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Evolution Money
Customer Enquiries 0161 814 9158
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Sorry

Unfortunately, we are unable to help you with a loan at this time. Thank you for considering Evolution Money.

We try to help as many people as we can and we are really sorry we aren’t able to progress your application at this time.

You may be able to find further information regarding your application on your credit file at TransUnion.co.uk.

If you think we’ve made a mistake, or want to discuss this further you can speak to us on 0161 814 9978.

Common Reasons why people are declined

Your credit history

Often mistakes in our credit files can stop us getting future credit.

There are many companies that offer free credit history checks. Make sure all the information is correct and no names or addresses are wrong. Check all financial associations are right and any missed payments have been recorded correctly.

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.

Also if you have a lot of unused credit cards and other accounts, closing some could improve your rating.

Your credit score

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

This can be based on credit score. Evolution Money has a proud history of lending to people with lower scores than some lenders, but some scores may still be too low.

There are many companies that offer free credit score checks.

You didn’t meet the lending 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.

Not being registered on electoral roll

Check if you are registered on the electoral role. If you aren’t registered, you can do it online at the www.gov.uk/register-to-vote.

It’s easy to update and improves your credit chances as it 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,
Manchester,
M1 3BE


Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

Complaints:
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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Our friendly loan advisors can let you know if you're eligible for a loan without affecting your credit score. Why not give us a call today!

Freephone 0800 144 8188

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