Helping you move forward with car finance

Evolution Loans is our exclusive in-house lender for Hire Purchase (HP) agreements, created to help more customers get the motor finance funding they need.

Because Evolution Loans is only available through Evolution Funding, we can offer a more flexible approach to car finance – helping customers who may have struggled to secure finance elsewhere.

Representative APR 16.9%

Helping more customers get approved

We know that every customer is different – and that there isn’t a one-size-fits-all approach. That’s where Evolution Loans comes in.

We look at applications differently

We don’t just rely on standard criteria. We take the time to understand your personal circumstances.

Support if you’ve struggled elsewhere

If you’ve been declined before, Evolution Loans could give you another chance to be approved.

A look at the bigger picture

We look at more than just your credit score, helping us build a bigger picture of what’s affordable.

Backed by trusted experts

You’re in good hands, backed by the technology and experience of the UK’s leading auto finance provider.

Important information: Please ensure you can afford the repayments for the duration of a loan before entering into a credit agreement.

How Evolution Loans works

When you apply for car finance through Evolution Funding, we look at a range of options to find the right fit for your circumstances. Where other lenders are unable to offer finance, Evolution Loans may be an option.

Apply as normal

Start your application online or at the dealership.

We explore your options

We look across our broad lender panel to find the right fit for your circumstances.

Evolution Loans may be considered

If other lenders aren’t suitable, Evolution Loans may be considered as an alternative.

We’ll let you know what’s right for you

If Evolution Loans is the right option, we’ll let you know as part of your application.

Move forward with confidence

If approved, you can continue with your application knowing what’s affordable for you.

Why Evolution Loans could be an option for you

We understand that life happens. That’s what makes every application different – and why Evolution Loans’ flexible approach is here to support you.

For example:

You’ve been declined for finance elsewhere.

You’re looking to borrow a smaller amount.

The vehicle you’ve chosen is older but still represents good value.

Backed by the UK’s largest motor finance broker

If Evolution Loans is offered to you as part of your application, rest assured you’re still in safe hands. We’re part of Evolution Funding – this means you’ll benefit from a trusted process built on years of experience helping customers find the right finance options for their circumstances.

Need support? We’re here to help

If you have a question about your application, our team is here to help.

If you already have an Evolution Loans agreement, you can manage your account and find important information through our customer portal.

For questions about your agreement, payments, or if something doesn’t feel right, please get in touch by emailing

customerservice@evolutionfunding.com

Frequently asked questions

Who are Evolution Loans?

Evolution Loans is Evolution Funding’s in-house finance facility. It allows us to offer car finance directly, giving us more flexibility to support customers whose applications may not fit with traditional lenders.

Can I get car finance if I’ve been declined elsewhere?

Yes - in some cases, you may still be able to get car finance through Evolution Loans. Because we take a more flexible approach, we can consider applications that may not have been accepted by other lenders.

Is Evolution Loans part of Evolution Funding?

Yes, Evolution Loans is part of Evolution Funding, the UK’s largest auto finance broker. This means you benefit from the same expertise, technology, and support throughout your application.

Are Evolution Loans a lender?

Yes - Evolution Loans is a lender. This means we can offer finance directly, rather than introducing you to another provider. This allows us to take a more flexible approach to certain applications and help you secure finance when you may have struggled elsewhere.

How does Evolution Loans work?

When you apply for car finance through Evolution Funding, we look across a range of lenders to find the best option for your circumstances. If your application doesn’t fit with traditional lenders, Evolution Loans may be considered as an alternative. If it’s the right option for you, we’ll let you know as part of your application.

Do I need to apply separately for Evolution Loans?

No, you do not apply separately for Evolution Loans. When you apply for car finance through Evolution Funding, we may consider Evolution Loans as an alternative option if your application doesn’t fit traditional lenders. If your application is suitable for Evolution Loans, we’ll let you know as part of your application.

View Evolution Loans Privacy Notice

Evolution Loans customers are administered and processed by Evolution Funding.

Evolution Loans Ltd is authorised and regulated by the Financial Conduct Authority. Our FRN number is 661541. We are a lender not a broker. Finance subject to status. Terms and Conditions apply. A guarantee may be required. Over 18’s only. PLEASE ENSURE YOU CAN AFFORD THE REPAYMENTS FOR THE DURATION OF A LOAN BEFORE ENTERING INTO A CREDIT AGREEMENT. You must decide whether the finance product is right for you.

Rates are risk based and the supplier cannot change this rate. Evolution Loans will pay Evolution Funding a commission, who will then pay a proportion of that commission to the introducing supplier or partner. The amount of commission is predetermined and cannot be changed for your agreement.

The commission paid is either a fixed fee or a percentage of the amount you borrow, which means the payment may vary depending on the amount you borrow and the term the loan is borrowed over. This may also mean that the more you borrow the more the introducer is paid. Evolution Funding will explain the key features of those products to you (unless your supplier provides this).

Prices, offers and information correct at time of publishing.