Evolution Money

Evolution Money offers secured loans to UK homeowners for purposes such as debt consolidation, home improvement, car or holiday spending, and bad-credit borrowing. Loans range from £5,000 to £105,000 over terms of 3 to 20 years, with variable annual interest rates from 8.6% to 27.87% and a representative APRC of 21.82%.

Customers apply online, including through the company's app. The company states that lending decisions consider the applicant's personal circumstances rather than credit score alone. Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited, and it is authorised and regulated by the Financial Conduct Authority. Loans carry a product fee and a lending fee.

The company is registered in England and Wales and headquartered in Manchester; it was founded in 2009 according to registry records, and states that its lending began in May 2011. It is part of the Evolution Money Group and reports having accepted 58,379 customers and funded over £547m to customers since 2011, figures it dates to March 2025. It is a Certified B Corporation and received the 2026 Feefo Platinum Service Award.

Product: Secured homeowner loans from £5,000 to £105,000, including debt consolidation, home improvement and bad-credit loans.