My Car Credit Avaliações 

1.160
O TrustScore é 4.5 de um total de 5

4,6

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Veja o que dizem as avaliações

Avaliado com 5 de um total de 5 estrelas

I’ve had a really positive experience with My Car Credit, and I especially want to mention Joshua, who has been absolutely amazing throughout the process. He was always so helpful, answered all o... Ver mais

Avaliado com 5 de um total de 5 estrelas

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... Ver mais

Avaliado com 5 de um total de 5 estrelas

Fast response & competitive prices. The bank is still thinking of offer/% & i already collected car last friday. Bank % was slightly lower but asking too manny silly things like my tax returns & co... Ver mais

Avaliado com 3 de um total de 5 estrelas

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... Ver mais

Detalhes da empresa

  1. Financiamento e Empréstimo de Carros
  2. Corretor Financeiro

Sobre My Car Credit

Escrito pela empresa

Rates from 9.9% APR. Representative APR 11.9%. Free car finance calculator. Initial soft search with no impact on credit score*. Instant online decision. Broad panel of lenders to cater for all circumstances and credit profiles.

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.


Informações de contato

4,6

Excelente

O TrustScore é 4.5 de um total de 5

1 mil avaliações

5 estrelas
4 estrelas
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Pede aos clientes que avaliem

Esta empresa convida seus clientes a deixarem avaliações, sejam elas positivas ou negativas

Respondeu a 100% das avaliações negativas

Normalmente responde dentro de 48 horas

Como esta empresa usa o Trustpilot

Veja como as avaliações e classificações são obtidas, pontuadas e moderadas.

4,6

Todas as avaliações

(1.160)

213 avaliações nos últimos 12 meses

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Avaliado com 5 de um total de 5 estrelas

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.

21 de novembro de 2025
Avaliado com 1 de um total de 5 estrelas

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 wouldn’t finance it because they “don’t pay VAT”, 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, “I’m afraid we can’t go ahead with your application at this time.” 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.

I’ve 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.

14 de novembro de 2025
Avaliação não solicitada
logotipo da My Car Credit

Resposta da My Car Credit

Dear Slim,

Thank you for taking the time to leave a review. We understand it can be disappointing when a finance application cannot progress.

When you apply, an initial APR is generated using the information provided and an early view of your credit profile. As the application moves through further checks, additional information can sometimes change the outcome.

As a broker, we work with a panel of lenders who each carry out their own assessments. They make the final decision on whether they can offer finance, and they are not required to share the reasons behind that decision. In this instance, the lender was unable to proceed, which means we’re unable to take the application forward.

As the decision is final, we’re not able to provide any further detail.

Kind regards,
Evolution Funding

Avaliado com 5 de um total de 5 estrelas

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.

28 de outubro de 2025
Avaliado com 5 de um total de 5 estrelas

An absolute delight to deal with!

An absolute delight to deal with. So easy to apply, a friendly and knowledgeable agent talked me through the whole process, next steps and also checked in after all had gone through and I had collected my car.

Everything was done digitally, so there were no mountains of wasted paper and unpredictable royal mail to dictate how fast/slow the process would take. Digital first, so much more reliable!!

I couldn't be more pleased with the service - Thank you and a big shout out to Connor, whom I dealt with for this process.

24 de outubro de 2025

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