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About My Car Credit

Part of the UK's largest motor finance broker Evolution Funding*

Red SEAT car with number one for car finance trophy next to it

Our goal has always been to make car finance online as simple and accessible as possible, no matter what your credit score – allowing you to buy the car you want, at the budget you can afford.

A bit about us...

Evolution Funding has been delivering car finance via the nation’s car dealers since 2002, and this is still a huge part of our business.

We noticed that not everyone wants to sort out car finance in the dealership. In fact, a growing number of people like to sort out their car loan before they even look for a car.

Computer showing evolution funding logo next to pile of money
Apple Mac computer with large colourful my credit logo on the screen

In 2015, My Car Credit was born, aimed at those customers who want to shop around for car finance online. Customers also want a quick and simple application process handled by Car Credit Specialists, providing advice and support where it’s needed.

Even better, because we’ve built up relationships with over 4,500 reputable car dealers throughout the UK, our pool of My Car Dealers can also help with sourcing the perfect nearly-new or used car!

I have to say, My Car Credit were amazing dealing with my car. I read the reviews before I contacted My Car Credit and thought what others may have thought. A: is it that simple? B: how do they generate these reviews to give people peace of mind to contact with confidence? I have to say I was sceptical about it. How can it be this easy? Well the truth is - it is. My brother has also gone with them too. So a huge 5 star for you guys. Thanks again.

Alan M
17th July 2019

The company were very helpful, and nothing was too much trouble to get the finance in place. They kept me totally up to date all the way through the process.

Anna H
12th Sep 2019

My Car Credit were brilliant. They were incredibly quick to find me a lender and confirm all necessary details. Even looked for cars for me. Very engaged with me as a customer. Couldn't be happier!!! Well done Callie!

Brad B
11th Sept 2019

Very nice, helpful, professional and transparent. Would recommend to everyone as they are really giving everything to help you receive the best option.

21st Aug 2019

Quick, clear and efficient, everything explained carefully and concisely. Decision made quickly, the whole process was easy and painless. Would use again if necessary.

Chris S
17th Aug 2019

Absolutely fantastic service. Fast response, spoke to the car dealer direct, send paperwork straight away and paid out pretty much as soon as paperwork was signed, cannot fault this company at all.

Liam S
9th Nov 2019

We’re proud of what we’ve achieved…

In 2019, My Car Credit was named ‘Best Direct Consumer Proposition’ at the UK’s Car Finance Awards.

Evolution Funding was also named ‘Best Broker’ for the fourth consecutive year – an unprecedented achievement – reflecting our unwavering commitment to helping customers have a fantastic car-buying experience.

Car Finance Awards Best Broker
Motor Finance Intermediary of the Year
Motor Finance Consumer Finance
Car Finance Awards Best use of Technology
Car finance Awards Best specialist car finance provider
Car Finance Awards Best direct consumer proposition
My Credit Rating


  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed


  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs


  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit


  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past


  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan

X monthly repayments of

Typical rate

Loan amount

Total payable




*for illustration purposes only

No impact on your credit score

Representative Example

Borrowing £7,500 at a representative APR of 14.9%, annual interest rate (fixed) 14.85%, 47 monthly payments of £204.69 followed by 1 payment of £214.69 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,335.12, total amount payable is £9,835.12.

My Car Credit is a credit broker and not a lender.