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About My Car Credit

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

About My Car Credit

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

Part of Evolution Funding, the UK’s largest motor finance broker.

About My Car Credit

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

Part of Evolution Funding, the UK’s largest motor finance broker.

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.

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How we’re different...

We’re part of the UK’s largest motor finance broker, Evolution Funding, who have been at the forefront of motor finance technology for years. 

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

My Car Credit Store

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!

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 Reviews.co.uk.

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.

JS

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!
My Credit Rating

Excellent

  • 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

Good

  • 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

Fair

  • 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

Poor

  • 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

Bad

  • 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
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*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.

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