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Secured Loans F​rom ​​​Evolution Money Review

​Convenient Secured Homeowner Loans - Pre-Approval Without Credit Checks

Compare ​​​Evolution Money Loans Against Other Leading Lenders

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​​Determine Whether ​​Evolution Money Loan Rates ​Are Worth ​Contemplating. ​Huge Panel Of ​2nd Charge Finance Products​. All Credit Considered.

​Unique "Broker-Only Lenders" Not Available On The Comparison Engines With Great Terms

​​Intelligent Lending Technology & No Upfront Fees.

​Ideal For Clearing Other Loans/Credit Cards/Existing Car Credit

New Lenders For Autumn/Winter 2018

High Loan-To-Value (LTV) With Many Lenders

​​Homeowners Could Borrow From £10k - £600K.

Keep Your Current Mortgage With No Worries

​1st UK Only Use Soft Footprint Credit Search That Won’t Affect Your Credit Rating

Pre-Decision In Principle Application Form:

Sympathetic To Previous Credit Problems: We Have Lenders That Accept ​Nearly All Types Of Credit.
Prime, Light, & Heavy Adverse All Considered.

  • Details of your property

  • About You

  • By clicking Submit and ticking the box above you agree to be contacted by email or telephone by an FCA authorised mortgage firm and confirm that you have read and agreed to our Terms & Conditions and our Privacy Policy

4.8/5 | Our Service Is Rated Excellent By Our Customers |

​​A Video Introduction To ​Evolution's Services

3 Of Our Most ​Requested Sub Prime Products

Adverse Remortgages

Massive Choice.  Flexible Terms. Bad Credit & CCJ's Considered.

Broker Only Secured Loans

Friendly Experts Here To Help. Tailored Loan Advice. No Hidden Costs. 

​Poor Credit Mortgages

Bad Credit Mortgage Brokers. Our Specialist Lenders Can Help.

​How Evolution Money Fair For Poor Credit Secured Loans

​Initially founded in 2011 as the Darwin Group - the company Evolution trade under - they have come a long way since their founding days.

From just two employees in their early days to now moving into their state-of-the-art HQ in Manchester City Centre employing over 170 staff.

Along the way, they have picked up numerous awards.

  • 2014: The Best Specialist Lender by The Financial Reporter Awards
  • 2015: The Best Adverse Credit Secured Loan Product by the Secured Loans Awards
  • 2016: Featured in the Sunday Times Fast Track 100

Today, Evolution Money Limited have full FCA authorisation to provide loans to homeowners throughout the UK.


Get In Touch Today!

​​What Evolution Money Offer

  • Homeowners loans from £1,000 to £20,000
  • Borrow up to a maximum of 150% LTV (loan to value) and with no minimum home valuation required
  • Repayment terms from one year to fifteen years
  • The early redemption fee is just the equivalent of one month’s interest
  • Variable rate loans with interest rates starting at 18%
  • Active Debt Management Plans (DMP) are considered, provided the loan is for debt consolidation by paying off your DMP
  • IVA (Individual Voluntary Agreement) will be considered if it’s discharged

Ways to reach 1st UK


0203 129 3081



329-339 Putney Bridge Road

​​​Eligibility Criteria 

  • Minimum net monthly income of £800
  • Both employed and self-employed are considered
  • Minimum employment history: One year. Self-employed or employed. They are flexible with regards to the proof of incomes required.
  • Most benefits can be used to support your affordability assessment
  • Evolution has no maximum arrears amounts, and there are no restrictions on the number of accounts you have in default to be considered

Borrow for Any Purpose....

  • Debt Consolidation
  • Home Improvement
  • Vehicle Finance
  • For the Ultimate Special Wedding
  • Holiday Finance
  • Even for business purposes

When we say, any purpose loans, it really is. Unlike most lenders who will not approve on a secured loan to be used to fund any type of investing, regardless of your business’s success, Evolution will.

All that’s required is that the principal applicant has a steady and secure monthly net income of £800 and can meet the affordability assessment. As long as you’re not going to pack in your job and use your loan to meet living expenses, you can use the funds released for any purpose.

For any business owner in need of a poor credit secured loan, Evolution Money could be the lender you need to get a new work van, new equipment, hardware or release cash flow to support your business in the short term with flexible repayment terms.

Evolution has their own dedicated Loans Calculator to give you an idea of how much your repayments are likely to be as well as a rough guide on the expected interest rate.

You can find the calculator by following this link. Interest rates are variable and always tailored to the applicant. Use the rates as a guide only.

Typical Example: Loan Amount: £7,000.00, Loan Term: 48 Months, Interest Rate: 19.56% PA (variable), Monthly Repayments: £240.85, Total Amount Repayable: £11,561. 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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​So Why Choose Evolution Money?

​When you’re short of options with multiple lenders turning you away, there’s a high likelihood of acceptance with Evolution. They are a specialist lender and are very well-versed in adverse credit profiles and are incredibly tolerant of the levels of risk they take on.

No matter how severely you feel your credit is impacted, whether by a couple of DMPs, some with defaults, recent CCJs, or IVAs, Evolution will not credit score you, but instead listen to your needs.

All the staff are highly experienced in all aspects of personal finance, secured loans, and know full well that life events happen. No customer is ever a number. You deal directly with the staff, in their UK HQ in Manchester City Centre. They do not outsource customer care to an overseas centre.

What’s more is they don’t ask for much of your time either. The only real eligibility criteria you have to meet is to between the ages of 18 and 70, be in full-time employment, and live in the UK in your own home. Not a rented property, otherwise you couldn’t use it as security.

As long as you’re a homeowner with a full year’s employment history and meet the requirements, you could have your loan approved in days from the staff reviewing your application and forwarding your official binding offer.

Obtain professional advice and a free quotation (based on a soft credit search only) by contacting 1st UK- Adverse Credit Specialists.

Evolution Money is one of the numerous specialist lenders able to approve on poor credit second mortgages. We’ll tell you if there are any better offers on the market, which could save you thousands over the term of your loan.

We welcome you to contact us today.


Open At Weekends!


We'd Love To Help


0203 129 3081



329-339 Putney Bridge Road


Please Contact 1st UK Today!

​Let's work together, contact us today!

Speak With Our Consultants And Arrange A Free Quote. Specialist Secured Loans Solutions For Any Individual Need.

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1st UK have formed strong relationships with finance providers, meaning we are often the first to hear about new products before they reach the market.


  • Call us 0203 129 3081
  • Putney Bridge Road, London