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£30,000 secured loans

Secured Loans > Our Loans > £30,000 loans

If you’re looking to kick-start some important home renovations or consolidate any outstanding debts, a secured loan of £30,000 from Evolution Money could help you do just that. That’s because our loans are fit for almost any purpose and can help you achieve those long-term financial goals.

We’ll consider you for a £30k loan even if you have a poor credit score linked to CCJs, defaults or late payments, as well as if you’ve had an IVA (Individual Voluntary Arrangement) in the past or are currently on a Debt Management Plan. Our mortgage advisors will discuss your personal and financial circumstances and work with you to find a suitable, affordable loan.

For a free, no-obligation quote for your loan of £30k, simply fill out our online form or contact us today. Email info@evolutionmoney.co.uk or call 0161 814 9158.

You can find out more about what other loans we offer, as well as checking out the hundreds of positive reviews left by our customers.

How much do you want to borrow? £5,000 to £100,000
For how long? 3 to 20 years.
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Apply for a secured £30,000 loan

We’ve helped thousands of customers find suitable loans since 2011, offering everything from £5k loans to £100k loans. The length of your application will depend on your circumstances and we’ll let you know if we need to value your property or contact your mortgage company.

For more information on our £30k loans, speak to our team at Evolution Money today for a no-obligation quote.

What is a secured loan?

Secured loans, also known as ‘second-charge loans’, are available to individuals who own their home and currently hold a mortgage. This loan is taken out and secured against your home, offering security to the lender. If you are unable to make the payments in line with the conditions of your loan, the lender could repossess your property.

We will agree the repayment terms with you prior to taking out your secured loan of £30,000 which will include the monthly repayments, interest rates and term. At Evolution Money, we offer variable interest rates on all our loan products.

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.
  • Bigger personal items such as cars can be financed using a secured loan.
  • Even if you have bad credit, we could still help you with a loan.

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

A wedding loan could turn your dreams into a reality
Bigger personal items such as cars can be financed using a secured loan
Even if you have bad credit we could still help you with a loan

 Why choose Evolution Money for £30k loans?

If you’re a homeowner, our loans for £30k may be a suitable option for you. We’ll work with you to find the right secured loan for your financial circumstances alongside affordable payment terms.

Our approach is different to other lenders, as we don’t focus solely on your credit history but instead take into account your full story. We’ve helped thousands of people find a loan that works for them, so here’s a few reasons why you should choose us:

Apply for a secured loan for £30,000 today

Before beginning your application, you’re welcome to ask us any questions regarding our loans for £30k. Or, simply get in touch to receive a no-obligation quote from one of our qualified mortgage advisors. Just call us on 0161 814 9158.

Apply for my £30,000 loan

Questions you may have about our secured loans for £30k

Still searching for more information? We’ve compiled a list of our most frequently asked questions regarding our £30,000 loans.

Still searching for more information? We’ve compiled a list of our most frequently asked questions regarding our £30,000 loans.

Am I eligible for a £30,000 loan?

To qualify for one of our loans at £30,000, you’ll need to meet our eligibility criteria, which include:

  • Being a homeowner
  • Being aged between 21-70* years
  • Living in the UK
  • Being able to afford the repayments from your income

*Loan must be paid back by 70th birthday.

What can a £30,000 loan be used for?

Our £30,000 loans can be used for a variety of purposes depending on your requirements. The majority of people tend to use their secured loans for the following:

  • Home improvements: Investing in your home is a great way to use your loan. Home improvements and renovations can help boost the value of your home if and when you come to sell it. A £30k loan could be used for a new kitchen, extension, loft conversion or simply overdue maintenance.
  • New vehicle: Perhaps you’re in need of an upgraded motor or have got plans to expand the family. Our loans for £30,000 can certainly help you afford your new vehicle, empowering you to get from A to B that little bit more comfortably.
  • Debt consolidation: Taking out a loan to consolidate your debts means you only need to pay off your existing credit with one company. You’ll likely reduce your regular payment amounts, however please be aware that you maybe extending the term of the debt and increasing the total amount you may repay.

How long is the repayment period on loans for £30,000?

We have a range of repayment options here at Evolution Money. The amount of interest on the loan that you’ll pay back depends on the duration of your repayment period. Shorter periods typically offer a smaller total repayable amount.

Our repayment periods vary between 36 and 240 months. We’ll help you find a repayment term that suits your personal and financial circumstances.

How long will it take to receive my £30,000 loan?

The application process typically takes around 2 weeks, however this can vary depending on circumstances and individual applications.

Can I get a secured £30k loan if I have bad credit?

We understand that your credit score isn’t always a reflection of your current financial situation. That’s why we deal with all of our applications on a case-by-case basis. When completing your application, you’ll need to provide us with a detailed account of your situation so that we can match you with the most suitable loan.

You can also take a look at our poor- or bad-credit loans if you think these would be a better fit for your circumstances.

Can I afford a £30,000 loan?

As a responsible financial service provider, we want to ensure that each and every customer who is applying for one of our loans can comfortably afford their repayments.

We require a detailed Income and Expenditure Assessment to be discussed with every loan application we receive. This ensures that we have the necessary information on how much money is coming in and out of your account every month. Our professionally trained underwriters will go through this information with you.

This assessment will need to be completed to assist with your loan application. We need complete transparency and accuracy from you to ensure we can advise you of the best possible loan for you.

How do I apply for a secured loan of £30,000 with Evolution Money?

Simply fill out our online form or get in touch with our friendly team of experts to apply for a loan for £30k. You can contact us by emailing info@evolutionmoney.co.uk or calling 0161 814 9158.

You can learn more information on how to apply for a £30k loan with us online. We also recommend that you read our application details beforehand so that you’re fully informed of the process before making your decision.

What documents do I need to provide in my application?

Our affordability assessment requires you to provide the following information and documents:

  • Three payslips if paid monthly, four payslips if paid weekly or fortnightly.
  • Bank statements.
  • If self-employed, we’ll need an SA302 form or Certified Accountants Certificate.

We will also need the following details as part of your Income and Expenditure Assessment, helping us to document the money that’s coming in and out of your account every month:

  • Contractual payments like mortgages, loans and services.
  • Regular payments for food, clothes, travel, leisure and more.

Do you have any other loans available?

We offer loans that range between £5,000 and £100,000, so you can easily choose a secured loan to fit your requirements and achieve those long-term financial goals.

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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