I cannot fault my experience with Evolution. I applied for a car via Cinch, and was subsequently put in touch with Evolution as a broker, who secured my funding through one of their lenders. The proce... See more
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Review summary
Based on reviews, created with AI
What people talk about most
Based on these reviews
I began the process of applying for finance in order to get a new car relatively quickly to get too and from work. I spoke with James who was absolutely fantastic, he kept me updated on the status of... See more
Got funding with these to buy a used car from cinch. Process was easy from there side. They are a broker I had a problem signing my online documents with blue motor finance but I contacted evolution f... See more
The process was easy and smooth than I imagined. From time I submitted my application for finance online upto the time I drove away with my car. I would recommend Evolution to anyone who is like me wh... See more
Company details
About Evolution Funding
Written by the company
Evolution Funding is the UK's largest motor finance broker and technology provider.
We work in partnership with motor dealers and car finance comparison websites to provide motor finance on a range of vehicles, from cars through to motorhomes and everything in between.
Our large 30+ panel of lenders means we can cater for all types of credit profile and personal circumstances. We use our market-leading technology to ensure that customers are matched with the right lender and deal for their circumstances. Fair treatment and best customer outcome sit at the centre of everything we do.
Evolution is proud to have been named Car Finance Awards 'Best Broker' for nine consecutive years, and we continue to drive forward to maintain that standard.
Evolution Funding Ltd and associated trading styles are authorised and regulated by the Financial Conduct Authority (FRN 823324). We are a credit broker, not a lender.
Contact info
Thompson House, Thompson Close, S41 9AZ, Chesterfield, United Kingdom
- 01246 458 800
- marketing@evolutionfunding.com
- evolutionfunding.com
4.7
Excellent
812 reviews
Replied to 88% of negative reviews
Typically replies within 24 hours
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See how their reviews and ratings are sourced, scored, and moderated.
Walk you through what is relevant to…
Walk you through what is relevant to getting a finance and will help you with any question and query you may have. The staff are helpful
November 26, 2025
Very good service
November 26, 2025
Quick Service
I appreciate and thank for your quick service, this made me so happy about you. Thank you very much!
November 26, 2025
Straight forward and no messing about
November 26, 2025
Got there eventually
Lots of mistakes made which led to me being stuck at the garage waiting to drive my car away for 5 hours despite everything being completed by myself the day before. Lost the electronic paperwork, had to resign then sit and wait in the queue all over again for finance to be approved. Then 7 days later they wanted me to sign the paperwork for a third time with completely different values (higher values I might add) on without any explanation. Also seems they lie judging by their response to this review.
November 26, 2025
Reply from Evolution Funding
Hello,
Thank you for taking the time to leave your feedback. We’re really sorry to hear that your experience didn’t meet expectations. We’ve reviewed your application journey in detail and can see that everything progressed smoothly on our side, with your documents signed once and the finance approved and paid out without delay.
It’s not clear why it appeared that paperwork needed to be re-signed or why there may have been confusion around when to collect the vehicle, as nothing in the process indicates this. It’s possible there may have been some misunderstanding at the dealership, and we completely appreciate how frustrating that can be.
We never want any customer to feel unsure at any stage, so we’d be more than happy to talk things through and clear up any concerns. Please feel free to get in touch so we can help further by emailing complaints@evolutionfunding.com
Kind regards,
Evolution Funding
Got back to me quickly.
November 26, 2025
I was very happy with the service and…
I was very happy with the service and everything very helpful thank you
November 26, 2025
I would strongly advise avoiding My Car Credit / Evolution Funding.
At the start, they offered me a very attractive APR of 9 percent. Once I found a car, they suddenly claimed the lender wouldn’t finance it because they “don’t pay VAT”, which already raised questions. When I found another suitable car, they sold me a warranty upfront, which I paid for in good faith.
They then sent the invoice to their finance company and kept me waiting for three days with no update. When I finally called this morning, all I was told was, “I’m afraid we can’t go ahead with your application at this time.” No explanation, no email, no courtesy message, and no advice on what to do next. Just a dead end.
Despite having an excellent credit score, they ran my application through multiple lenders without informing me. I now have five hard searches on my credit file, all because they kept trying different companies behind the scenes. Those searches sit on your record and reduce your chances of getting finance elsewhere.
For a £20,000 car, their commission would have been around £2,500, with £500 of that going to ClearScore for the referral. It now feels like these brokers lure you in with a low APR, run multiple hard searches without consent, and leave you worse off when everything collapses on their side.
I’ve decided to wait until March for the searches to cool down and then take out a personal loan and buy the car directly. Far simpler.
Overall, the experience was stressful, unclear, and honestly quite disappointing. Avoid this company.
November 14, 2025
Unprompted review
Reply from Evolution Funding
Dear Slim,
Thank you for taking the time to leave a review. We understand it can be disappointing when a finance application cannot progress.
When you apply, an initial APR is generated using the information provided and an early view of your credit profile. As the application moves through further checks, additional information can sometimes change the outcome.
As a broker, we work with a panel of lenders who each carry out their own assessments. They make the final decision on whether they can offer finance, and they are not required to share the reasons behind that decision. In this instance, the lender was unable to proceed, which means we’re unable to take the application forward.
As the decision is final, we’re not able to provide any further detail.
Kind regards,
Evolution Funding
Great Service
Great Service, they are really helpful to find you a good option for your Car and friendly enough to speak with you and discuss your situation.
October 28, 2025
Great service from Evolution
Great service from Evolution, smooth process from start to finish, happy with my new vehicle 😊
October 28, 2025
They were efficient helpful and…
They were efficient helpful and respectful.
Everything was explained really well so I understood. There were no delays to the process.
October 28, 2025
Happy customers
Very helpful team dealing with our car finance. Would highly recommend to others
October 28, 2025
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