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We can help put together a 5 year repayment plan that works for you.

5 year loan

Home > Our Loans > 5 Year Loan

Life is full of surprises and emergencies, many of which are hard to predict and can end up costing quite a bit of money.

If you’re unable to lend the cash you need from friends or family, you might consider applying for a 5 year secured loan through Evolution Money. That money could go a long way to easing the stress that comes with paying off bills, debt payments and other expenses, or even towards some much-needed home improvements.

We’re here to walk you through all your options and decide on the loan terms that best suit your personal situation. Our team of loan experts take pride in providing absolute clarity and transparency over costs by offering plain and simple terms up front. We can answer any questions you might have and help put together a 5 year repayment plan that works for you.

Why choose a 5 year loan?

This length of loan is great for people that need to cover the cost of something now, or in the near future, but also want to spread their repayments over a longer period of time.

Many of our customers who take out 5 year loans have decided to invest in home improvements to increase the value of their property, or make important renovations. It might be a new kitchen, garden or boiler; either way, with Evolution Money you can get the money you need sooner rather than later and pay it back at a rate that suits you.

While the total amount repayable is higher with a 5 year loan compared to a 12 month loan, the cost of each instalment actually works out cheaper. That means there’s less money coming out of your account each month, leaving you with a bigger portion of your pay packet.

A 5 year loan may also be an option if you are looking to consolidate any existing debts. By consolidating debts into a single monthly payment, you can reduce your overall monthly repayment while giving yourself a longer term to pay the total back over. This could make the task of managing your that outgoings easier, particularly if you owe money to multiple lenders.  Before taking out a loan to consolidate your debts you need to consider that the total repayable may be more and the term could be extended.  Also by converting your unsecured debt in to a consolidated secured loan, you are securing that debt against your property. So, it’s important to note if you don’t keep up with your repayments, your home may be at risk.

Do I need a good credit score to apply for a 5 year loan?

Even if you don’t have a perfect credit score, our expert loan advisors may still be able to help you get the money you need.

We base our lending decisions on your current financial situation rather than solely your credit history. Many people who have been refused credit elsewhere are still able to access the money they need through Evolution Money.


Looking to get an idea for the approximate cost of a 5 year 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 5 year 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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Fair Processing Notice

Who we are:

Evolution Money Ltd, Progressive Money Ltd and Evolution Lending Ltd are all wholly owned subsidiaries of Darwin Loan Solutions ('the Group').

We take your privacy seriously and will only use your personal information to

A) Discuss loan offers and provide you with the products and services you have requested.
B) If you take out a loan with us and become our customer, it will also be used to manage your loan.

We'll keep your details for up to 12 months to enable us to help you with your loan application. If you don't take out a loan with us, we will delete your enquiry details unless regulations say we must keep them for longer.

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Our companies hold and process your personal data in accordance with Data Protection law in the UK. We are committed to maintaining the privacy and protection of all personal data collected in connection with our broker and loan services. We may share your information with credit reference agencies and other companies for use in credit decisions, for fraud prevention and for debt collection purposes.


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You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

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We would love to tell you from time to time about special offers and deals from our carefully selected partners.

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Your choices do not affect your enquiry/loan application in any way.


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

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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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