Helping you find the right car finance option
If you’ve been referred to Evolution Extra, don’t worry - you’re still on track.
Evolution Extra is part of Evolution Funding and is designed to help customers access car finance when the initial lender isn’t able to offer terms based on the first assessment.
Why have I been referred to Evolution Extra?
What is Evolution Extra?
We are a specialist service that works with a wider panel of lenders, including those who support customers with a broader range of credit profiles.
Understanding APR and your credit profile
Top Tip
Reviewing your credit score is an important step in understanding your financial position. Free and paid UK credit-checking services allow you to keep track of your score, identify any inaccuracies and monitor your overall financial health. You can access your credit report through providers including Experian, Equifax and TransUnion.
- Your credit score and credit history
- Your financial circumstances
- The lender’s criteria and risk assessment
Because of this, it’s not uncommon for a higher APR to be offered once your application has been fully reviewed.
This can happen if there is information in your credit profile that affects how lenders assess your application.
- Initial quotes are examples only, not guaranteed
- Final APRs are based on your personal credit profile, personal circumstances, and lender criteria
- Different lenders may offer different rates for the same application
Frequently asked questions
If you already have a car finance agreement, your car finance lender is best placed to help with:
- Payments
- Balances
- Changes to your agreement
- Settlements or early repayments
Their details can be found on our Funder Contact Details page.
Top Tip! You can find your lender on your agreement or in recent emails or letters.
Your APR is based on your individual credit profile and the lender’s assessment. Initial quotes are indicative, so the final rate may change after a full review.
No - it simply means we’re exploring alternative lenders who may be better suited to your circumstances.
We aim to find the most suitable and competitive option available based on your circumstances, but rates are set by lenders based on their criteria.
Lenders may carry out credit checks as part of your application. This will be explained during the process.