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Evolution Funding’s online car finance brand.

Representative APR 8.9%

My Car Credit

Helping customers find the right deal for their circumstances.

We have our own car finance website, where you can apply and get an instant online decision. Alternatively, you’ll find us on some of the leading car loan comparison websites, including, Experian, Clear Score and Totally Money.

Get an instant, online decision on car finance without impacting your credit file*.

We keep things flexible. You can find a car first or secure your finance and then look for a car. What’s more, you can choose from any reputable new or used car dealer.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Apply with car finance with My Car Credit
Our simple online application form takes just a few minutes to complete. Your initial application is soft search, allowing you to shop around without impacting your credit score.

Once completed, we’ll give you an instant decision on car finance. Our market-leading technology matches you with the best finance product and lender for your circumstances.

Your personal Car Credit Specialist will then get in contact to guide you through the process and answer any questions. They’ll be on hand to see through the whole journey.


contactless car finance at home

Contactless car finance 

Your application is handled online, from start to finish. This includes identity checks, uploading documents and signing your agreement digitally. You can secure car finance from the comfort of your sofa and without needing to visit a dealership.

Our goal is to make car finance online as simple and accessible as possible, no matter what your credit score (subject to status) – allowing you to buy the car you want, at the budget you can afford.

Setting a benchmark for online car finance

We’re proud of what we’ve achieved – we’ve been named ‘Best Direct Consumer Proposition’ for three years and Evolution Funding has been awarded ‘Best Broker’ seven years in a row! We take pride in delivering the best possible service and we always put our customers first.

Car finance Awards 2022 - Best Broker
Car finance Awards 2022 - Best Direct Consumer Proposition
best direct consumer proposition award graphic

My Car Credit reviews

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

Absolute pleasure to deal with. Everyone I spoke to was friendly and efficient. The easiest and most professional process, couldn't be happier with the service.
Everything from start to finish was easy, including the online signing and identification process, it's all first class and a very high standard of professional communication.
Really great finance company to work with. Everything was made really easy and they offered the best rate in comparison. Prompt in requesting paperwork and following up.

Interested in applying for car finance?