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Poor or Bad Credit Loans

Secured Loans > Our Loans > Bad Credit Loans

Bad Credit Loans?

We know that sometimes getting a loan can be difficult if you’ve had financial difficulties in the past. We also know that there are times in life when you need to borrow money, whether your boiler’s on the blink, your car needs emergency repairs or perhaps your home is in desperate need of updating.

But if you’re credit score isn’t good, borrowing money with bad credit limits your options. Luckily for you, that’s where Evolution Money can help.

When you apply for a bad credit loan with us, you can rest assured that even if you’ve been refused elsewhere, we may be able to help you. With the ability to borrow up to £100,000 with repayments spread over up to 20 years, we could be the answer you’ve been looking for.

Use our handy loan calculator and take advantage of our free no-obligation quote. Once you’re happy with your quote, you can compete our simple online form to get the ball rolling with our online loan for bad credit.

If you want to find out what other people like you think of us, check out some of our reviews.


How much do you want to borrow? £5,000 to £100,000
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?

What are bad credit loans?

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

The term “bad credit” tends to be used when an individual’s credit score 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.

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 suits your situation – perfect if you’re struggling to get finance.

Contact us today for more information about applying for our bad credit loans.

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...

Why might I need a bad credit loan?

If you’ve been refused a loan elsewhere, or you don’t want to take out a loan with a guarantor, getting a secured bad credit score loan might be the best option for you.

Bad credit loans are ideal for those times when you need a cash injection relatively quickly. This could be for home repairs or even to buy a new car.

What is a credit report?

When people borrow money, a record is kept that shows their history. This record is known as a credit report and is expressed as a number, or credit score.

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.

The higher your credit score, the more reliable a borrower you are considered to be.

What makes bad credit?

If you’ve had trouble in the past repaying a loan or credit card bill, this will be reflected in your credit score. The lower the score, the harder you’ll find it to borrow in the future. Similarly, younger people or those from overseas can have no credit history at all.

In the event you need to borrow money but are seen by lenders as a poor or unreliable ‘bet’, special guaranteed loans for bad credit are a viable option for you.

What if I've been refused credit elsewhere?

Here at Evolution Money, we like to say yes! We know that recent circumstances have been hard, and that many traditional direct loan lenders for bad credit like banks and building societies have either severely tightened their lending criteria or stopped lending altogether. This is why we take every case on an individual basis.

We don’t just look at your credit history, but instead take a more holistic approach and choose to focus on your current situation rather than your credit history. Even if you have been refused elsewhere because of a less-than-perfect credit rating, we don’t rely on automated credit checks so may be able to offer you a bad credit loan.

In fact, why not contact us today to find out how we can help you?

How much can I borrow with Evolution Money?

Even if you have bad credit, you can borrow money from £5,000 all the way up to £100,000 with our secured loans. Repaid from between 1 and 20 years, these tailored secure loans ensure you stay in control of your finances.

Why choose Evolution Money?

We don’t believe that bad credit should be an obstacle for getting the loan you need. In fact, our approach to bad credit guaranteed loans means we’ve already helped thousands of people with adverse credit ratings get access to the loans they need – loans they just couldn’t get anywhere else.

And it’s an approach that means we can help you too.

Our guaranteed loans for bad credit have been designed for customers with adverse or poor credit in mind. Providing you with the ability to set the repayment terms.

As UK-based loan experts, we will assess your current situation and assist you every step of the way with your application.

How do I apply for a bad credit loan?

We’ve made it easy to apply for an online loan with bad credit. Simply complete our online form and get your no-obligation quote today. Or use our handy online loan for bad credit calculator.

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

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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