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Evolution Money
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Secured 12 month loans

Secured Loans > Our Loans > 12 Month Loan

What Are 12 Month Loans?

When you’re applying for a loan, it’s important to decide how long the repayment period should be.

A 12 month loan is the shortest 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. Our experts are here to listen and take all factors into account with your application. This means you could still receive the money even if you’ve been previously refused elsewhere.

What our happy customers say:

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How much do you want to borrow? £5,000 to £50,000
For how long? 1 to 20 years.
Loan Purpose
What is your loan for? Your answer won't affect our decision but is helpful to know.
Is this a joint application?

Apply For A Secured 12 Month Loan

A 12 month loan through Evolution Money could be the perfect option for those looking to pay back the money they have borrowed as quickly as possible.

We’ve been supporting people with our loans since 2011 and are proud to have won several awards along the way, such as the Feefo Gold Service award for 2018. This is down to our jargon-free approach and focus on exceptional service, both of which set us apart from other lenders.

We take time to get to know your individual circumstances because we believe an application shouldn’t be judged entirely on your previous credit history.

We’d love to hear from you. Get in touch with Evolution Money for a no-obligation quote today.

If you're looking to obtain credit, our secured loans can be used for a range of purposes

Carry out home improvements; a great way to invest back into your property
A wedding loan could turn your dreams into a reality
Bigger personal items such as cars can be financed using a secured loan
Take your family on that much needed holiday
Even if you have bad credit we could still help you with a loan

Questions you may have...

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 with our loans since 2011 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.

Want to know the approximate cost and timescales of your loan? Take a look at our handy loan calculator to see what your repayments might be on a 12 Month Loan through Evolution Money.

Or, give us a quick call on 0161 814 9158 to talk through your loan needs and get a no obligation quote from our qualified loan advisors at Evolution Money.

Apply for my 12 Month Loan

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 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!

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

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