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Bad Credit Loans

Secured Loans > Our Loans > Bad Credit Loans

What are Bad Credit Loans?

A bad credit loan, as its name suggests, is a loan specifically designed for people with a poor credit history.

The term “bad credit” tends to be used when an individual’s credit is less than perfect

Our approach is to look at customers as individuals and not just figures on a computer screen.

We listen to personal situations when it comes to providing secured loans for people with bad credit.

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?

Secured Loans for Bad Credit

Been refused finance due to bad credit?

You’re not alone. Trying to get a loan can be a frustrating experience – especially if you have bad credit.

But at Evolution Money, we like to say “yes.”

That’s because we consider more than your credit history. Instead, we focus on you – and your unique circumstances. We assess you on a range of criteria to supply a secured loan that best suit your situation – perfect if you’re struggling to get finance.

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

A debt consolidation loan could help regain control of your finances
Carry out home improvements; a great way to invest back into your property
A wedding day loan to make a special day memorable
Bigger personal items such as cars can be financed using a secured loan
Take your family on that much needed holiday

Questions you may have...

What are the benefits of a bad credit loan?

Here at Evolution Money, we pride ourselves on our customer focus and putting your best interests first.
We treat each and every case with respect and attention, making sure that we look at your complete financial situation before coming to a decision. Even if you have been refused elsewhere because of a less-than-perfect credit rating, we don’t rely on automated credit checks we may be able to offer a bad credit loan with us.

Bad credit shouldn’t be an obstacle to getting the loan you need. Our approach that has already helped thousands of people with an adverse credit rating get access to the loans they need, loans that they just couldn’t get anywhere else. And it’s an approach that could help you too.

  • Designed with customers with adverse or poor credit in mind
  • Borrow from as little as £5,000 and go all the way up to £50,000 for people with poor credit
  • Repay your bad credit loan from between 1 and 20 years
  • UK based loan experts will assess your situation, and assist you every step of the way of your application

What is a credit report?

  • A credit report details an individual’s credit history and is quantified by using a numerical value.


  • In order to know if you are trustworthy, banks will want to see evidence that you will make all repayments on time, without a credit history this information isn’t available to them. Maybe you have missed the occasional payment on your credit card or store card or incurred a CCJ.

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 bad credit 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 advisor at Evolution Money today.

Apply for my bad credit 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,
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 9 Portland Street, Manchester, M1 3BE. 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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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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