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A 12 month secured loan can be used for almost any purpose

12 month loan

Home > Our Loans > 12 Month Loan

When you’re applying for a secured loan, one of the most important things to decide is how long the repayment period should be.

A 12 month loan through Evolution Money is perfect for those looking to pay back the money they have borrowed. This is the shortest possible repayment period we offer, which means it also has the lowest total amount repayable compared to longer-term loans.

Unlike many loan providers, we believe that a poor credit rating shouldn’t be an automatic barrier for people before they can explain their individual situation. Our loan experts are here to listen and take all factors into account when we receive an application. That means you may still be able to get the money you need even if your credit score isn’t in the best shape as a result of past financial difficulties.

What can a 12 month loan be used for?

A 12 month secured loan can be used for almost any purpose. We’ve helped thousands of customers get the money they need to pay off their bills, buy a new car or install a new boiler. Here are a few more popular reasons:

Paying off existing debts. ​If you find yourself owing money to multiple different lenders, you may be able to consolidate those existing debts into a single monthly payment. This can help people to regain control over their budget and make it far easier to keep track of all monthly outgoings.

Planning a dream wedding. ​Getting access to extra money to fund your ideal wedding can be difficult, particularly for those with a poor credit history. If you’d like to ease any concerns about the immediate cost of the ceremony, reception or honeymoon, a 12 month secured loan could be the answer.

Making home improvements. ​Whether it’s a new boiler or a  new bathroom, many people choose to improve and add value to their house whenever they can. A 12 month home improvement loan can get you the cash needed to invest in property renovations.

Why choose Evolution Money?

We’ve been supporting people in financial need for over seven years now and are proud to have won several awards along the way. This is down to our jargon-free approach and focus on exceptional service, both of which set us apart from other lenders.

We’re here to listen to your personal situation before offering clear and honest advice on the loan options available to you. Our loan experts take time to get to know your individual circumstances because we believe an application shouldn’t be judged entirely on your previous credit history.


Looking to get an idea for the approximate cost of a 12 month loan? Take a look at our handy loan calculator to see what your repayments might be on a secured agreement through Evolution Money. Or, give us a quick call on 0161 814 9158 to talk through your credit needs and get a no obligation quote from an Evolution Money personal account manager today

Apply for a secured 12 month loan
Warning: Late payment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

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 90 out of 100, based on 112 reviews over the past year. 112 user reviews. Read our reviews

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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 8 St John Street, Manchester, M3 4DU. 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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