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About My Car Credit

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

Red My Car Credit car with review icons behind
Part of Evolution Funding, the UK’s largest motor finance and technology provider.
Part of Evolution Funding, the UK’s largest motor finance and technology provider.

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.

How we’re different...

Evolution Funding and My Car Credit connected

We’re part of the UK’s largest motor finance broker, Evolution Funding. Our award-winning technology combined with our broad lender panel improves your chances of being accepted for car finance.

We have the largest panel of car finance lenders out of any UK broker. What’s more, we’ve developed special technology which matches you with the best product and lender for your circumstances. This improves your chances of an acceptance, at a rate you’re happy with. This is completely unique to Evolution Funding, and is something we’re very proud of!

Evolution Funding and My Car Credit connected
My Car Credit Store

In 2015, My Car Credit was launched, aimed at those customers who want to easily shop around for car finance online.

We focused on creating a quick and simple application process. Our Car Credit Specialists then handle your application right through to payout, providing advice and support where it’s needed.

Even better, we’ve built up relationships with over 5,500 reputable car dealers throughout the UK. This means we have a pool of My Car Dealers who can help you with sourcing the perfect nearly-new or used car!

My Car Credit Store
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My Car Credit reviews

As the UK’s largest car finance broker, we have a reputation to uphold! We work hard to ensure our customers have the best possible experience and we’re really proud of the feedback we receive. Take a read of some of our favourites and also check us out on

So happy I found the perfect finance deal to go with a perfect car. Initial enquiries made at 11am, finance sorted and car collected by 3pm. Very impressed and would definitely recommend.
Lee Buxton
Got such a great deal and service. Saved 3% difference in APR rate offered by dealership. I was nervous as have never done car finance before but the guys helped me every step of the way.
Cannot recommend highly enough. Contacted them on the Sunday afternoon, deal complete inside 48 hours with an APR of 5% lower than quoted! Picking the car up on Friday. Can’t say better than that.
Dave Sargent

Require more help?

Can’t find the information you’re looking for? Need some support or guidance? Get in contact – our friendly and experienced Car credit Specialists are here to help!

Require more help?

Get in contact – our Car Credit Specialists are here to help!
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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 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.