What Will I Need To Apply?

What Will I Need To Apply?

Here at Home Credit Finance we supply loans for any purpose – 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.

You do not need a bank account however we will need to understand your financial circumstances. This will include your income and outgoings as well as how much you need to borrow and over how long.

You will need to provide us with evidence of your income, such as a bank or post office account statement, proof of your address – for example, a tenancy agreement or a utility bill and proof of identity such as passport or driving licence.

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HCF Client Testimonial

HCF Client Testimonial
‘My husband was poorly and wasn’t able to work for a couple of months. He is self employed and obviously doesn’t earn if he doesn’t work. We got behind with our rent and bills and heard about HCF from a family member who was a customer. So I called them up and that afternoon someone came by and explained the whole process to us. They were so reassuring and found the best repayment plan for us that wouldn’t put us in more trouble trying to pay it back. The first month we just paid back the minimum payment but when he was back at work we could pay off more which took a chunk out of the interest we would have to pay back. HCF was there when we had no where else to go and we have recommended them to our friends and family many times now. We are looking to move soon and it’s so nice to know we have access to a bit of cash if we need it if something pops up.’
 

Mr & Mrs TM
Brighton

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HCF Client Testimonial

HCF Client Testimonial

My washing machine and my car decided to pack up in the same week and my neighbour gave me the number of her HCF Agent and told me to give them a call. In next to no time I was talking to an agent who explained all the details about getting a loan. I decided to go for a smaller repayment plan but it was helpful to be able to stretch it over a month or two rather than go to a payday loan company as it would have made me really short at the end of the month. The flexibility of the repayments and the fact that I knew the agent from my neighbour really appealed to me and I will definitely be using their services again if I find myself in a tight spot again in the future!’

Miss KW

Brighton               

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So How Much Can I Borrow?

So How Much Can I Borrow?

The amount you can borrow is determined by your own personal circumstances and not by your previous credit history. We look at your financial circumstances now and provide the opportunity to build your own credit history with us.

A fresh start for when you need a bit of extra cash whether it be an unexpected bill, Xmas, birthday, holiday or a little of life’s luxuries for yourself.

Our loans are flexible and you are welcome to overpay as much as you wish without any fee’s or charges for settling up early. In fact, if you pay more than your agreed weekly amount the interest charged can drop quite dramatically!!!

 

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New HCF Agent in Crawley

New HCF Agent in Crawley

We are pleased to welcome another new agent to the HCF family this month.

Karina will be covering the Poundhill area of Crawley and we are sure that she will create another succesfull round for HCF with our ever popular bonus loans.

So if you're looking for a small loan whilst the kids are on holiday why not use our contact pages to get in touch.

 

 

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Maximum Loan Size Increased

HCF Maximum loan size has been increased to £1000 for existing customers.

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HCF Bonus Loans

Home Credit Finance Bonus Loans

New bonus loans are now available over 18 or 37 week periods up to a loan size of £1000.

Every 4th weekly payment will receive a bonus payment therefore reducing the 18 week loan to a 14 week loan and the 37 week loan to a 30 week loan.

As an example this will make a HCF 30 week, £1000 loan, £100 cheaper than a Provident 32 week loan.

These loans are already available in Brighton, Hove, Peacehaven, Newhaven and Crawley.

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Welcome to HCF

Home Credit Finance are a friendly responsible lender offering small cash loans to customers who may or may not have difficulties obtaining credit.

We provide straightforward, simple loans and we discuss the clients circumstances with them face-to-face before we make a decision on how much we can lend.

We look at each person individually, there is no "computer says no!", we are more interested in the clients ability to repay the loan than there past credit history.

Unlike Payday and some other lenders we do not charge upfront, admin,or late fees, the amount you are quoted for your loan at the outset is the amount you pay.

We believe in a straightforward approach to loans. Our small, unsecured loans have fixed weekly repayments so that the cost of the loan is spread over an agreed time period.

We supply loans for any purpose – 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. 

You do not need a bank account however we will need to understand your financial circumstances.This will include your income and outgoings as well as how much you need to borrow and over how long.

You will need to provide us with evidence of your income, such as a bank or post office account statement, proof of your address – for example, a tenancy agreement or a utility bill and proof of identity such as passport or driving licence.

 

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