{"id":27961,"date":"2026-04-09T10:50:50","date_gmt":"2026-04-09T10:50:50","guid":{"rendered":"https:\/\/www.evolutionfunding.com\/public\/?page_id=27961"},"modified":"2026-07-02T12:07:32","modified_gmt":"2026-07-02T12:07:32","slug":"initial-disclosure-document","status":"publish","type":"page","link":"https:\/\/www.evolutionfunding.com\/public\/initial-disclosure-document\/","title":{"rendered":"Initial Disclosure Document"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"27961\" class=\"elementor elementor-27961\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21b637f e-flex e-con-boxed e-con e-parent\" data-id=\"21b637f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d65dc77 e-con-full e-flex e-con e-child\" data-id=\"d65dc77\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6496548 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6496548\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIMPORTANT: Please read\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99df865 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"99df865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Initial Disclosure Document<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f15b53 e-flex e-con-boxed e-con e-parent\" data-id=\"6f15b53\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1679be5 e-con-full e-flex e-con e-child\" data-id=\"1679be5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec89df9 elementor-widget elementor-widget-text-editor\" data-id=\"ec89df9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Dear Customer<\/p><p>Please read the following document in addition to your pre-contract information. You should consider the information provided before signing your finance agreement, to decide if our services are right for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2832fd0 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2832fd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who are we and how can we help finance your purchase?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-024a50b elementor-widget elementor-widget-text-editor\" data-id=\"024a50b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Evolution Funding Ltd. Company registration number 11354996. Our registered address is Thompson Close, Chesterfield, S41 9AZ.<\/p><p>We are authorised and regulated by the Financial Conduct Authority for credit brokerage. Our FCA firm reference number is 823324.<\/p><p><strong>Evolution Funding Limited is a credit broker, not a lender.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a9a98a elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4a9a98a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who can apply for finance with us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3da76e0 elementor-widget elementor-widget-text-editor\" data-id=\"3da76e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>All finance is subject to status.<\/li><li>Terms and Conditions apply. A guarantee may be required.<\/li><li>Over 18s only.<\/li><li>UK residents only.<\/li><\/ul><p><strong>PLEASE ENSURE YOU CAN AFFORD THE REPAYMENTS FOR THE DURATION OF A LOAN BEFORE ENTERING INTO A CREDIT AGREEMENT.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faae695 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"faae695\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Whose products we offer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d326a4e elementor-widget elementor-widget-text-editor\" data-id=\"d326a4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We can introduce you to a limited group of carefully selected credit providers who may be able to offer you finance for your purchase. Our role as a credit broker is to determine which lender on our panel to introduce you to. Each credit provider may have different interest rates and charges.<\/p><p>We are only able to offer finance products from these providers, which may be suitable for you, and we will explain the key features of your chosen product to you (or your introducing supplier will). As a credit broker with a limited panel of preferred credit providers from whom we receive commission, Evolution Funding is not impartial and is free to prefer its own interests.<\/p><p>In line with our regulatory requirements, we will try to get you the finance arrangement you were quoted from our limited panel of lenders or a suitable alternative offer and the commission we receive will never be our primary decision of which lender to place you with.<\/p><p>However, we may be influenced by the amount of commission we earn, this means you should not think we are giving financial advice or a recommendation to you. Depending on your circumstances you may be able to negotiate a better or different finance arrangement if you shop around.<\/p><p>The introducing supplier or partner may have arrangements with other brokers or lenders and therefore you should consider the information provided to you by them.<\/p><p><b>We are NOT independent financial advisors.\u00a0<\/b>We will provide details of the products available from the lenders that we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-769c7f9 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"769c7f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our finance partners<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03a1b64 elementor-widget elementor-widget-text-editor\" data-id=\"03a1b64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Details on our current list of finance lenders and details of how they use information can be found at the following link: <a href=\"https:\/\/www.evolutionfunding.com\/public\/privacy-notice\/finance-partners\/\">https:\/\/www.evolutionfunding.com\/<wbr \/>public\/privacy-notice\/finance-partners\/<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39bc2d7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"39bc2d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Commission arrangements and interest rates<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96c2186 elementor-widget elementor-widget-text-editor\" data-id=\"96c2186\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Rates will be either fixed or based on your credit score. Fixed rates are based on the lender, by a parameter or a number of parameters (for example, the advance borrowed, the age of asset or the manufacturer of the asset). Fixed rates are determined by our contractual agreement with the introducing supplier and the supplier cannot change this rate. Credit score-based rates are pre-set and linked to your individual credit rating. Typically, the higher your credit score, the lower the APR you will receive from a credit provider.<\/p><p>We will receive payment from the credit provider for introducing you to them and we will also pay an amount of that commission to the introducing supplier or partner. The amount both parties receive could vary by credit provider, which may be a higher amount in relation to certain products compared with other products available. The lenders we work with could pay commission at different rates. However, the amount of commission that we receive from a lender is predetermined and cannot be changed for your agreement.<\/p><p>We run a number of different commission models depending on the arrangements that we have agreed with the lender and in turn agreed with our supplying introducers. The commission received is either a fixed fee or a percentage of the amount you borrow, which means the payment we receive 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.<\/p><p>As described above the amount of commission payable is predetermined. We will confirm the likely amount of commission both we and the introducing supplier or partner will receive for arranging your finance agreement in good time, before you sign the finance agreement.<\/p><p><b>We do not charge you a fee for our services,\u00a0<\/b>but the commission we receive from the lender and pay to the introducer impacts the amount you pay.<\/p><p>As stated above, the amount of commission is predetermined by our commercial relationship with the lender and cannot be changed for your agreement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89fc616 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"89fc616\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Using your personal data<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c518344 elementor-widget elementor-widget-text-editor\" data-id=\"c518344\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Please read our <a href=\"https:\/\/www.evolutionfunding.com\/public\/privacy-notice\/\">Privacy Notice<\/a> as your personal data is being processed by Evolution Funding Ltd.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p><p class=\"p1\">We use your personal data in order to:<\/p><ul><li>Support a number of specific steps before you enter into a contract for vehicle finance (loan agreement) with your chosen finance company; and<\/li><li>Ensure that our legitimate interests as a finance broker are protected.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f75264 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7f75264\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3913367 elementor-widget elementor-widget-text-editor\" data-id=\"3913367\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you have any queries regarding the agreement you are entering into, please contact our Customer Care department at <a href=\"mailto:customercare@evolutionfunding.com\">customercare@evolutionfunding.com<\/a> or by telephone on <a href=\"tel:01246458808\" data-wplink-edit=\"true\">01246 458 808<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b2bc73 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2b2bc73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What can you do if you have any concerns about our services?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2da425 elementor-widget elementor-widget-text-editor\" data-id=\"a2da425\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you have any concerns, please contact us in the first instance by writing to us at: Resolutions Department, Evolution Funding Ltd, Thompson Close, Chesterfield S41 9AZ, emailing us at <a href=\"mailto:help@evolutionfunding.com\">help@evolutionfunding.com<\/a> or by telephoning us on: <a href=\"tel:01246458812\">01246 458 812<\/a>.<\/p><p>You have the right to refer any unresolved complaint to the Financial Ombudsman Service: Exchange Tower, London, E14 9SR.<\/p><p>Web: <a href=\"https:\/\/www.financial-ombudsman.org.uk\" target=\"_blank\" rel=\"noopener\">www.financial-ombudsman.org.uk<\/a><\/p><p>Telephone: <a href=\"tel:08000234567\">0800 0234 567<\/a><\/p><p>This IDD was updated on 19\/11\/2024<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>IMPORTANT: Please read Initial Disclosure Document Dear Customer Please read the following document in addition to your pre-contract information. You should consider the information provided before signing your finance agreement, to decide if our services are right for you. Who are we and how can we help finance your purchase? Evolution Funding Ltd. Company registration [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":25409,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-27961","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Initial Disclosure Document (IDD) | Evolution Funding<\/title>\n<meta name=\"description\" content=\"Our Initial Disclosure Document (IDD) provides customers with key information about Evolution Funding before you sign your finance agreement.\" \/>\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.evolutionfunding.com\/public\/initial-disclosure-document\/\" \/>\n<meta property=\"og:locale\" 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