£100,000 Secured Loans Bad Credit | 100k Loans

£100,000 loans

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£100,000 Loans

If you need help consolidating debts, paying for home improvements, a combination of the two or something else significant, a £100,000 secured loan from Evolution Money could be right for you.

You can choose repayment terms from 3 to 20 years to suit your budget and personal situation. We make everything clear upfront and don’t charge hidden fees. We look at more than just credit scores too – so, even if you’ve been turned down elsewhere, you could still get a £100,000 loan.

Use our £100,000 loan application form to apply online in minutes or call 0161 814 9158 for a free no-obligation quote. Our qualified loan advisers can help you find the right loan for your needs.

Don’t just take our word for it either – see what customers say in our reviews.

Check my eligibility

Apply for a £100,000 loan online today

If you need to cover a large cost or fund a big project, a £100,000 home loan could be the answer.

Use our handy application form or call our qualified loan advisers on 0161 814 9158 for a free no-obligation quote.

Don’t forget: we look at more than just credit scores, so you could still get a £100,000 loan with a poor or imperfect credit score.

If you're looking to obtain credit, our secured loans can be used for a range of purposes

Carry out home improvements; a great way to invest back into your property

A wedding loan could turn your dreams into a reality

Bigger personal items such as cars can be financed using a secured loan

Take your family on that much needed holiday

Even if you have bad credit we could still help you with a loan

Get your no obligation quote today(does not affect your credit score)

How do your secured £100,000 loans work?

We offer £100,000 loans to UK residents that are secured against their property, which is why you might see secured loans referred to as homeowner loans. Offering security can improve your chances of getting approved and accessing a better loan, as it reduces risk for the lender.

Beyond this, our £100,000 home loans work just like standard instalment loans. If your application is accepted and the loan is funded, you’ll repay the full figure, plus interest, in regular payments. You can spread the cost of these over 3 to 20 years, based on your budget and preferences. We’ll make all your costs clear from the start, too.

What are the benefits of a £100,000 UK home loan?

The key benefits of a secured £100,000 loan include:

Easier to get: Offering your home as security may reduce the focus on your credit score, so you could still access the money you need with an imperfect credit history.
Flexible repayment terms: With our flexible repayment periods of 3 to 20 years, you can repay quickly or spread the cost in smaller instalments. It’s up to you.
Fewer restrictions on use: Whether you need a £100,000 home improvement loan or plan to put it towards something else, we offer loans for almost any purpose.

What should I consider before applying for a £100,000 loan?

Taking out a loan brings an element of risk, no matter the amount, so it’s best to think carefully before doing so. Ask yourself how much you truly need, why you need it, and how you’ll pay it back.

We’re a responsible lender and only offer loans our customers can afford. But by taking on a £100,000 secured loan, you risk having your home repossessed if you become unable to make your agreed repayments. Missing credit payments will also have a negative impact on your credit score and could make it harder to get credit in the future.

What can a loan with Evolution Money be used for?

Carry out home improvements and invest back into your property
A wedding loan could turn your plans into a reality
Finance bigger personal items such as cars or bikes
Consolidate multiple debts into one manageable payment
Invest money into your business and watch it grow

Apply for £100,000 loan

Do I qualify for a £100,000 loan?

Check if you meet our lending criteria for a 100,000-pound loan:

You’re aged between 21 and 70 years old
You’re a homeowner
You live in the UK
You can afford the repayments from your regular income

Can I get a £100,000 loan with less than perfect credit?

Your credit score won’t necessarily reflect your financial situation as a whole, so we’ll look at factors like your security, income and outgoings when reviewing your application. The term ‘bad credit’ tends to be used when an individual’s credit score is less than perfect. This means we could offer you a £100,000 loan even if you have had financial difficulties in the past, if we’re confident you can afford the repayments.

How to get a £100,000 loan with Evolution Money

Ready to apply? Just complete our secure online application form or call 0161 814 9158 to speak with one of our qualified loan advisers. If you meet our lending criteria, we’ll get back to you with a free no-obligation quote for a secured £100,000 personal loan.

We’ll ask for a few different documents as part of the process:

Proof of address (such as utility bills)
Proof of income (your last 3 months payslips or tax returns)
Proof of identity (passport or driving licence)
Bank statements for up to the past three months
Your mortgage account number and home insurance documents

We’ve approved loans for thousands of people across the UK and always do our best to help those who’ve been turned down for credit elsewhere. You don’t need to wait for a physical appointment, and we could complete an online valuation of your property.

Apply for a £100,000 loan

Questions you may have...

How do £100,000 loan repayments work?

We offer repayment terms from 3 to 20 years so you can spread the cost of your loan in a way that suits you. That could mean paying off the debt quicker to reduce how much you pay in interest or choosing a longer term for smaller and more manageable monthly repayments.

Our qualified advisers will be happy to explain your options and find a £100,000 loan repayment term that suits you.

How soon will I get my £100,000 loan if approved?

We’ll aim to fund your £100,000 homeowner loan as soon as possible – and you can help to keep things moving by providing any documents we ask for as early as possible.

What will my £100,000 secured loan cost overall?

We’re clear and honest about our fees, and there are two costs to be aware of alongside your loan amount and agreed interest rate. We charge:

• A Lending Fee of £807.00
• A Product Fee of £5,000 on a £100,000 loan

Your interest rate will be variable, which means it can go up or down over time.
Apply online for a more accurate idea of what a £100,000 loan will cost based on your personal circumstances.

What if I’ve been rejected for a £100,000 loan elsewhere?

We won’t automatically reject your application because of an imperfect credit score. We look at other factors, like income and outgoings, to help us judge whether our loans are affordable. So, even if you’ve been turned down elsewhere, we could help you get the money you need.

Please bear in mind, however, that making lots of loan applications in a short period of time can damage your credit score.

Why come to Evolution Money for a £100,000 secured loan?

Since starting out in 2011, we’ve provided loans to thousands of customers with flexible repayment terms to suit their needs.
We aim to help those who’ve struggled to get credit elsewhere, so we’ll look at more than just your credit score when reviewing your application.
You’ll know all the costs associated with your loan before committing to it.
Over a thousand people have rated us positively on the independent review platform Feefo, so you don’t just have to take our word for it.
We are authorised and regulated by the Financial Conduct Authority, We’re also a registered member of the Finance and Leasing Association.

Can I borrow a different amount?

We offer a broad range of secured loans from £5,000 to £100,000. If £100,000 is too much, you’ve still got plenty of options. Head to Loans > Loans by Value in the menu at the top of the page.

Representative 23.06% APRC (Variable).

For a typical loan of £30,000.00 over 120 months with a variable interest rate of 19.56% per annum, your monthly repayments would be £598.34.

Including a Product Fee of £2,400.00 (8% of the loan amount) and a Lending Fee of £807.00, the total amount repayable is £71,800.20.

Annual Interest Rates ranging from 11.88% to 29.38% (variable). Maximum 50.00% APRC. The loan must be paid back by your 70th birthday. Read more.

Think carefully before securing debts against your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured against it. If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 9 Portland Street, Manchester, M1 3BE. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.