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Evolution Money
Customer Enquiries 0161 814 9158
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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?£1,000 to £25,000
For how long?1 year to 15 years
Are you a homeowner?
Contact Details
First Name*
Surname*
Email Address*
Mobile Number*
Day Time Number*
Loan Purpose
Finally
You will need to read and agree to our Fair Processing Notice before continuing. *

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.

This won't change any marketing preferences you've already chosen.

How we control and process your data:

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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Marketing Contact preferences - putting you in control:

We would love to tell you from time to time about offers and special deals on loans, insurance products and utility services which may save you money.

If you're happy to be contacted about these, please click the boxes to tell us how you want us to get in touch with you.

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.

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

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Marketing Contact preferences - Our partners:

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

If you're happy to be contacted by them please click the boxes to tell us how our partners can get in touch with you.

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.

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

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Please read the full details of our Fair Processing Notice including Credit Reference Agency Information Notice (CRAIN) Click here to see a copy of the CRAIN.

If you agree to our Fair Processing Notice and want to continue to the next stage - click Agree.

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30.89% APRC Representative Variable Read more

Typical Example: Loan Amount: £7,000.00, Loan Term: 48 Months, Interest Rate: 19.56% PA (variable), Monthly Repayments: £240.85, Total Amount Repayable: £11,561. This example includes an Product fee of £700.00 (10% of the loan amount) and a Lending fee of £499.00. Read about our Rates and Fees.

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 £1,000 and go all the way up to £25,000 for people with poor credit
  • Repay your bad credit loan from between 1 and 15 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 90 out of 100, based on 112 reviews over the past year. 112 user reviews. Read our reviews

Members of the The Finance & Leasing Association

FLA logoThe Finance & Leasing Association is the leading trade body for the motor finance, asset finance and consumer credit industries in the UK.

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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.

© 2018 Evolution Money | Cookies | Complaints Policy | Breaking Down Our Loans | Terms & Conditions | Fair Processing Notice
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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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