We are partnering people on their journeys through life. We are a purpose-led organisation that recognises the unique challenges and opportunities people face in their lives. We share our expertise to create brighter futures, through the responsible provision of financial services and products. We drive financial wellness, and are a platform for growth, sustainability and improvement.

Established in 2001, Evolution, formerly known as Real People, is built on a focused portfolio of businesses. These centre around providing responsible finance to individuals and customer-centric debt management solutions to businesses.

Our portfolio of businesses comprises:

We are partnering with people on their journeys through life. We are a purpose-led organisation that recognises the unique challenges and opportunities people face in their lives.

We strive to develop Life products that are highly flexible and continue to evolve, as your needs evolve, and that offer you peace of mind through life-changing events. We deliver our products through affinity partnerships that provide continuous value for money in a hassle-free manner.

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Evolution Finance offers loans for customers to spend at over 600 participating Hardware stores. Evolution Finance pays the loan money directly to the participating hardware store as payment for your building or renovation materials.

Our innovative in-store credit origination model provides our merchant clients with the tools required to improve their turnover and provides our customers with a customer friendly solution to their home improvement needs.

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Our vision is to resolve debt fairly.

We are experts in the pricing and purchase of unsecured consumer debt from blue chip credit vendors in the local Banking, Large Non-Banking Lenders and credit led Retail sectors. We hold and maintain strong relationships with most vendors in these sectors, and our competitive pricing, market reputation and simple approach to acquisitions make us a trusted partner for them. We purchase debts from vendors and as the owner of the debt, we then have full flexibility in crafting a value proposition for the consumer, whereby a portion of the acquisition discount can be shared with the consumer.

We also offer collections as a service where we focus on the post write off segment for the larger banking, Large Non-Banking Lenders, credit led retailers and debt buyers within South Africa. We have mastered the complexity of managing strategy, cost and performance across multiple mandates.

Our personalized collections interactions provide us with high activation rates and payment persistency underpinned by sophistication around obtaining high Debicheck authentication rates and sophisticated back office management of those deductions. The operational contact centre operates on a work from home basis with a nationally distributed workforce as well as offering a face to face collection capability “Cybertrac” to offer a more effective alternative to the cumbersome legal collections process.