How the Loan Works
Apply for Loan
By filling in our form and you could get a decision in principle in minutes
Meet your agent
One of our agents will visit you in your home to discuss your loan application
Get your loan
Your agent will deliver your cash direct to your home within a few days
Repay your loan
Your agent will call weekly to collect your repayment (or you can pay by standing order)
What Is Home Credit?
Home credit (or home collected credit) is a friendly, personal service that provides small loans with manageable repayments. They're collected each week from your home by your own agent. You may also have the option to pay directly by Banker's Standing Order.
Agents receive commission only on how much they collect. It is not in their interests, therefore, to lend more than you can comfortably afford to repay.
Home credit is designed to ensure that you feel in control of your finances, and can manage the repayments easily.
If you've never used home credit before, you may not know what to expect. But more and more people are finding it convenient and here's why:
- You could have £50 - £500 within days
- Even if you have a poor credit history
- Our agents are all friendly, helpful local people
Do I Qualify?
We could lend even if others have turned you down. You are an individual, different from everyone else, so we will base your loan on your circumstances, not just your credit history. We want to ensure that we help our customers so we'll always make sure that any loan we offer will be for an amount that you can afford to repay.
- CCJs or a poor credit history need not be a problem
- We will consider you even if you've been turned down before
- Tenants and unemployed are welcome to apply (may need guarantors)
- Fixed weekly repayments that are manageable
The best way to find out if you can get a loan is to fill in the application form.
How Much Can I Borrow?
You could borrow between £50 and £500, depending upon your personal circumstances and the weekly loan repayment you're comfortable with.
When you take a cash loan from us, you know upfront exactly how much you will have to pay each week. That means you can borrow money knowing there will never be any unexpected extras.