At My Car Credit, we’re dedicated to making car finance easier for you. In today’s digital world, that means having a website that’s fast, easy to use and packed full of handy guides and resources.

That’s why we’re delighted to introduce our new website, which has a range of improved features for our customers.

Lightning fast!

Let’s face it, slow websites are a pain in the neck – whether you’re searching for holidays or shopping for clothes. First and foremost, we’ve made sure our site’s performance is up to scratch with simple navigation and quick loading times, so you don’t have to wait around to get the best finance quotes.

Car finance calculator

Our new site also boasts an innovative car finance calculator which is quick and easy to use. Simply enter the loan amount and repayment term along with an estimate of your credit rating to get a finance deal tailored to you – with no impact on your credit score.

Help & advice

With all the paperwork and credit scores, it’s fair to say car finance can be overwhelming. Fortunately, our new website has a dedicated Help & Advice section to provide answers to all your questions. Browse by category or search for your specific query to find all the information you could ever need.

Helpful explainers

Sometimes, you don’t want to read page after page. Especially when things are a bit more complex. That’s why we’ve included a selection of explainer videos that outline things like how car credit works, to ensure you can make an informed decision.

FCA compliance

Above all else, we’ve put FCA compliance at the top of our list when building our new site. You can rest assured we’ll be completely clear with you every step of the way, with no hard-selling or hidden costs.

Put us to the test!

The best way to try out a car is with a test drive. That’s no different with our new site. Try our quick and easy car finance calculator today to get the best quote for your car finance.

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!