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Holiday Loans for Bad Credit

Secured Loans > Our Loans > Holiday Loan

Secured Holiday Loans for Bad Credit

Short on savings? Whether you want to travel the world, book a family break or join a gathering abroad, a holiday loan from Evolution Money could help you get there.

Our loans for holidays range from £5,000 to £100,000 with repayments spread over 1 to 20 years, so you’ve got plenty of flexibility. As long as you’re aged 18-70, living in the UK and are a homeowner with a mortgage, we can help you get away on your next adventure.

We look at more than just your credit history, so it’s possible to get a holiday loan with bad credit. You can apply online in minutes or call up to get a free, no-obligation quote and start planning your trip.

Don’t just take our word for it – read our reviews to see what people think about us as a lender.

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?

If you need a little extra to get away, our holiday loans are the ideal travel partner.

Give us a quick call on 0161 814 9158 to talk through your needs and get a free, no-obligation quote from our qualified loan advisers. Remember we look at more than just your credit report, so you could get a holiday loan with poor credit.

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
A wedding loan could turn your plans into a reality
Bigger personal items such as cars can be financed using a secured loan
Take your family on that much needed holiday
Even if you have bad credit we could still help you with a loan

What is a holiday loan?

Want to get away but don’t have the budget for it? If your savings can’t stretch to where you want to go, a holiday loan could help.

Holiday loans can pay for all or part of your next trip, whether it’s a family holiday abroad, a honeymoon or time away with friends. They can help cover costs like plane and train tickets, accommodation, spending money and even vaccinations.

We offer holiday finance, and as a homeowner the loan is secured on your property. Just like regular instalment loans, you’ll receive your loan in a lump sum upfront, then repay it in regular instalments with interest added on top.

What are the benefits of secured holiday finance?

Taking out a holiday loan could help you book and enjoy a break without waiting to save up funds.

Offering security for your holiday loan has advantages too:

  • Accessibility: Offering security will mean lenders may consider more than just your credit score when reviewing your application.
  • Higher loan amounts: Secured holiday loans are less risky for lenders because of the collateral you put up, so you may be offered higher loan amounts, it is affordable for you.

What should I consider before getting a loan for a holiday?

It’s wise to think carefully before borrowing money for a holiday. Ask yourself how much money you truly need and whether borrowing is a better option than saving up or choosing a cheaper trip.

You’ll need to be confident you can afford the repayments too. With secured holiday loans, you risk having your home repossessed if you can’t keep up with them. Missing payments will impact your credit score too and might make it harder to borrow money in the future.

Finally, you’ll need a UK address and proof of income to apply for a holiday loan.

Do I qualify for Evolution Money’s holiday loans?

You can apply for one of our holiday loans if:

  • You’re aged between 18 and 69 years old
  • You’re a homeowner
  • You live in the UK
  • You can afford the loan repayments based on your regular income

Do you offer holiday loans for poor credit?

As long as we evidence / prove that you can afford and sustain the repayments, we could offer you a holiday loan for bad credit.

Even if your credit history is imperfect or you’ve been rejected for a loan elsewhere, we’ll aim to work out terms that are manageable within your budget. Our affordable holiday loan options can be tailored to your personal circumstances, so you can spread the cost over a period that suits you.

How do I apply for a holiday loan with Evolution Money?

No physical appointments, no delays – just fill out our short online form or call us on 0161 814 9158 for a free, no-obligation quote.

We’ll ask for the following documents as part of the process:

  • Proof of address (such as utility bills)
  • Proof of income (your last 3 months payslips or tax returns)
  • Proof of identity (passport or driving licence)
  • Bank statements for up to the past three months
  • Your mortgage account number and home insurance documents

What else can secured loans be used for?

Questions you may have...

How much holiday finance can I apply for?

We offer holiday finance from £5,000, subject to affordability, to cover all or part of your next trip.

What repayment terms are available with loans for holidays?

You can choose a repayment term from 1 to 20 years to spread the cost of your holiday in a way that suits your budget. A longer term could be helpful if you’d prefer to make smaller monthly repayments, while shorter terms mean you’ll pay less interest.

Not sure what length of term is right for you? Our qualified loan advisers will be happy to explain your different options and help find something that suits.

How quickly could I get a holiday loan?

We aim to fund all our secured holiday loans as soon as possible.

An easy way to speed the process up is to send any documents we ask for as quickly as possible. Read more about how our loan process works.

What will my holiday finance cost overall?

We don’t charge hidden fees, so you’ll know all your loan costs upfront. These will include:

  • Your loan amount and agreed interest rate
  • A Lending Fee of between £299 and £699
  • A Product Fee of 10% of your loan amount

Our holiday loans have variable interest, which means the interest you pay each month might change. All our loans are unique, so the best way to find out what yours will cost is to apply online .

What if I’ve been rejected for a holiday loan elsewhere?

We won’t deny your next adventure just because you’ve been rejected for a loan by another lender. We look at factors like your income, outgoings and security as well as your credit history, so we can consider holiday loans for poor credit in some cases.

Why choose Evolution Money for a holiday loan?

  • We’ve helped thousands of people borrow money and spread the cost with flexible repayment terms to suit their situation.
  • We look at more than just your credit history, so you could still get a holiday loan with bad credit; subject to affordability checks.
  • We are upfront about all the costs of our loans and we never charge hidden extras.
  • Over a thousand people have rated us positively on the independent review website Feefo.
  • We’re regulated by the Financial Conduct Authority as a responsible lender and are registered members of the Finance and Leasing Association.
  • We’re a direct lender rather than a broker, so you’ll know exactly who you’re dealing with for the duration of your loan.

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 Holiday 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 advisors at Evolution Money.

Apply for my Holiday 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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