our customers whilst these technical issues are being resolved. We hope you are now enjoying your new car and that you will consider using us again in the future. Kind regards, My Car Credit
Posted 2 years ago
Anonymous
Unverified Reviewer
“Simon was fantastic , process started out smooth but stalled with myself chasing a lot, I have to say maybe consultants should not make promises they don't stand up to in terms of following through the full deal . All in all I now have a car at least thanks to Simon !”
Helpful Report
Posted 2 years ago
Dear Customer, we're sorry to hear that you have not been fully satisfied with your experience with us. We are unsure of what promises have been made that weren't then fulfilled but we're pleased to hear that Simon was able to assist you in the end. We hope you're enjoying your new car. Kind regards, My Car Credit.
Posted 2 years ago
Jason Sundar
Unverified Reviewer
“Applied for a car loan/finance not to long ago replied with an email. To say I'm accepted but not confirming the amount I'm entitled to...... Can some talk me threw the process.... are they a lender or if not can someone tell me potential lenders. Thank you guys, Jay”
Helpful Report
Posted 3 years ago
Matt Brown
Unverified Reviewer
“Brianna was a pleasure to deal with however the process I would describe as ‘clunky’ the process split over many separate phone calls and being asked to repeat the same information multiple times many times in a day sometimes even in the same phone call gets very tedious, one phone call I had to repeat my date of birth and address as security questions three separate times, I had to go through the same identity security check twice today going through the same questions. The garage supplying the car has given me the same feedback about the dealings from their end also.”
Helpful Report
Posted 3 years ago
Hi Matt, thank you for your feedback and we're sorry to hear that your experience didn't go as smoothly as you'd hoped. During Covid lockdowns, there does tend to be an increase in criteria and security checks requested by the lender. We appreciate this can be frustrating but this is for the protection of all parties - you, the lender, the dealer and us, the broker. There were also delays created by the dealer sending through incorrect paperwork, which we then needed to resolve. Thank you for your patience in all of this and we hope you're now enjoying your new car. Kind regards, My Car Credit.
Posted 3 years ago
Evolution Funding Ltd T/A My Car Credit is rated 4.8 based on 4,761 reviews
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