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Purpose & Values

Secured Loans > Why Evolution > Purpose & Values

Our Purpose

Evolution Money was established 11 years ago, when we recognised that there are people who may have a blip on their record but still needed access to funds.

That led us to our purpose…

Creating financial inclusion by providing bespoke lending solutions to UK homeowners.

We want to ensure accessibility to those who may have faced difficulties with their financial situation in the past and are now turned away by mainstream lenders. Financial inclusion is at the heart of what we do, and we are proud to have helped thousands of people with secured loans.

As such we wanted to build an ethical business:

  •  That was trusted by our customers our investors and our staff.
  •  That wouldn’t judge and would listen to customers.
  •  That allowed customers access to funds at attractive rates when compared to the alternatives.
  •  That encouraged and celebrated customer credit rehabilitation.

Throughout our 11 years of business we have committed to, and delivered financial inclusion to our customers through our bespoke lending solutions.

Picture of the office building

Our Values

Values are an important foundation for any business. At Evolution, our staff share common ethics and values that help create an enjoyable working environment and a wonderful experience for our customers. Our values help us achieve our purpose every single day.

Trust underpins everything we do at Evolution Money. It is important to us that we are trusted by our staff, our customers, and our partners.

We believe in building strong, heathy relationships, so having Mutual Respect towards everyone we interact with is vital to how we work.

All our employees have a level of Personal Responsibility when undertaking their roles, delivering to the highest of standards whilst demonstrating honesty and integrity to all our customers and fellow colleagues.

Our Impact

At Evolution Money, we are on a journey to ensure that our impact upon people and planet is a good one.

We are especially proud of:

  • The diversity of our employee population
  • Our certification from Green Small Business
  • Our support for the local community through our partnership with charities We Mind the Gap and Wood Street Mission
  • Our external customer research which confirmed that we are operating in line with our social business purpose of creating financial inclusion

Additionally, we are proud to share our first Progress Report which reflects on our impact upon customers, community, employees, and the environment.

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