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How our secured loan process works

Secured Loans > Our Loans > How our loan process works

At Evolution Money we’re committed to being clear and upfront about everything. That’s why we wanted to give you a step-by-step guide to our loan process. Now you’ll know exactly what to expect from us.

1. Before you apply

Why not use our handy Loan Calculator? This will give you an idea of your monthly repayments, depending on the amount and the duration of your loan.

2. How to apply

Either call us and speak directly to one of our account managers, or you can request a callback through our online application form.

3. We talk to you

Your dedicated Personal Account Manager will be happy to talk through your financial situation and needs. Then they’ll give you a quotation that’s based on your current circumstances, not an automated credit score.

4. Complete an application

If you’re happy with your quotation, we’ll send you an application pack with the documents you need to complete your loan.

5. The consideration period

When you receive your Evolution Money application pack, you enter what is known as the consideration period. This begins with a 7-day period to review the documentation and the terms of the loan, with no contact from us.

Your application pack will contain documents that you will need to complete and return to us, the other documents are there just for you to review but, don’t worry, there is a guide in the pack showing exactly what you need to return.

Within the pack you will find an advance copy of your loan agreement, for your reference. During these 7 days we will not contact you, however, if you need to call us in this time period we’re always on hand to help.

6. What happens next

After the initial 7 days we will send you a copy of your signable credit agreement. Once we have sent this to you there is a further 7 day consideration period for you to review the details of the loan. Again, during these 7 days we will not contact you, but you can feel free contact us at any time.

If your circumstances haven’t changed in this total 14 day period, and you still want to go ahead with your loan, simply sign the loan agreement and return it to us. We will begin to process your loan as soon as we receive the returned agreement.

7. Receiving your money

Before your loan is paid out, we will call you to re-confirm the details and to organise your Direct Debit.

We will also make sure you are happy with everything and answer any other questions you may have before confirming when you will receive your Evolution Money loan.

Warning: Late payment can cause you serious money problems. For help, go to moneyhelper.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 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!

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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