Absolutely excellent. The initial quote I was given was the APR that I was approved at. Much lower APR offered than anywhere else! Customer service was excellent, full team were always willing to hel... ãã£ãšèŠã
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Staff were helpful and service only took a few days from application to finalisation. However, upon initial application I was quoted an APR of 8.9% 'guaranteed'. The eventual contract was actually 9.9... ãã£ãšèŠã
Car finance was fantastic in supporting me with getting my new car. Service was reliable, quick and easy. I would highly recommend. Connor war excellent and organise everything for me. The process was... ãã£ãšèŠã
Really pleased with this company really quick process from the initial contact car was found contracts signed and collection was 7 days later I highly reccomend!!
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My Car Credit ã«ã€ããŠ
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Awarded Car Finance Awards 'Best Direct Consumer Proposition' three times and 'Best Broker' for nine consecutive years.
*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.
Evolution Funding Ltd T/A My Car Credit is authorised and regulated by the Financial Conduct Authority (FRN 823324). We are a credit broker, not a lender.
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Evolution House, S41 9PZ, Chesterfield, è±åœ
- 01246 458 810
- enquiries@mycarcredit.co.uk
- mycarcredit.co.uk
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I had a fantastic experience with thisâŠ
I had a fantastic experience with this company. Everything was handled professionally, efficiently, and with great attention to detail. The team communicated clearly throughout, making the whole process smooth and stress-free. They were friendly, helpful, and genuinely focused on providing the best service possible.I was particularly impressed with their reliability and how quickly they responded to any questions I had. Itâs clear they take pride in what they do, and it really shows in the quality of their work.
I highly recommend them to anyone looking for a trustworthy and well-organised service. A truly outstanding experience!
Really professional and clear withâŠ
Really professional and clear with information. Had very little to do and the team engaged with the garage and deal was done in an hour. Brilliant.
The team was amazing and kept meâŠ
The team was amazing and kept me informed throughout the whole process
They were efficient and helped me.
Great communication
Great communication, everything went really smoothly. Couldnât ask for an easier purchase for buying car thanks
I was dealing with Hadi
I was dealing with Hadi, and he is absolutely brilliant and nothing is to much. He even searched cars for me and emailed his findings. Once he found the car for me he done the leg work and got everything in place.
Bloody brilliant.
Great service
Great service, very professional, quick and efficient. Highly recommended.
All the team I spoke to was reallyâŠ
All the team I spoke to was really helpful and Connor was amazing done everything he said he was going to done and worked his hardest to get me my vechile sharpish thank you all the team again
The customer service was brilliant
The customer service was brilliant, and super super fast too! Would highly recommend
Very helpful
Very helpful, fast service and great communication will definitely use again
I would strongly advise avoiding My Car Credit / Evolution Funding.
At the start, they offered me a very attractive APR of 9 percent. Once I found a car, they suddenly claimed the lender wouldnât finance it because they âdonât pay VATâ, which already raised questions. When I found another suitable car, they sold me a warranty upfront, which I paid for in good faith.
They then sent the invoice to their finance company and kept me waiting for three days with no update. When I finally called this morning, all I was told was, âIâm afraid we canât go ahead with your application at this time.â No explanation, no email, no courtesy message, and no advice on what to do next. Just a dead end.
Despite having an excellent credit score, they ran my application through multiple lenders without informing me. I now have five hard searches on my credit file, all because they kept trying different companies behind the scenes. Those searches sit on your record and reduce your chances of getting finance elsewhere.
For a £20,000 car, their commission would have been around £2,500, with £500 of that going to ClearScore for the referral. It now feels like these brokers lure you in with a low APR, run multiple hard searches without consent, and leave you worse off when everything collapses on their side.
Iâve decided to wait until March for the searches to cool down and then take out a personal loan and buy the car directly. Far simpler.
Overall, the experience was stressful, unclear, and honestly quite disappointing. Avoid this company.

My Car Credit ããã®åç
The supportive staff are exceptional
The supportive staff are exceptional, helpful, attentive, and professional.
Easy fast clear and helpful!
fast efficient easy to apply
Excellent to deal with
Excellent company to deal with front start to finish, catered for my every need and found loan that fitted perfectly within my budget, would highly recommend using and would use again in the future.
Very good simple straightforwardâŠ
Very good simple straightforward service, Chris dealt with my application and it was very easy especially as I had my car picked out already. Everything was sorted out the next morning and my car was ready the following day.
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