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.