NO CREDIT CHECK GOLD MASTERCARD
A Credit Card to help you build or improve your Credit Rating, plus cash back paid on purchases when using our retail partners. Perfect for Xmas shopping or saving for little ones birthdays or budgeting for holidays.
One Simple Application
One easy online form - just fill out a few details, this card is open to all no matter you're credit history as there are no credit checks. Bank anywhere - online at home or out and about using the free App, see at a glance what’s come in and gone out of your account and keep up to date with your bonus rewards. Handy balance notifications sent to your device, add cards to your account to share funds with family and friends. No overdraft, so no accidental over-spending or excessive fees for unauthorised overdraft fees.
Want a secure way to save and earn Cashback on everyday items such as grocery shopping?
The Cashplus prepaid Gold MasterCard®, is the only card you’ll ever need, the prepaid card is a safe way to shop online or in stores worldwide, in fact, wherever you see the MasterCard® Acceptance Mark. Our prepaid MasterCard® card comes with free Purchase Protection, and an award winning Creditbuilder facility, which could help improve your credit rating at no extra cost. Often referred to as prepaid credit cards, prepaid cards offer an easy way to budget and are a great alternative to a bank account or credit card
If you’re already buying something, why not earn Cashback when you do it!
Once you have your Cashplus prepaid Gold MasterCard® card be sure to register to get Cashback. From everyday shopping like groceries and DVDs to the bigger purchases like a TV or a holiday, the Cashplus card will help you get a nice bonus on everything you purchase via our Cashback site. Watch your Cashback rewards mount up – the money saved will be put directly into your Cashplus card’s account, ready for you to use.
Earn up to 27% Cashback on most things you buy online
- Great deals on everything from groceries and DVDs to holidays
- Thousands of products to choose from
- 100’s of brand name retailers, from TESCO to PC World
Register your new Cashplus card for free and you’ll get money back on everything you buy via the exclusive Cashplus Cashback site. You’ll find 100’s of brand name retailers offering great deals on everything from groceries to TVs and insurance.
You’re bound to find whatever you’re looking for, so grab a bargain Cashback offer with your Cashplus card.
Watch your Cashback Rewards mount up – we’ll put the money saved directly into your Cashplus card’s account, ready for you to use. We’ll text you when we load your Cashback. Why not get your card and start saving?
Just an Easy Online 3 Minute Application
To open up a Cash Back reward system where you’ll find 100’s of brand name retailers offering great deals on everything from groceries to TVs and insurance, listed below are just a few of the hundreds of companies offering cash back rewards when you use your card!
There are retailers in the scheme covering all of these categories:
Books –Broadband - CDs & DVDs - Clothes & Fashion - Computing Dating – Electrical – Entertainment - Flights Flowers - Food & Drink – Gadgets – Gambling – Gifts - Health & Beauty - Holidays & Travel - Home & Garden Insurance – Jewellery – Lingerie - Mobile Phones - Mother & Baby – Motoring - Sports & Fitness - Toys & Games Utilities - & Others
Here are just some of the High Street names;
The full list of retailers offering Cashback is;
A1Gifts.co.uk Activity Superstore Affordable Supplements Afternoon Tea for Two Airparks Airparks All Outdoor allbeauty.com Alton Towers Ambrose Wilson Angels Fancy Dress ao.com Appleyard Flowers Apricot Arena Flowers Argento Art.co.uk Aspire Private Sale Atlantis The Palm, Dubai Attitude Clothing AVG Aviva
B & Q Babys Mart Baker Ross Bakker Spalding BCR Associates Beauty Expert Bhs Big Bathroom Shop Blacks Bonmarche Bookable Holidays.com Boots.com BrandAlley Brantano British Corner Shop Brook Taverner BSI BT Business BT Business Direct BT Shop Budget Batteries Budget Family Breaks Building Supplies Online Burton Business It Online Butlins Butlins Limited Butlins Music Weekends Butonz.com Buyagift.co.uk Buyhair.co.uk BuyMobiles.net
Cadbury Gifts Direct Calor Campbells Campbellsmeat Car Loan 4U Cartridge Monkey Cartridge People Cartridge People.com CartridgeMonkey Cashplus Prepaid Card Cast In Style Chain Reaction Cycles Chapel Interiors Wilmslow Chargrilled Cheap Suites Chemist Direct Chemist Direct Chessington Holidays Chocolate Trading Company Choice Stationary Supplies Christies Direct Claire's Clare Florist Clarks Classic Football Shirts Limited Clear Chemist Click Fragrance Co-op Electrical Shop Coast Coast and Country Cottages Columbus Direct Confused.com Cottage Stay UK Crew Clothing Cricket Direct Crocs Cross Cruise Culture Vulture Currys Currys
Dabs.com Daisy Baby Shop Daisy Street Darlings of Chelsea Debenhams Flowers Deciem Denby Retail Ltd Design 55 Online Direct Stoves Discount Theatre Do Something Different Dorothy Perkins DoSomethingDifferent.com Dreams DrinkSupermarket.com Dunelm DVD Gold
E-Lites - Electronic Cigarettes Easy Roommate easyJet Holidays Ebuyer eCar Insurance Electrical Experience Electricshopping.com Elite Titles Elvi Email Flights Endsleigh English Heritage - Shop ESE Direct ESE Direct ETA Euro Car Parts Euroffice Euroffice Evans Clothing Eve Mattress EVOLUTION SLIMMING Evolutions Organics Expedia Expedia Expedia UK Experian Experian (B2B)-UK Experience Mad Expert Verdict
F1 Autocentres Fashion Eye Wear Fashion World Fastlane International Feather & Black Fifty Plus Fineflora Fitbug Ltd FloridaTix Flowercard Flowers Direct Flying Flowers Fonehouse Footasylum FORZA Supplements From Vineyards Direct Furniture Today Fy
G Adventures Gadget Cover Galaxy Perfume GANT Garden Trading GB Posters GhostBikes.com GlassesCo.co.uk Golfonline Goodwin Smith GorgeousCouture.Com Great Plains Green People
Hamleys Hargroves Cycles Hawes & Curtis Hawkin's Bazaar Hawkshead Heathcote & Ivory Heathrow High Street TV Hilton Hilton Hotels Hobbycraft Homecrafts.co.uk Homescapes Hotel Exclusives Hotel Exclusives Hotel Stay Uk Hotels.com House of Fraser House Of Watches Hurley
Iceland iflorist ihampers In Stock Appliances Limited Ink Factory Interflora InterRose iView Cameras Iwantoneofthose.com
Jabra Jacamo James Villa Holidays JD Sports JD Williams Jersey Plants Direct Jet2Holidays John Greed Jewellery Jones Bootmaker.com Joules Julipa
Kiddicare Kiddies Kingdom Kinetica Sports
La Redoute lastminute.com Late Rooms LateRooms.com Leaderstores LED Connection LEGOLAND Holidays Lenovo Lights 4 Living Links of London London Theatre Direct London Theatre Direct Lonely Planet Publications Lovell Rugby Limited Lovell Soccer Lowcostholidays
MandMDirect.com Maplin Maplin Electronics Ltd Marisota Matalan Direct Mattress Man Media Devil Merlin Cycles Microsoft Mildred Jones Millet Sports Millets Mini in the Box Miss Selfridge Mobile Fun Mobiles.co.uk Museum Selection Music Magpie Musto.com My M&M's
Namesco Limited National Trust National Trust Memberships Neals Yard Remedies Netgiant Norfolk County Cottages
Oakworthfurniture.co.uk Office Stationery Office Stationery.co.uk officeking.com Ordnance Survey
Parcel Force Parcelforce Worldwide Park Grand London Hotels Park Resorts Pauls Boutique PC World PC World PC World Business PC World Business Peacocks Pebble Grey Pedalsure Pen Shop Pet and Country Petaurum Solutions PhysioRoom.com Ltd Pitney Bowes Planet Numbers Plus Net Business Podium4SportLimited Pontins Post Office Travel Money Post-a-Rose Preloved UK Premier Inn Premier Inn Premier Man Presents for Men Printed.com PrinterInks PrinterInks Printerpix ProBikeKit Protein Lifestyle Proviz
Racing Green Reader's Digest Red Letter Days Ribble Cycles RingCentral Ripleys London ROK Electronic Cigarettes Royal Doulton Royal Horticultural Society Ryman
SalonSkincare Savapoint Savile Row Company Ltd Scotts Secret Escapes Secret Sales Select Fashion shop4world.com Shot Dead In The Head Simply Be Simply Home Entertainment Simply Supplements Skatehut Skechers - UK Skypark SmartBuyGlasses Snapfish Snapfish.co.uk Spa Finder Spa Seekers Spabreaks.com SpaBreaks.com Spafinder Wellness 365 Stuarts London Suffolk Secrets Superbreak Superdrug Superdry UK Sweatband.com Swim Shop
Tassimo The Brilliant Gift Shop The Co-operative Energy The Entertainer The Gourmet Society The Hut The Office Supplies Supermarket.com The Present Finder The Property Insurer The Watch Hut Theatre Tickets Direct theofficesuppliessupermarket.com Thomas Pink Thorntons TJ Hughes TK Maxx TM Lewin Toffs Ltd TomTom Toner Giant Tooled Up Topman toucanBox Transpennine Express Travelzoo Treatwell (UK) Trendy Golf TripAdvisor Trunki Tuccistore Twinings Teashop
UK Office Direct Limited UKHost4u UKSoccershop.com Under Armour Urban Surfer USN (UK) Limited Utility Warehouse
Vanmildert View from the Shard Virgin Experience Days Virgin Experience Days Virgin Trains Vision Direct
Waitrose Waitrose Flowers and Gifts Waitrose Garden Wallis Warner Leisure Hotels Wax Lyrical Weird Fish Wheelies Whittard of Chelsea Wickes Wiggle Online Cycle Shop
Yellow Moon YouGarden.com
Zavvi Zipvit
OTHER
2-FORE!-1 365games.co.uk 7 Day Shop.com
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Deciding on whether or not to get a new car can be a huge decision to make especially when you on a tight budget. You might be saving up for something special but what do you do when you have a growing family or a problematic car that takes up more of your money and time. When deciding on the type of car we should get for ourselves or the family, we sometimes get carried away about wanting to drive the nicest and luxurious car forgetting that our tight budget limits us from doing so.
We should always remember to live and spend within our budget to prevent any financial crises. It will be in your own interest to sit down with a calculator and add up how much a new car will cost bearing in mind the cost of insurance, fuel, servicing and payment of contract. It will be a good idea to spend a bit of your time to research on the internet or even ask friends and family about the best car deals in town.
As we all know fuel and road tax are what make cars expensive to run so as a buyer it is important to consider these factors after considering how much you are willing to spend on a new car. When it comes to road tax the higher a car’s CO2 emissions are, the more it’ll cost you in the first year of road tax. As for fuel, cars with diesel engines are more costly than cars with petrol engines however diesel engines are more economical to run than petrol engines. It is up to you whether you are willing to spend more on a diesel engine car and save later or save on a petrol engine car and spend more later.
The cost of servicing the car is another factor to consider when buying a new car; we are often tempted to go to independent garages to service our cars since they save us money. According to car experts it is always advisable to service your car at franchised garages since they know more about your car and how to service it properly however if you decide on an independent garage, make sure they service your car in line with the manufacturers recommendation, rules and regulations.
Looking for a better insurance for your car can be very costly so do not forget to do your research about how much insurance the car you are about to buy will cost. It is always a good idea to check a price comparison site to look for the best deal.
As money is very hard to come by these days, it is never a bad idea to buy a second hand car which is in good condition but we should not be tempted to buy a nice looking second car which will be expensive to run.
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About Us
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 like to feel that we are flexible so if your circumstances change and you miss a payment with us, we don't increase the cost of your loan- there are no hidden charges.
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.
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 £1000 over two different timescales, 14, and 37 weeks with the added incentive of a Bonus for every four weeks paid on time, therefor you can reduce the cost of your loan by 7 weeks by making regular payments. Otherwise the loan is fixed, If you miss a payment with us, we don't increase the cost of your loan- there are no hidden charges.
There is also some flexibility about how you can borrow from us, as well as Cash Loans, we also offer Shopping Vouchers and prepaid credit cards that are ideal for online shopping or budgeting.
Please feel free to contact us.
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WEEKLY LOANS AND REPAYMENT OPTIONS
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!!!
Our loans are tailored to reward regular payments from our clients and this is clearly shown in the loan table guide.
Typical example: £150 loan taken at 37 weeks. The weekly payments agreed upon are £7.50 for 37 weeks.
However if the customer paid the agreed amount on time every week the loan would be then repaid over 30 weeks due to the 7 weekly Rebate/Bonus system we use.
Our loans are transparent and there are no hidden fee’s or charges.
|
Loan Amount |
LoanTerm (Weeks) |
Weekly Payment |
Total Amount Paid |
Interest Charged |
Rep APR%
|
Loan Term after Rebate |
Total Amount Paid |
Interest Charged |
Rep APR% |
|
£150 |
37 |
£7.50 |
£277.50 |
85% |
559.2% |
30 |
£225.00 |
50% |
330% |
|
£200 |
37 |
£10.00 |
£370.00 |
85% |
559.2% |
30 |
£300.00 |
50% |
330% |
|
£250 |
37 |
£12.50 |
£462.50 |
85% |
559.2% |
30 |
£375.00 |
50% |
330% |
|
£300 |
37 |
£15.00 |
£555.00 |
85% |
559.2% |
30 |
£450.00 |
50% |
330% |
|
£350 |
37 |
£17.50 |
£647.50 |
85% |
559.2% |
30 |
£525.00 |
50% |
330% |
|
£400 |
37 |
£20.00 |
£740.00 |
85% |
559.2% |
30 |
£600.00 |
50% |
330% |
|
£450 |
37 |
£22.50 |
£832.50 |
85% |
559.2% |
30 |
£675.00 |
50% |
330% |
|
£500 |
37 |
£25.00 |
£925.00 |
85% |
559.2% |
30 |
£750.00 |
50% |
330% |
|
£550 |
37 |
£27.50 |
£1077.50 |
85% |
559.2% |
30 |
£825.00 |
50% |
330% |
|
£600 |
37 |
£30.00 |
£1110.00 |
85% |
559.2% |
30 |
£900.00 |
50% |
330% |
|
£650 |
37 |
£32.50 |
£1202.50 |
85% |
559.2% |
30 |
£975.00 |
50% |
330% |
|
£700 |
37 |
£35.00 |
£1295.00 |
85% |
559.2% |
30 |
£1050.00 |
50% |
330% |
|
£750 |
37 |
£37.50 |
£1387.50 |
85% |
559.2% |
30 |
£1125.00 |
50% |
330% |
|
£800 |
37 |
£40.00 |
£1480.00 |
85% |
559.2% |
30 |
£1200.00 |
50% |
330% |
|
£850 |
37 |
£42.50 |
£1572.50 |
85% |
559.2% |
30 |
£1275.00 |
50% |
330% |
|
£900 |
37 |
£45.00 |
£1665.00 |
85% |
559.2% |
30 |
£1350.00 |
50% |
330% |
|
£950 |
37 |
£47.50 |
£1757.50 |
85% |
559.2% |
30 |
£1425.00 |
50% |
330% |
|
£1000 |
37 |
£50.00 |
£1850.00 |
85% |
559.2% |
30 |
£1500.00 |
50% |
330% |
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Loan Requirements
To apply for a Home Credit Finance loan
You must be:
- Over 18
- A UK resident for 12 months+
- With a minimum monthly income of £400 from benefits or salary (or both) or self-employment
Be able to provide:
- Proof of identity; passport or driving licence
- Proof of income; payslips, bank statements or benefit letters
- Proof of residency; tenancy agreement, council tax bill etc.
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 will look at your financial circumstances now rather than your past and provide the opportunity for you to build your own credit history with us.
We will also try to help and lend to you if;
- You’ve been turned down before
- You have recently moved to the country
- You are unemployed
- You have had CCJs in the past
As responsible lenders, we unfortunately will not be able to lend to you if:
- You cannot afford the repayments of a loan
- You are currently in Debt Management
- You are bankrupt or have an IVA