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How it Works

Are you finding it impossible to get a loan you can afford to pay back?

If you can’t get credit from high street banks and are having to make costly repayments to Payday lenders, there is another choice open to you and you don't need access to a bank account.

 Home Credit Finance offer a service of weekly collected loans, sometimes referred to as doorstep loans or home collected credit loans.

One of our agents will make an appointment to come and see you at home to discuss the loans face to face and to go through your personal circumstances.

 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.

Once you are accepted we offer unsecured, fixed sum, fixed term cash loans to successful applicants. This means that the amount you borrow from us, the length of the loan and the amount we will charge is fixed at the time you take out the loan. The loans are not secured against any assets, such as your home or car etc.

Our friendly local agents will call round to your home to collect the weekly repayments at a time that suits you. 

Our cash loans range from £100 to £1000 over two different timescales, 14 and 37 weeks and if you miss a payment with us, we don't increase the cost of your loan- there are no hidden charges.

 

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 our 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 4 weekly rebate/bonus system we use.

Therefore the client would be paying back £225 rather than £277.50 due to the rebate of £52.50 received due to maintaining regular payments.

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.

We are here to 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, and as your payment history with us grows so will the amount that you can borrow from us.

Our local friendly agents only get commission on collections not on signing up new customers, they will come from the same community as you, some will have been loan customers themselves so they now how you feel and will listen to your circumstances.

When deciding whether to take out a loan, you should consider whether or not it meets your needs and should know that excessive debt can lead to severe financial hardship.

Please feel free to contact us with any questions you might have via our contact page.

When deciding whether to take out a loan, you should consider whether or not it meets your needs and should know that excessive debt can lead to severe financial hardship.

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