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Evolution Money

No reviews for Evolution Money

30% Representative

Will lend between: £1,000 - £25,000

Over: 12 - 180 Months

Representative example: Loan Amount: £7,000.00, Loan Term: 84 Months, Interest Rate: 22.42% PA (variable), Monthly Repayments: £184.05, Total Amount Repayable: £15,460. This example includes an Product fee of £700.00 (10% of the loan amount) and a Lending fee of £499.00.

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Are you eligible for Evolution Money?

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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Our review of Evolution Money

Evolution Money pride themselves on providing multi-purpose loans. Whether it’s for debt consolidation, a wedding, or for home improvements, Evolution Money claim to treat each application individually, on a case-by-case basis. This could be beneficial to some customers as poor credit applications will still be considered.


If you’re considering taking out a secured loan, it pays to think carefully. Only apply if you’re absolutely certain you can meet your repayments. If there’s any doubt that you can afford to repay the loan, do not apply as your home will be at risk and may be repossessed.


Evolution Money are upfront and transparent with their fees, so you should feel assured that you know exactly what you’re committing to before you apply. However with such high fees you may be able to find a cheaper alternative.


Evolution Money have received an impressive average score of 4.8/5 on Feefo from 74 customer reviews. Many reviewers mention their helpful staff who showed good communication throughout the whole application process.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • Poor credit considered
  • Multi-purpose loans
  • Fixed monthly payments

Minimum criteria

  • Early repayment fee applies
  • You risk losing your home if you don't make repayment deadlines
  • Product fee applies


  • Maximum APR 65.02%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £22

Evolution Money Customer Question & Answers

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About Evolution Money

Evolution Money is a credit broker for it’s parent company Evolution lending that offers secured loans ranging from £1,000 all the way up to £25,000, repaid over 12 - 180 months (15 years). You need to be an employed homeowner to qualify for a loan from Evolution Money, and will assess each application individually based on your personal circumstances. Their loans can be used for various purposes such as a wedding, holiday or debt consolidation. However, it must be remembered that if you can’t repay your loan, you’re at risk of losing your home.

Evolution Money’s representative APRC is 30.00% variable. This includes a number of fees you should be aware of. You’ll be charged a product fee of 10% of the loan applied for when going through a broker, and a lending fee ranging from £299.00 to £699.00 (depending on the value of the loan) will be charged for the assessing and processing of your application.

The application process consists of a short online form, and once submitted you’ll speak to one of their advisers, where they’ll give you an instant quote. There's no obligation to apply once you’ve spoken to them but you will be credit checked. Therefore be sure to match their application criteria before you apply.

Company information

Registration number: 08120061



9 Portland St Manchester M1 3BE

FCA registration

Reference No: 690699

Trading names: Evolution Money

Place of business: 9 Portland St Manchester M1 3BE

Data protection registration

Registration No: Z341982

Data controller: FCA

Address: 9 Portland St Manchester M1 3BE

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