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Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJ’s
  • You may have been refused credit elsewhere
  • You may be in a debt management plan

Hire Purchase

Monthly payments
£000.00
APR
0.0
Total amount payable
£00,000.00

Representative example: Annual Interest Rate (fixed) X% p.a., with a representative X% APR, deposit of £XXXX, loan amount of £XXXX repaying over 59 monthly payments of £XXXX followed by 1 payment of £XXXX, total cost of credit is £XXXX*, total amount payable is £XXXX.

*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter.

Personal Contract Purchase

Monthly payments
£000.00
APR
0.0%
Total amount payable
£00,000.00
Final payment
£0,000.00

Representative example: Annual Interest Rate (fixed) X% p.a., with a representative X% APR, deposit of £XXXX, loan amount of £XXXX repaying over XX monthly payments of £XXXX followed by 1 payment of £XXXX, total cost of credit is £XXXX*, total amount payable is £XXXX.

*The representative example includes an estimated option to purchase fee of £XXX. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter.

My Car Credit is a trading style of Evolution Funding Ltd. Evolution Funding Ltd is registered in England and Wales under registered number 11354996 whose registered office address is at Thompson Close, Chesterfield, S41 9AZ. VAT Reg. Number: GB 315630330.

Evolution Funding Ltd and associated trading styles are authorised and regulated by the Financial Conduct Authority. We are a credit broker not a lender. Our FRN number is 823324. Finance subject to status. Terms and Conditions apply. A guarantee may be required. Over 18’s only.

FCA register: Evolution Funding Limited

We can introduce you to a limited group of carefully selected credit providers who may be able to offer you finance for your purchase. Our role as a credit broker is to determine which lender on our panel to introduce you to. Each credit provider may have different interest rates and charges. We do not charge you a fee for our services.

We will receive commission from the credit provider for introducing you to them and we will also pay a commission to the introducing supplier or partner. The commission received is either a fixed fee or a percentage of the amount you borrow. The lenders we work with could pay commission at different rates, however the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.

For full details on our commission arrangements and further important information, please click on our initial disclosure document: Initial Disclosure Document