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Evolution Funding’s online car finance brand.

Rates from 9.9% APR.

Representative APR 12.4%

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.

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.


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

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.

Easy-to-use portal

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’ nine years in a row! We take pride in delivering the best possible service and we always put our customers first.

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?

Interested in applying for car finance?