Bad Credit Loans

Finding the loan that's right for you

Evlo are a direct UK lender that specialises in helping applicants whose credit history makes it hard to borrow elsewhere. After a short, secure online form, they run a soft credit search, so your application won't be recorded on your credit file unless you decide to accept their offer. If approved, you can borrow between £1,000 and £15,000 over 18 to 60 months, giving you the flexibility to choose a repayment term that fits your budget.

You'll see a conditional decision in minutes and a clear breakdown of costs, including a representative 99.9% APR, so there are no surprises. Once you're happy to proceed, funds are transferred quickly to your bank, and their friendly UK-based support team remains on hand throughout the life of the loan to help with any queries or early-repayment requests.

Founded in 2006, Evlo has helped thousands of customers across the UK access unsecured personal loans when traditional lenders turned them away. They believe that past financial setbacks shouldn't define your future, so their mission is to offer responsible, second-chance lending built around transparency and flexibility.

Evlo is authorised and regulated by the Financial Conduct Authority (FCA) and is a proud member of the Finance and Leasing Association, committing them to high standards of customer care and fair lending practices. All loans are unsecured - your home or car are never used as collateral - and every application is assessed on individual circumstances, allowing borrowers to rebuild their credit while managing affordable repayments.

With a convenient digital journey, soft-search technology and a knowledgeable support team, they make it easy to put "your future, in your hands" and cover life's unexpected costs with confidence.

What happens next

Finding the loan that's right for you