We are currently experiencing technical difficulties with our telephone system.
We apologise for any inconvenience and are working to resolve this as soon as possible.
This website uses cookies. By continuing to browse the site you are agreeing to our use of cookies. Continue


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

You can continue your application with Creditec.

Another loan provider could help.

We work with Creditec. They may be able to find you an alternative loan.

  • Get an online offer that you can complete in minutes.
  • Your offers don't impact your credit score.
  • Unsecured and homeowner loans.
  • Extensive panel of lenders.
  • Fully online application.

Four things to keep in mind

  • Creditec may need further details about your employment, income and/or bank.
  • T&Cs are Creditec own and will be different to Evolution Money.
  • Your confirmed quote will depend on the rest of your application.
  • Evolution Money, as a credit broker, will receive commission from Creditec if you take out the loan.

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.


Feeling social? Check out our social pages!

Tweet us on Twitter
Like us on Facebook
Add us on Google+

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.

© 2022 Evolution Money | Cookies | Complaints Policy | Breaking Down Our Loans | Terms & Conditions | Fair Processing Notice | Sitemap
Start Here
Please wait

Please wait

Don't leave just yet!

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

Award Winning

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

Back to Evolution