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Evolution Money
Customer Enquiries 0161 814 9158
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Thank you for applying for a loan with us today

Unfortunately, we are unable to help you at this time. You may be able to find further information regarding your application on your credit file at TransUnion.co.uk.

If in the future your circumstances change, we hope you would consider us, we’d love to hear from you.

Thank you for considering Evolution Money.

Common Reasons why people are declined

Your credit history

Check your credit file as it holds information on your credit history. There are many companies that offer free credit history checks.

If you find any of the information on your credit report is wrong, you may be able to correct it. Make sure you inform the credit reference agency of any errors.

It is useful to close unused credit cards and other accounts this could also help improve your credit rating; this will reduce the amount of credit you have access to. While you may not owe money to these old accounts, in the eyes of prospective lenders, there is the potential to borrow more money.

Your credit score

When you apply for any kind of credit, most lenders will need some form of assurance that you are in a position to repay the money they have lent you, including any interest.

To help them assess this, they collect information and calculate a credit score. Generally, the higher the score, the lower the risk it is for them to give you credit.

If you make an application for a loan, mortgage, credit card or other form of borrowing, the lender will perform a credit check on you.

The credit check will be used to form part of the lender’s decision-making process to ascertain whether you would be a risky borrower and assess your ability to pay the loan back.

There are many companies that offer free credit score checks.

You didn’t meet the lenders criteria

All lenders have different criteria.

Here at Evolution Money you must:

Be a homeowner as this is a secured loan you must be a homeowner with a mortgage

Be aged 18 – 70 and the loan must be paid back by your 70th birthday

Live in England, Wales, Scotland and Northern Ireland

Be permanently employed either full time or part-time or you must have been self-employed for a minimum of 12 months’ continuous period.

Your employment position

All lenders have different criteria which may vary

Our criteria requires you to be in full time or part-time permanent employment or you must have been self-employed for a minimum of 12 months’ continuous period.

Not being registered on electoral roll

Check if you are registered on the electoral role. If you aren’t registered, then it isn’t complicated to update your details.

You can do it online at the www.gov.uk/register-to-vote.

It is important that you keep your details updated as this provides proof of your current address to lenders.

*Evolution Money is a member of the Darwin Group of Companies. The above figures reflect all lending by all Darwin Group companies since 2011.

How our customers rate us

We’re proud of the high standard of our customer service and believe that each of our customers should be treated as an individual.
Evolution Money 96 out of 100, based on 178 reviews over the past year. 178 user reviews. Read our reviews

Members of the The Finance & Leasing Association

FLA logoWe are a member of the FLA (Finance and Leasing Association) and subscribe to its lending code.


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Our Address

Evolution Money,
9 Portland Street,
M1 3BE

Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

0161 814 9165

Contact by Email

Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 9 Portland Street, Manchester, M1 3BE. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.

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Evolution Money are a multi Award Winning UK finance company with thousands of happy customers!

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Freephone 0800 144 8188

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