Secured Loans

  • Secured Loans from £5,000 to £100,000

  • Repayment terms from 3 to 20 years

  • Rated 'excellent' by customers on feefo

  • Regulated by the Financial Conduct Authority

Secured loans tailored to you

Our secured loans can be used for many different purposes: to pay for a house renovation, consolidate debts, finance a new vehicle, or manage the cost of one-off expenses.

We offer a simple application process, flexible lending terms of 3 to 20 years and no-obligation quotes when you choose us as your secured loan provider.

Start the process today by checking your eligibility online. It only takes a few minutes and won’t affect your credit score.

  • Image Check your eligibility in minutes

    Check your eligibility in minutes

  • Image All credit profiles considered

    All credit profiles considered

  • Image Advice from a qualified adviser

    Advice from a qualified adviser

FAQs about Secured Loans

What is a secured loan?

A secured loan is when you borrow from a lender and put an asset up as collateral – usually a home. The lender can then take possession of this asset if you fail to make your repayments.

Secured personal loans are usually large and ours range from £5,000 to £100,000. Lenders of secured loans are more likely to give out larger borrowing amounts because they have a lower risk and can recover any money that’s not repaid.

Ensure you’re confident you can make the repayments before you take out a loan because you could potentially lose your home if you don’t.

You can check your eligibility online in minutes without affecting your credit score.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Check your eligibility online

What are the advantages of a secured loan?

If you need money but have been refused in the past, here’s why a secured loan might be an option for you:

  • You can borrow larger amounts than most unsecured loans
  • Repayment times can be longer than on unsecured loans
  • Making repayments on time could help improve your credit score
  • You may still be able to get a secured loan with a bad credit rating

What are the disadvantages of a secured loan?

There are factors you should be aware of before taking out a secured loan. These include:

  • Borrowing too much can lead to financial struggles
  • Longer repayment terms may mean you may pay more in interest overall
  • Failure to repay a loan could impact your credit score
  • Your assets could be repossessed if you do not keep up with repayments

What can secured loans be used for?

  • Carry out home improvements using your secured loan to invest back into your property
  • Consolidate debts into one manageable monthly payment
  • Bigger personal items such as cars can be financed using a secured loan
  • Manage one-off expenses with additional financial flexibility
  • Even if you have bad credit, we could still help you with a secured personal loan

Why choose Evolution Money for a secured loan in the UK?

If you own a home, a secured loan from Evolution Money may be a suitable option. We can help you find payment terms that suit your circumstances.

That’s because our approach is different to other lenders. Rather than focus solely on your credit history, we look at your full story. We know everyone’s situation is unique – including yours, regardless of whether you’ve had credit problems in the past or not.

Here are some reasons you might choose a secured loan with us:

  • We’ve approved more than 31,000 secured loan applications and provided flexible repayment terms that work for each individual. Take a look at our secured lending case studies to see how we could help you too.
  • We’re open and honest secured loan lenders and provide a breakdown of your costs at the start, so you know what to expect.
  • Customers have left thousands of positive reviews for us on Feefo. We’re rated Exceptional and hold the Feefo Platinum Trusted Service Award, which recognises businesses delivering consistently excellent customer experiences.
  • We’ve also been voted Best Secured Loan Provider at the Consumer Credit Awards, which are decided by customers themselves.
  • As a B Corp certified lender, we balance profit with purpose and meet high standards of transparency, accountability and responsibility.
  • We’re fully regulated by the Financial Conduct Authority and are a member of the Finance and Leasing Association, which means we follow their Lending Code.
  • You’ll never be assessed solely on your credit score when you apply with us. We look at your full circumstances and support you throughout your secured loan application.

Check your eligibility online

How do secured loans differ from unsecured loans?

Secured loans work differently to unsecured loans. A secured loan is ‘secured’ against an asset, while an unsecured loan isn’t. This means that a less-than-perfect credit history needn’t always be a barrier to getting the money you need.

What do I need to do to apply for a secured loan?

We’re committed to being clear and upfront about everything involved in getting a secured loan through us. That’s why we created a clear step-by-step guide to our loan process.

Are secured loans hard to get?

Because a secured loan is tied to your property, lenders may be more open to higher amounts or longer terms than with unsecured borrowing. However, you must keep up with repayments or your home could be at risk.

Am I eligible to apply for a secured loan?

To qualify for a secured loan with Evolution Money, you need to:

  • Own a property
  • Be aged 21-70
  • Be a UK resident
  • Be able to afford the repayments now and for the term of the loan
  • Be able to repay the loan by your 70th birthday

How much can I borrow?

Evolution Money can provide secured loans from £5,000 to £100,000.

How long is the repayment term?

The amount borrowed can be tailored to what is affordable for you and your circumstances. Evolution Money offers secured loan repayment terms ranging from 3 to 20 years. Because the loan can be repaid over a longer period, monthly repayment amounts may be lower, but you may pay more interest overall.

Can I use a secured loan to build my credit score?

Yes, if you make your repayments on time. Making consistent repayments could help improve your credit score, while missed payments could harm it.

Apply for a secured loan today

In just a few minutes you’ll know if you could be eligible for a secured loan with us. It won’t affect your credit score and you’ll get a clear view of your options before speaking with an adviser.

Check your eligibility online

See what others think

We’ve helped people across the UK manage their borrowing. Read their experiences.

See if a Secured Loan works for you

Submit your details with Evolution Money in minutes and find out if a Secured Loan is right for you.

Representative 28.96% APRC (Variable) - For a typical loan of £20,950 over 85 months with a variable interest rate of 23.00% per annum, your monthly repayments would be £537.44. Including a Product Fee of £2,095.00 (10% of the loan amount) and a Lending Fee of £714.00, the total amount repayable is £45,682.15. Annual Interest Rates ranging from 11.7% to 46.5% (variable). Maximum 50.00% APRC. The loan must be paid back by your 70th birthday. Read more.

Think carefully before securing debts against your home your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured against it. If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
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