Real People, Fair Decisions, Loans Designed Around Real Life.
Apply online in minutes. Every application is reviewed individually by a real person — not a computer. No pressure. Just Fair, Responsible lending. AUTHORISED AND REGULATED BY THE FCA
WHY OUR CUSTOMERS TRUST US ?
We understand real life.
Not everyone fits a perfect credit score. That’s why every application is reviewed by a real person who understands your situation.
Clear and simple from the start
No hidden surprises. You’ll always know what you owe and when.
Support when you need it
If things change, our team are trained to work with you. We treat every customer with respect and aim to find a fairway forward.
Representative Example
£200 loan repayable over 25 weeks.
25 weekly payments of £13.60.
Total amount repayable £340.
Rate of interest 238.19% per annum (fixed).
Representative 926% APR.
Warning: Late repayment can cause you serious money problems.
For help, go to moneyhelper.org.uk
HOW IT WORKS IN THREE EASY STEPS
1.Apply online
it takes just a few minutes to apply
2. We review your application
A real person reviews your situation – and not a computer
3.Get a decision
if approved, well explain everything clearly before anything is agreed
No PRESSURE NO OBLIGATION
HOW WE ASSESS YOUR APPLICATION?
We look at your income, your regular outgoings, and your overall situation to make sure any loan is affordable for you.
We may carry out a credit check and ask for additional information where needed.
Our goal is simple — we only lend when it’s right for you.
Ready to get started ?
Check if you qualify in a few minutes – no pressure, no ob
Not eligible? We may still be able to help
If we’re unable to offer you a loan, it doesn’t always mean you’re out of options.
We work with a small number of trusted partners who may be able to help, depending on your circumstances.
You can check your options in minutes — with no impact on your credit score.
Need to talk?
We are here to help
If you have any questions or would prefer to speak to someone, our team is here to help.
📧 [email protected]
📧 [email protected]
📞 07415 741133
No pressure. No obligation. Just helpful advice
Lines open 9am – 5pm Monday to Friday.
Contact Us
Home Credit Ltd is authorised and regulated by the Financial Conduct Authority (FRN 658845).
We are a responsible lender and only provide credit where we believe it is affordable and sustainable.
If you are experiencing financial difficulty or feel you may be vulnerable, please contact us — we will take extra care to understand your situation and provide appropriate support.
Late repayment can cause you serious money problems. For free and independent debt advice, visit moneyhelper.org.uk