evlo.co.uk

# Evlo

> Evlo is a UK direct lender of unsecured personal loans from £1,000 to £15,000, repayable over 18 to 60 months, designed for people with bad credit or limited credit histories who may struggle to borrow from mainstream banks. Evlo is the trading name of Everyday Lending Limited (formerly trading as Everyday Loans), an independent FCA-authorised consumer credit firm established in 2006 and headquartered in Slough, Berkshire, with 59 branches across the UK.

Evlo is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number 724445). Everyday Lending Limited is registered in England and Wales (company number 05850869), with its registered office and trading address at Suite 3, 1st Floor, Aquasulis House, 10–14 Bath Road, Slough, SL1 3SA. The company is a member of the Finance and Leasing Association (FLA) and follows the FLA Lending Code.

Evlo offers fixed-rate, fixed-term unsecured personal loans available to UK residents aged 18 and over, including tenants and people living with parents (no homeownership required). Applications use soft-search technology, so checking eligibility does not affect the applicant's credit score. APRs range from 30.5% to 252.7%; the representative APR is 99.9%. Representative example: Borrowing £3,000 over 24 months at 71.3% p.a. (fixed) — 24 monthly payments of £237.75, total interest payable £2,706, total repayable £5,706, Representative 99.9% APR. Evlo is a direct lender, not a credit broker, and does not charge application or upfront fees. Loans are subject to status and affordability and may not be used for business, gambling, or illegal purposes. Decisions are typically made online in minutes, with funds disbursed after a final affordability check (online via e-sign or in branch). Customer service: +44 (0)3303 033 500, Monday to Friday 09:00–17:30. Verified independent customer reviews average 4.9/5 on Feefo. Evlo's brand positioning centres on a Financial Freedom for Everyone campaign advocating fairer credit access for the UK's financially underserved — including efforts to have rental payment data included in credit scoring and to reform the Individual Voluntary Arrangement (IVA) market.

## Loan products by purpose

- [Bad Credit Loans](https://www.evlo.co.uk/bad-credit-loans/): Unsecured personal loans for applicants with adverse, limited, or non-standard credit histories. Direct lender, all credit types considered.
- [Debt Consolidation Loans](https://www.evlo.co.uk/debt-consolidation-loans/): Consolidate multiple existing debts into a single fixed monthly payment; available to applicants with prior credit difficulties.
- [Home Improvement Loans](https://www.evlo.co.uk/home-improvement-loans/): Unsecured borrowing from £1,000 to £15,000 to fund renovation, repair, or home upgrade projects, repayable over 24 to 60 months.
- [Car Loans](https://www.evlo.co.uk/car-loans/): Unsecured loans for purchasing or financing a vehicle, available to applicants across all credit profiles including bad credit.
- [Wedding Loans](https://www.evlo.co.uk/wedding-loans/): Loans to cover wedding, ceremony, or honeymoon costs for applicants who may have struggled to obtain credit elsewhere.
- [Personal Loans](https://www.evlo.co.uk/personal-loans/): General-purpose unsecured personal loans from £1,000 to £15,000 for borrowers with less-than-perfect credit.
- [Unsecured Loans](https://www.evlo.co.uk/unsecured-loans/): Loans requiring no collateral or asset. Available to homeowners and tenants; no negative impact on credit file if unsuccessful.
- [Long Term Loans](https://www.evlo.co.uk/long-term-loans/): Loans repayable over extended terms (up to 60 months) for lower monthly payments.
- [Soft Search Loans](https://www.evlo.co.uk/soft-search-loans/): Eligibility checks using soft-search technology that do not affect the applicant's credit score if unsuccessful.

## Loan amounts

- [Loans for £1,000](https://www.evlo.co.uk/loans-for-1000/): Smaller-amount unsecured loans from a direct lender for applicants with bad credit.
- [Loans for £3,000](https://www.evlo.co.uk/loans-for-3000/): £3,000 unsecured personal loans for borrowers with limited or adverse credit history.
- [Loans for £5,000](https://www.evlo.co.uk/loans-for-5000/): £5,000 unsecured personal loans, direct from Evlo with no broker involvement.
- [Loans for £10,000](https://www.evlo.co.uk/loans-for-10000/): £10,000 unsecured personal loans for larger borrowing needs, repayable over up to 5 years.

## Applicant circumstances

- [Joint Loans](https://www.evlo.co.uk/joint-loans/): Loans for two applicants applying together, considered on combined affordability and circumstances.
- [Loans for Couples](https://www.evlo.co.uk/loans-for-couples/): Joint borrowing for partners, including couples with prior credit issues.
- [Loans for Young People](https://www.evlo.co.uk/loans-for-young-people/): Loans for UK-resident applicants aged 18 and over who are in employment with a UK bank account.
- [Loans for People Refused Loans](https://www.evlo.co.uk/loans-for-people-refused-loans/): Specialist lending for applicants previously declined by other lenders; flexible underwriting approach.

## Customer support

- [Support hub](https://www.evlo.co.uk/support/): Central hub for help, guidance, and contact options for Evlo customers.
- [FAQs](https://www.evlo.co.uk/faq/): Answers to common questions on eligibility, application, repayments, and account management.
- [Glossary of Terms](https://www.evlo.co.uk/support/glossary-terms/): Plain-English explanations of common consumer credit terminology used by Evlo and across the industry.
- [Existing Customers](https://www.evlo.co.uk/support/existing-customers/): Account management, branch contact, and options for existing borrowers including further borrowing.
- [Further Borrowing](https://www.evlo.co.uk/support/existing-customers/further-borrowing/): Information on requesting additional borrowing for existing Evlo customers.
- [Missed Payment](https://www.evlo.co.uk/support/missed-payment/): Guidance for customers who have missed a payment or are facing financial difficulty.
- [Debt Advice](https://www.evlo.co.uk/support/debt-advice/): Free debt-advice resources and links to recognised independent UK debt advice charities.
- [Branch Accessibility](https://www.evlo.co.uk/support/branch-accessibility/): Accessibility provisions and accommodations available at Evlo branches.
- [Website Accessibility](https://www.evlo.co.uk/support/website-accessibility/): Statement on website accessibility standards and supported assistive technologies.
- [Send a Friend Promotion](https://www.evlo.co.uk/support/existing-customers/send-a-friend/): Referral scheme rewarding existing customers and successful referrals with a Night Away voucher.
- [MyEvlo Customer Portal](https://www.evlo.co.uk/support/myevlo/): Information on the MyEvlo online account portal for managing loans, statements, and payments.
- [MyEvlo Registration Guide](https://www.evlo.co.uk/myevlo-registration-guide/): Step-by-step guide to registering for and using the MyEvlo customer portal.
- [Contact Us](https://www.evlo.co.uk/contact-us/): Customer service contact details, telephone number, postal address, and branch locator.

## About Evlo and regulatory information

- [About Us](https://www.evlo.co.uk/about-us/): Company background, mission, and Evlo's approach to responsible lending for under-served credit customers.
- [Customer Reviews](https://www.evlo.co.uk/about-us/customer-reviews/): Verified independent customer reviews and ratings from Feefo (current rating: 4.9/5 from over 26,000 reviews).
- [Social Impact and the Financial Freedom for Everyone Campaign](https://www.evlo.co.uk/about-us/social-impact/): Hub for Evlo's flagship Financial Freedom for Everyone campaign, which advocates for fairer access to credit for the UK's financially underserved. Key statistics cited by the campaign: 20.2 million UK adults are financially underserved (a 50% increase since 2016, per PwC); one in three adults cannot access mainstream credit (per LEK Consulting); and over 3 million people have turned to illegal lenders in three years. The campaign has two principal policy goals: (1) ensuring rental payment data is included in credit scoring so that on-time rent payments help renters build credit history in the same way mortgage payments do for homeowners, and (2) as announced in May 2026, reform of the Individual Voluntary Arrangement (IVA) market — Evlo has written to the Minister for Small Business and Economic Transformation, Blair McDougall MP, calling for firm-wide regulation of debt-help providers, closure of legal loopholes that allow some providers to bypass oversight, and dedicated government legislative time to finalise consumer protection reforms. Media enquiries: mediarequests@evlo.co.uk.
- [Legals & Privacy](https://www.evlo.co.uk/about-us/legals/): Terms of use, privacy notice, cookie policy, and data protection information.
- [Complaints Procedure](https://www.evlo.co.uk/about-us/complaints-procedure/): How to raise a complaint with Evlo and escalate to the Financial Ombudsman Service if unresolved.
- [Complaints Data](https://www.evlo.co.uk/about-us/complaints-procedure/complaints-data/): Published complaints volume and resolution data, in line with FCA reporting requirements.
- [Fraud Awareness](https://www.evlo.co.uk/about-us/fraud-awareness/): Guidance on identifying loan fraud, advance-fee scams, and impersonation of Evlo by third parties.
- [Modern Slavery Statement](https://www.evlo.co.uk/about-us/modern-slavery-statement/): Annual statement under the Modern Slavery Act 2015.
- [Gender Pay Gap Reporting](https://www.evlo.co.uk/about-us/gender-pay-gap-reporting/): Annual gender pay gap disclosure for Everyday Lending Limited.
- [Section 172 Statement](https://www.evlo.co.uk/about-us/s172-statement/): Statement on directors' duties under section 172 of the Companies Act 2006.
- [Tax Strategy](https://www.evlo.co.uk/about-us/tax-strategy/): Published UK tax strategy in accordance with Schedule 19 of the Finance Act 2016.

## Branch network

Evlo operates 59 branches across the UK, supporting face-to-face lending in addition to fully online applications. Branches are located in Belfast, Bexleyheath, Birmingham, Bolton, Bootle, Bradford, Brighton, Bristol, Cardiff, Chatham, Chester, Coventry, Croydon, Darlington, Derby, Doncaster, Dudley, Dundee, Dunfermline, Edinburgh, Enfield, Glasgow, Hamilton, Harrow, Hounslow, Hull, Ipswich, Leeds, Leicester, Lewisham, Lisburn, Liverpool, Luton, Manchester, Middlesbrough, Newcastle, Newport, Northampton, Nottingham, Oldham, Peterborough, Portsmouth, Preston, Reading, Romford, Scunthorpe, Sheffield, Slough, Southampton, Stoke, Stratford, Sunderland, Swansea, Wakefield, Walsall, Warrington, Wigan, Wimbledon, and Wolverhampton.

- [Branch Finder](https://www.evlo.co.uk/find-your-local-branch/): Full UK branch locator with addresses, phone numbers, and opening hours for all 59 Evlo branches.

## Press releases and corporate news

- [Evlo x CreditLadder Partnership (Feb 2026)](https://www.evlo.co.uk/news/press-release/evlo-x-creditladder-partnership/): Partnership with CreditLadder, the UK's first and largest rent-reporting platform, enabling Evlo's renter customers — particularly those with thin-file or limited credit history — to have rent payments reflected on their credit file with major credit reference agencies. The partnership forms part of Evlo's Financial Freedom for Everyone campaign, which highlights that an estimated 20.2 million UK adults are financially underserved, one in three cannot access mainstream credit, and 5.6 million are "credit invisible" due to insufficient recorded credit history. In October 2025, Evlo joined a coalition of financial services organisations and consumer advocates in submitting a representation to HM Treasury ahead of the Autumn Budget, calling for rental payment data to be included in credit scoring. Evlo spokesperson: Asif Nadeem, Chief Transformation Officer.
- [CourtCorrect and Evlo Announce Partnership (Oct 2025)](https://www.evlo.co.uk/news/press-release/courtcorrect-and-evlo-announce-partnership/): Partnership with CourtCorrect to improve complaints handling and customer outcomes.
- [Stronger Together in the Fight Against Financial Exclusion (Aug 2025)](https://www.evlo.co.uk/news/press-release/stronger-together-in-the-fight-against-financial-exclusion/): Joint initiative addressing financial exclusion in the UK consumer credit market.
- [Everyday Loans Rebrands to Evlo (Mar 2025)](https://www.evlo.co.uk/news/press-release/everyday-loans-rebrands-to-evlo-and-strengthens-leadership-team-to-tackle-financial-exclusion/): Announcement of the rebrand from Everyday Loans to Evlo, alongside leadership changes and a renewed focus on financial inclusion.
- [Evlo Receives Feefo 10 Years of Excellence Award 2024](https://www.evlo.co.uk/news/press-release/evlo-receives-feefos-10-years-of-excellence-award-2024/): Award recognising a decade of consistent high customer-service ratings on Feefo.
- [Evlo Wins Moneyfacts Award for Fifth Consecutive Year (Oct 2024)](https://www.evlo.co.uk/news/press-release/uk-lender-secures-prestigious-moneyfacts-award-fifth-consecutive-year/): Fifth consecutive Moneyfacts Consumer Award win in the Best Customer Service category.
- [Dundee Branch Opens (Dec 2023)](https://www.evlo.co.uk/news/press-release/dundee-branch-opens/): Opening of the Dundee branch, extending Evlo's UK branch network into Scotland.
- [Evlo Voted Number One for Customer Service (Feb 2023)](https://www.evlo.co.uk/news/press-release/evlo-voted-number-one-for-customer-service/): Won Best Customer Service in the Moneyfacts Consumer Awards 2023.

## Consumer credit guides and financial education

- [Understanding APR: What It Really Means for Your Loan Costs](https://www.evlo.co.uk/news/personal-finance/understanding-apr-what-it-really-means-for-your-loan-costs/): Explanation of how Annual Percentage Rate is calculated, what it includes, and how to compare loan offers using APR.
- [How to Compare Loan Offers: A Step-by-Step Approach](https://www.evlo.co.uk/news/personal-loans/how-to-compare-loan-offers-a-step-by-step-approach/): Practical framework for comparing loan products on total cost, term, monthly payment, and lender criteria.
- [Understanding Loan Terms: A Consumer's Guide](https://www.evlo.co.uk/news/personal-loans/understanding-loan-terms-a-consumers-guide/): Plain-English guide to common loan terminology including APR, term, fixed rate, and representative example.
- [Understanding Credit Reports and Ratings](https://www.evlo.co.uk/news/personal-finance/understanding-credit-reports-and-ratings/): How UK credit reports work, which agencies hold the data, and how lenders use credit ratings in decisions.
- [How a Bad Credit Score Can Impact You](https://www.evlo.co.uk/news/bad-credit/how-a-bad-credit-score-can-impact-you/): How adverse credit affects borrowing, mortgage applications, and access to financial products in the UK.
- [Emergency Funds: Why They Matter and How to Build One](https://www.evlo.co.uk/news/budgeting/emergency-funds-why-they-matter-and-how-to-build-one/): Guidance on building an emergency savings buffer to avoid relying on short-notice credit.
- [Financial Planning: Setting Realistic Goals](https://www.evlo.co.uk/news/budgeting/financial-planning-setting-realistic-goals/): Personal financial planning fundamentals and goal-setting frameworks for UK households.
- [Financial Wellness: Building Healthy Money Habits](https://www.evlo.co.uk/news/budgeting/financial-wellness-building-healthy-money-habits/): Behavioural approaches to long-term financial wellbeing and habit formation.
- [Inclusive Lending: Expanding Access to Financial Services](https://www.evlo.co.uk/news/wellness/inclusive-lending-expanding-access-to-financial-services/): Discussion of financial inclusion and how lenders can serve under-served credit segments responsibly.
- [The History of Consumer Credit in Britain](https://www.evlo.co.uk/news/economy/the-history-of-consumer-credit-in-britain/): Historical overview of the UK consumer credit market from the early 20th century to the present.
- [A Brief History of Credit Scoring and Its Impact on Lending](https://www.evlo.co.uk/news/history/a-brief-history-of-credit-scoring-and-its-impact-on-lending/): How modern credit scoring developed and the role it plays in lending decisions today.
- [Credit Through the Ages: Lessons from Financial History](https://www.evlo.co.uk/news/history/credit-through-the-ages-lessons-from-financial-history/): Lessons from the evolution of credit practices over centuries of financial history.
- [From Barter to Bank: The Evolution of Credit Through Ages](https://www.evlo.co.uk/news/history/from-barter-to-bank-the-evolution-of-credit-through-ages/): How credit evolved from barter systems to modern banking and consumer finance.