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Our specialist department for customers with impaired credit.

Have you applied for car finance with one of our approved dealers? If you have a low credit score, your dealer may pass your application over to Evolution Extra.

This is no cause for concern – Evolution Extra specialises in helping customers with poor credit, bad credit or even no credit history to secure car finance.

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Taking the stress out of low credit car finance

We understand exactly what steps to take to match you with the right lender on our panel. This ensures you are offered the best car finance deal available for your circumstances.

With subprime car finance, there can often be additional paperwork and lender criteria to fulfil. This is why we support you throughout the process, as well as giving you regular updates on the progress of your application.

Online car finance from start to finish

Your whole application is handled online, including passing security checks, uploading documents and digitally signing your agreement. This means that you can secure car finance from the comfort of your home and without needing to visit the dealership.

Our goal is to help you drive away in your new car as quickly as possible, whilst making your car finance journey an enjoyable and hassle-free experience.

Easy-to-use portal

Setting the standard for specialist car finance

You’re in good hands – not only was Evolution Extra named ‘Best Specialist Car Finance Provider 2019’ but Evolution Funding was also named ‘Best Broker’ eight years in a row! We continue to set the standard for car finance brokers, and we always put our customers first.



The acceptance we have secured for you is based on a variety of factors, with your credit score and overall credit profile being highly influential. It is possible that there is detrimental information in your credit file which has deterred funders from offering you a lower rate. Please be assured that our large funder panel combined with our specialist technology means we will always offer you the best deal available for your circumstances.

There are many factors that contribute towards your credit profile and car finance eligibility. These include (but are not limited to) your personal information, credit score, address history/traceability, employment details, proposed income, and financial history. Detrimental information can include financial defaults, CCJs and arrears on any fixed credit agreements. Influencing factors will go above and beyond your car finance history.

As we are primarily a dealer-introduced broker, we would encourage you to stay with the dealership your original proposal came from. This gives you peace of mind knowing that your dealership has been properly vetted and approved by Evolution for quality of service. If your introducing dealer is unable to help but you want to know if Evolution can finance a different vehicle, please speak with us.

Any fixed term credit that is paid back on time over long periods can help improve your credit score and credit profile. On top of maintaining an excellent record of repayments, there are other things you can do to improve your credit rating.

Evolution Extra reviews

Don’t just take our word for it: see the thousands of happy customers who have provided genuine feedback about their experience with Evolution Extra.

Sorted out my finance in a day. Couldn’t fault their speed and ease of use. Richard A. was exceptional in his explanation of the facts and also talking me through the whole process.
Thank you for helping me in providing finance to my car. Much appreciated. Following the process is easy and not complicated. Really enjoying my new ride.
Very professional and very helpful!. First time financing a car and was a lot easier then I anticipated, everyone was very friendly and made everything so smooth!