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Instalment Loans for Bad Credit

Secured Loans > Our Loans > Instalment Loan

Instalment Loans

Evolution Money offers instalment loans of up to £100,000. And we’ll ensure your payment terms suit your circumstances.

Our application process is simple, our lending terms are flexible, and we offer no-obligation quotes. So, what’s stopping you finding out if you’re eligible?

Find out how much you can borrow with our instalment loan calculator today

What our happy customers say:

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?

Loan terms to suit your situation

No one can plan for the unexpected. When a problem happens like roof repairs, a broken boiler or a car breaks down, it can come at a considerable cost. There might also be a big ticket item on the horizon – like a wedding or a new car. That’s why taking out an instalment loan could be an option. With an instalment loan from Evolution Money, you can borrow the amount you need, with payment terms that suit your personal and financial circumstances.

That’s because our decision isn’t based solely on your credit history. So, if you have a less-than-perfect credit history, it needn’t be a barrier to getting the instalment loan you want.

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

Questions you may have...

What is the benefit of an instalment loan?

Our team of instalment loan specialists have supported thousands of people in making a decision that’s right for their own personal situation. Many borrowers choose to opt for a secured instalment loan for a number of reasons:

Clear monthly budget. With an instalment loan, borrowers can establish an estimated cost as part of their monthly outgoings. This allows people to better manage their budget and stick to a clear financial plan.

Flexibility. If you opt for this type of loan, you’ll never be expected to pay above the agreed instalments. With flexible repayment periods, you can decide on a term that is most affordable for you.

Larger value loans. Instalment loans often give applicants the chance to borrow a higher value loan.

More time to repay. Loans of a larger value, we will always look for the most affordable payment term that is suitable for you. Evolution Money offers a maximum loan duration of 20 years, which allows the borrower to split the cost of their loan into 240 monthly repayments.

Fewer usage restrictions. A secured instalment loan can be used for almost any purpose. We regularly work with people to help fund major home improvements, existing business investments, car purchases, or even their wedding day and honeymoon.

Is an instalment loan the only option?

If you’re thinking of applying for an instalment loan, it is always a good idea to weigh up all available options beforehand, like credit cards and unsecured loans these may be avenues worth exploring and better suited to your individual situation; however, the majority of other lenders focus solely on a person’s credit score when evaluating a finance application.

Evolution Money are different in that we always take into account a person’s current financial situation, not just their previous credit history. This means that a poor score won’t necessarily hold you back from the loan you need.

If a person does decide on an instalment-based loan, they must always remain aware of their responsibility to make every agreed repayment on time. Evolution Money provides variable rate loans, which means the precise payments may increase or decrease over time. Failure to repay instalments on time may result in additional charges and could negatively impact their credit rating.

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 an Instalment 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 Instalment 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!

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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