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Secured Car Loans

Secured Loans > Our Loans > Car Loan

Secured Car Loans

Whether you’re looking to buy your first set of wheels or you’re in need of a newer model, our secured car loans could be the solution you’ve been looking for. With Evolution Money, you could be behind the wheel in no time.

We offer secured car loans up to £100,000, helping you to afford the car you want.

Use our car secured loan calculator and let Evolution Money car finance help you get back on the open road.

Enquire today and take advantage of our simple application process, flexible lending terms and no-obligation quotes.

When you read our Feefo reviews, you’ll see why we’re a Platinum Trusted Service.


How much do you want to borrow? £5,000 to £100,000
For how long? 3 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?

Secured car loans at a rate you can afford

We know that buying a vehicle can be one of the biggest purchases you can make. So, it makes sense to find the financial help that suits your unique set of circumstances.

Fortunately, Evolution Money offers a helping hand to people across the UK looking for affordable car finance. Our secured car loans range from £5,000 to £100,000. Because we know how important getting from A to B in a safe and secure vehicle is, we also make sure we look at your entire financial situation, not just your credit history. You can rest assured that even if you have bad credit, we can help.

When applying for loans on cars with Evolution Money we look at your income and outgoings, as well as other financial and personal information. We calculate payment terms you can afford, meaning you could benefit from an affordable loan even if you’ve been refused credit in the past.

Input some figures into the Evolution Money car finance calculator form and see what type of vehicle you can afford today.

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...

Do I have to buy a new car?

Not at all. You can be in the market for a brand-new set of wheels or a second-hand reliable car. You can even get a secure car loan for some much-needed repairs or maintenance to your current vehicle.

How old does the car have to be?

There’s no age restriction when it comes to secure car loans from Evolution Money. Unlike many lenders with age stipulations, if you’ve got your heart set on a model from your youth, Evolution car loans can help.

What details about the car do I need to provide?

We don’t require any details about the car. All we care about is helping you secure the finance you need. Of course, if you want to tell us about your car, you can drop us a review on Feefo telling us all about your latest adventures!

What if I haven't found a car yet?

If you haven’t found the car yet, we can work together to get your loan amount in place ready for your purchase. And if you have a change in circumstances in the meantime, we can change the secured car loan terms in no time.

What if I've been refused elsewhere?

Unlike other loan providers, we look at your whole financial situation and not just your credit history. The means that you may still be able to obtain a secured personal loan to cover the cost of your dream car even if you’ve been refused credit elsewhere.

How much can I borrow?

You can borrow up to £100,000 with Evolution Money’s car finance. But remember to factor in the true cost of owning a car to discover how much you can afford.

How long is the repayment term?

We’ve made our loan repayments as flexible as possible. You can pay back your loan in as little as 12 months right up to 20 years.

Are there any fees?

Because we want you to be able to afford the vehicle you need, we’re completely transparent about the fees involved in our secure car loans.

There is a Lending Fee and a Product Fee which are added to the total amount repayable by you over the duration of the pre-agreed loan term.

For example, on a £6,000 loan, there would be a Product Fee of £600.00 and a Lending Fee of £714.00.

We’ve broken down all our fees in this easy to follow table so you can see exactly what you’ll have to repay when you take out one of our secured car loans.

What is a secured loan?

Secured loans are secured against your home and are sometimes called homeowner loans as the property is used as security for the lenders.

Why choose a secured loan?

Secured loans are ideal if you don’t have a perfect credit score. Secured loans typically allow you to borrow more money, spread over a number of years.

Our secured loans allow you to borrow up to £100,000 and can be repaid over a 20-year period.

How long will it take to receive my secured loan?

Our customers usually receive their secured car loan within a few days of applying, with the maximum wait of three weeks – though we will always aim to get your loan to you sooner.

Why choose Evolution Money for my secured car loan?

Here at Evolution Money, we specialise in providing secure car loans that are tailored to your needs. This bespoke approach allows you to stay in control. Meaning you can borrow an affordable amount and pay it back over the length of time you want.

As an award-winning secured loan provider you can trust in us. In fact, don’t just take our word for it, you can find out what our customers think.

How to apply for a secured car loan?

Applying for a secured car loan is simple. Click on ‘Apply for my Car Loan’ below. Complete the form and talk to an advisor straight away and get your no-obligation quote today!

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 secure car 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 Car 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

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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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