Every year Evolution Funding, the car finance company behind My Car Credit, enters the UK’s largest industry awards. The best car finance companies are judged independently for their quality of service, their commitment to regulation and their investment in technology for better customer experience. This year, due to Covid, the winners were announced on virtual awards ceremonies.

Evolution Funding was delighted to be named Car Finance Awards 2020 ‘Best Broker’ for the fifth consecutive year. In addition, Evolution was awarded ‘Intermediary of the Year’ and ‘Digital Innovation of the Year: Consumer Finance’ at the Motor Finance Awards 2020.

Whilst we have a track record of leading the car finance industry, it is always a proud moment when we retain our award-winning status. These awards are a great boost to all of our staff who have worked so hard through Covid, whilst also ensuring that high industry standards are maintained.

Evolution Funding has lots of developments going on behind the scenes which will ensure that your experience of taking out car finance with My Car Credit is as smooth and hassle-free as possible. Our special (and award-winning!) technology also ensures that you get the best car finance deal available from our large panel of lenders. We want to continue to be the best car finance company in the market. This means you can be sure that we’ll be doing everything to make 2021 a great year too.

If you’re thinking about financing your next car, why not use our free car finance calculator to see what your monthly payments could be? When you apply online, there’s no obligation and no impact on your credit score, just a great car buying journey!

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

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.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!