Also known as: Evlo; Everyday Loans
Everyday Lending Limited operates under the Everyday Loans and Eddy brands, offering branch-based personal loans to customers who may not qualify for loans from high street banks. It is part of Non-Standard Finance, a group specialising in near-prime and non-prime consumer lending.
Everyday Loans operates a network of branches in towns and cities across the UK, which sets it apart from many online-only lenders. The face-to-face model is designed for customers who prefer to discuss their loan in person. Loans are available for amounts from a few hundred to several thousand pounds, repaid over one to five years.
Because Everyday Loans serves customers with non-standard credit histories, interest rates are higher than those offered by mainstream banks. It is important to understand the total cost of any loan, including the total amount repayable, before agreeing to it.
If you have an Everyday Loans agreement and need to contact them, details are available on their website at evlo.co.uk. Everyday Lending Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling to meet repayments on an Everyday Loans product, contact their customer team as early as possible. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Everyday Lending Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Branch-based personal loans £1,000–£15,000 over 18–60 months; representative APR 99.9%; face-to-face underwriting; 60+ branches across UK; targets customers declined by mainstream lenders
Trading names and group notes
Previously a subsidiary of Non-Standard Finance PLC (09122252), which was dissolved 16 November 2024. Current ownership structure post-NSF dissolution is not publicly verified. Everyday Lending Limited remains active at Companies House. Previously operated as Loans at Home alongside Everyday Loans under NSF.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.7
approximately 11,000 (combined Evlo/Everyday Loans profiles) reviews
Other review sources
Trustpilot label: Excellent. 85% 5-star reviews (as of April 2026). Won Non-Mainstream Loan Provider of the Year (Moneyfacts Consumer Awards) multiple years 2020–2024. reviews.io profile also active.
Overall public sentiment
Predominantly positive. Customers praise friendly and knowledgeable branch staff, flexible approach to impaired credit, and personal customer service. Key criticism: customers report being approved online but declined at the mandatory in-branch meeting stage, creating frustration. Approx 11% 1-star reviews. Overall positive for a non-prime branch lender.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
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