Home Credit (also known as home collected credit) is a friendly, personal service that provides small loans that are collected each week from your home by your own friendly local agent.
Our agents do not receive commission based on how much they lend, but how much they collect, this means it's not in their interest to lend more than you can comfortably afford to repay.
Unlike some lenders we are not looking to over lend to you so that it seems as if there is no end in sight, we are looking to develop a sensible long term relationship with our clients.
The whole idea of home credit is that you feel in control of your finances, and can manage the repayments easily, home collected loans are different because your agent will call at your home to collect your repayments at a prearranged time every week.
We provide cash loans for any purpose – unexpected bills, school uniforms, furniture, a new washing machine or cooker, being unemployed and on benefits won’t affect your ability to get a loan – we count benefits as income.
We offer cash loans from £100 to £1,000 over 37 weeks with a built in Bonus/Rebate payment every 4th week therefore reducing the cost and the term of your loan to 30 weeks.
The total cost of the loan is fixed, there are no extra charges or acceptance fees, if you miss a payment with us, we don't increase the cost of your loan- there are no hidden charges and as long as you catch back up you won't lose your Bonus/Rebate.