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Real stories and real people

Meet Nick

Our Christmas story

Meet Nick.

With three brothers, one older sister, three aunties, two uncles and countless cousins, Nick had quite a large family to say the least. So although Christmas was one of the most entertaining times of the year, it was also one of the most expensive.

In fact, year after year Nick found himself going into his overdraft and depending on high-interest credit cards to cover the cost of presents for everyone, travelling back home and meeting up with old friends over the festive period. The cost factor had developed into an unfortunate Christmas tradition in itself.

And, this year, Nick and his wife had an extra expense to pay for – Nick Jr. The months of October and November past by in a flash, and any spare income that would have gone towards the usual horde of gifts actually went towards baby clothes and toys. With jingle bells fast approaching, the Christmas challenge seemed more daunting than ever before.

For Nick, the whole month of December was looking increasingly tight, so he began to research a few loan options to tide him over until the new year. He decided it would be better to be able to enjoy all aspects of Christmas with his family and friends, and then gradually pay back his borrowings over the following year.

That’s when Nick approached Evolution Money.

As a homeowner, Nick was keen to talk through his options for a secured loan. He’d been refused loans elsewhere and was worried that his past credit history (including a few late credit card payments) would block him from getting a loan application approved.

Speaking to one of our expert loan advisors, we explained that Evolution Money take into account the entire financial situation, not just credit scores. Nick, as with many of our clients, was relieved to hear this and made himself clear that he didn’t need to borrow too much and was looking for a flexible repayment plan.

Together we designed a bespoke £1,000 secured loan with a one-year repayment plan. This would enable Nick to enjoy Christmas with his family.

In need of a little extra cash over the Christmas holidays? Talk to one of our secured loan experts today on 0161 814 9158, or simply fill out an enquiry form here.


Warning: Late payment can cause you serious money problems. For help, go to moneyhelper.org.uk
Representative 28.96% APRC (Variable) - For a typical loan of £20,950 over 85 months with a variable interest rate of 23.00% per annum, your monthly repayments would be £537.44. Including a Product Fee of £2,095.00 (10% of the loan amount) and a Lending Fee of £714.00, the total amount repayable is £45,682.15. Annual Interest Rates ranging from 11.7% to 46.5% (variable). Maximum 50.00% APRC. The loan must be paid back by your 70th birthday. Read more.

Think carefully before securing debts against your home your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured against it. If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
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