{"id":248087,"date":"2019-09-30T12:35:32","date_gmt":"2019-09-30T11:35:32","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=248087"},"modified":"2025-07-15T10:38:09","modified_gmt":"2025-07-15T09:38:09","slug":"evolution-money","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/evolution-money","title":{"rendered":"Evolution Money secured loans"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><strong>Overall representative example<\/strong><br>If you borrow \u00a343,000 over 16 years at a rate of 10.25% variable, you will pay 192 instalments of \u00a3505.18 per month and a total amount payable of \u00a396,994.56. This includes the net loan, interest of \u00a349,404.56, a broker fee of \u00a33,995 and a lender fee of \u00a3595. The overall cost for comparison is 12.7% APRC variable.<\/div><\/article><style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n.uk-hero-rates .text-xxx-large { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n<\/style>\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\" aria-label=\"Learn more about what Promoted means on Finder\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\">\r\n<use xlink:href=\"#info-circle\"><\/use>\r\n<\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/secured-loan-finder-powered-by-loans-warehouse-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%225e794d89-1ae4-4cce-902a-50f6f8138ce9%22%2C%22product_name%22%3A%22Secured%2BLoan%2BFinder%2Bpowered%2Bby%2BLoans%2BWarehouse%22%2C%22offer_id%22%3A%2224814%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22post_id%22%3A%22248087%22%2C%22post_path%22%3A%22personal-loans%252Fevolution-money%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/64391a77af4a1.png\" alt=\"Secured Loan Finder powered by Loans Warehouse\" class=\"has-margin-bottom-xsmall has-padding-small no-padding-top has-margin-top-small\" style=\"width: 168px; min-width: 120px; max-height: 140px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/64391a77af4a1.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/64391a77af4a1.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/64391a77af4a1.png?fit=504 504w\" sizes=\"(max-width: 504px) 100vw, 504px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<div class=\"has-margin-bottom-xsmall text-xxx-large weight-normal\">Want to see which lenders can offer you a secured loan?<\/div>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n\r\n\r\n\r\n<li>Loans from \u00a31,000 to \u00a32,500,000<\/li>\r\n\r\n<li>See your quote before you apply<\/li>\r\n\r\n<li>Quote won\u2019t affect your credit score<\/li>\r\n\r\n\r\n\r\n<\/ul>\r\n\r\n\r\n<\/div>\r\n<div class=\"applylinks u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/secured-loan-finder-powered-by-loans-warehouse-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%225e794d89-1ae4-4cce-902a-50f6f8138ce9%22%2C%22product_name%22%3A%22Secured%2BLoan%2BFinder%2Bpowered%2Bby%2BLoans%2BWarehouse%22%2C%22offer_id%22%3A%2224814%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22post_id%22%3A%22248087%22%2C%22post_path%22%3A%22personal-loans%252Fevolution-money%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button\">Check eligibility<\/a>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article><p>Evolution Money offers secured loans, also known as \u201chomeowner loans\u201d or \u201csecond-charge mortgages\u201d, to UK homeowners. Just like your first-charge mortgage, its loans use your home as security.<\/p><p>Unlocking the equity in your home can help you to access better rates or simply provide lenders with the extra reassurance they need to say \u201cyes\u201d to your application. But because the loans available will be secured against your home, it\u2019s crucial to think carefully before proceeding.<\/p><p>While many secured loan lenders automate their decisions on your credit score and the amount of equity in your home, Evolution Money says it will consider more than just your credit history and will take into account your unique circumstances. In fact, it specialises in offering secured loans to customers who have experienced financial difficulties in the past.<\/p><h3 id=\"learn\">Evolution Money loans at a glance<\/h3><ul><li>Borrow \u00a35,000 to \u00a3105,000 over 3 to 20 years.<\/li><li>Poor credit scores and negative equity considered.<\/li><li>A \u201clending fee\u201d and a \u201cproduct fee\u201d will apply.<\/li><li>Your home will be used as security on your loan. Missing repayments will put your property at risk.<\/li><li>You\u2019ll have the option to overpay and make a lump sum payment (which will reduce the interest you\u2019ll pay).<\/li><\/ul><h3>Am I eligible for an Evolution Money secured loan?<\/h3><p>You should only apply for an Evolution Money secured loan if you\u2019re certain you can meet the repayment terms. You must also meet the following criteria:<\/p><ul class=\"list-1\"><li>Be aged 18\u201370.<\/li><li>Be a homeowner or mortgage holder.<\/li><li>Live in the UK.<\/li><li>Be able to afford the repayments comfortably from your normal income.<\/li><\/ul><h3>How do I apply?<\/h3><ol><li>Use the loan calculator on the homepage to give you an idea of your monthly repayments, depending on the amount and duration of the loan you want.<\/li><li>You can either call the Evolution Money phone line to talk to an adviser or request a callback using the form on the website.<\/li><li>A dedicated personal account manager will talk through your financial situation and needs. They\u2019ll then give you a quote that\u2019s based on your personal circumstances, not just your credit score.<\/li><li>If you\u2019re happy with your quote, Evolution Money will send you an application pack with the documents you need to complete your application.<\/li><li>You\u2019ll then have a seven-day \u201cconsideration period\u201d to review the terms of the loan, without being contacted by Evolution (you can obviously contact Evolution, if you wish to).<\/li><li>You\u2019ll then be sent a credit agreement to sign and return.<\/li><li>Evolution Money will call to confirm all the details, then your loan will be processed and the money paid into your bank account.<\/li><li>You\u2019ll then make monthly repayments by direct debit.<\/li><\/ol><h3> Overview of Evolution Money secured loans <\/h3>\n\n\n<table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Loan amounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">From \u00a35,000 to \u00a3105,000\n<\/td>\n<\/tr>\n<tr>\n<th>Age<\/th>\n<td class=\"i_infobox_data product_infobox_data\">From 18 to 70 years\n<\/td>\n<\/tr>\n<tr>\n<th>Term<\/th>\n<td class=\"i_infobox_data product_infobox_data\">From 3 to 20 years\n<\/td>\n<\/tr>\n<tr>\n<th>Maximum LTV<\/th>\n<td class=\"i_infobox_data product_infobox_data\">Up to 110%\n<\/td>\n<\/tr>\n<tr>\n<th>Representative APRC<\/th>\n<td class=\"i_infobox_data product_infobox_data\">Up to 43.4%\n<\/td>\n<\/tr>\n<tr>\n<th>Lender fee<\/th>\n<td class=\"i_infobox_data product_infobox_data\">from \u00a3763\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What information do I need to take out a secured loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Every application is different. Your personal account manager will explain exactly what you need. However, Evolution Money will always require proof of identification, proof of income, bank statements and proof that you are a homeowner.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How long can I borrow a secured loan for?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Evolution Money provides secured loans over terms of 3 to 20 years. Longer terms help keep monthly repayments down, but also push up the overall cost.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do I make the repayments?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">The typical method of paying your monthly instalments is by direct debit. If you happen to have missed a payment or are in arrears and wish to make an instant payment, you can do this through the Evolution Money website. You\u2019ll need to fill in your personal details to make a quick payment.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How will I receive the money?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Once the application process is finalised, the money will be transferred to your bank account. In the event of the loan being primarily for full debt consolidation, the funds will be paid directly to your creditors.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can I repay the loan early?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, although there may be an early repayment fee. You should check to make sure this fee doesn\u2019t increase the total amount repaid.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">How do I get in touch with Loans Warehouse?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you have any issues or queries, you can ring Loans Warehouse customer service on 01923 660218.<\/div>\n  <\/div>\n<\/li><\/ul><div class=\"text-center has-margin-bottom\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/secured-loan-finder-powered-by-loans-warehouse-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Get%2Ba%2Bquote%22%2C%22site%22%3A%22UKFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--large%22%2C%22offer_id%22%3A%2224814%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22product_id%22%3A%225e794d89-1ae4-4cce-902a-50f6f8138ce9%22%2C%22product_name%22%3A%22Secured%2BLoan%2BFinder%2Bpowered%2Bby%2BLoans%2BWarehouse%22%2C%22provider_id%22%3A%229013df25-9c60-4805-89c4-66f0a3d013de%22%2C%22provider_name%22%3A%22Loans%2BWarehouse%22%2C%22post_id%22%3A%22248087%22%2C%22post_path%22%3A%22personal-loans%252Fevolution-money%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--large\">Get a quote<\/a><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Evolution Money specialises in secured loans of up to \u00a3105,000 for homeowners with bad credit or even negative equity issues.<\/p>\n","protected":false},"author":195,"featured_media":248122,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"en","related_url":"\/evolution-money","footnotes":""},"categories":[2603],"tags":[],"asset_tag":[],"class_list":["post-248087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare Evolution Money secured loans | Finder UK<\/title>\n<meta name=\"description\" content=\"Evolution Money lets you unlock equity in your home with secured loans of up to \u00a3105,000. You could be accepted even with poor credit or negative equity issues.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/evolution-money\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Evolution Money secured loans\" \/>\n<meta property=\"og:description\" content=\"Evolution Money lets you unlock equity in your home with secured loans of up to [nb:niche code=&quot;UKFPL-SEC&quot; decorator=&quot;UKFPL-SEC.NICHE.UKFPL_SEC_PROVIDER_LOAN_MAX_AMOUNT&quot; SET=&quot;evolution&quot;]. 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