Business Details
15 Years
experience
Trusted Secured Loans for Homeowners in Manchester
Evolution Money was established in May 2011 with a vision to provide accessible finance solutions for individuals excluded by traditional lenders due to adverse credit histories. Our approach prioritises personal circumstances over automated credit scoring, ensuring tailored lending decisions. Since our inception, we have funded over 300 million in secured loans, supporting homeowners across the UK with debt consolidation, home improvements, and other financial needs. As a Certified B Corporation, we maintain a commitment to sustainability and ethical practices, evidenced by our Feefo Platinum Service Award and inclusion in The Sunday Times Fast Track 100. Our team conducts direct consultations with every applicant, offering transparent terms and flexible repayment options. With registered offices in Manchester, we operate under Financial Conduct Authority regulation, maintaining partnerships with Evolution Lending Limited while upholding strict compliance standards.
Services
Debt Consolidation
Home Improvement
Bad Credit
Car Finance
Holiday Loans
Details
- Year established: 2011
Highlights and features
- Tailored secured loans based on personal circumstances
- No impact credit eligibility check available
- Certified B Corporation status for ethical practices
- Over 300 million funded since 2011
- Feefo Platinum Service Award winners
Associations and certifications
- Certified B Corporation
- Finance and Leasing Association
What people say
Quick straightforward process
Friendly professional staff
Helpful consistent support
Simple application
Fast fund disbursement
Services
Debt Consolidation Loan
Combine multiple debts into single monthly payment. Ideal for managing credit card balances and personal loans. Secured against property with flexible terms 320 years. Reduces financial stress through simplified repayments while maintaining competitive interest rates.
Home Improvement Loan
Finance home upgrades like kitchens and bathrooms. Loan amounts 5k100k with tailored repayment schedules. Enables property value enhancement through secured funding. Professional assessment ensures appropriate loan-to-value ratios for homeowner projects.
Bad Credit Loan
Specialist secured loans for imperfect credit histories. Comprehensive evaluation considers current financial situations beyond past credit scores. Provides access to funds through property equity with responsible lending practices and transparent terms.
Car Finance
Secured financing for car, van, or motorcycle purchases. Loan amounts from 5,000 with variable interest rates. Flexible terms enable affordable monthly payments while maintaining vehicle ownership security.
Holiday Loan
Fund UK or international travel with fixed-term secured loans. Competitive APRC rates with clear repayment schedules. Enables holiday planning through structured borrowing with responsible lending assessments.
Questions
Can I apply for a loan with bad credit?
Yes, we consider personal circumstances beyond credit history. Our secured loans offer options for adverse credit histories.
How much can I borrow?
Secured homeowner loans from £5,000 to £100,000 with terms 3–20 years based on eligibility.
What fees apply to your loans?
Includes product fees (10% of loan amount) and variable lending fees depending on location.
How quickly can I receive funds?
Approved applications may receive funds within 4–5 days after documentation completion.
Are your loans secured against property?
Yes, all loans require property security with risks of repossession for missed payments.