Fair, Simple Loans Reviewed by Real People
Apply online in minutes. Every application is reviewed individually by a real underwriter — never automated. No rollovers. No pressure. Just Fair, Responsible lending.
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
WHY CHOOSE US ?
We provide responsible, structured home-collected credit designed to help customers manage short-term borrowing clearly and confidently.
Every application is assessed individually to ensure affordability and suitability — we do not offer instant automated approvals or loan rollovers.
HOW IT WORKS?
Apply online in just a few minutes.
Every application is reviewed personally and assessed for affordability — no automated instant decisions.
If approved, your local agent will contact you to complete the process and agree a clear repayment plan.
HOW WE ASSESS YOUR APPLICATION?
We review your income, regular household costs and current commitments to make sure repayments are manageable.
We may carry out a credit search and request open banking access to verify information.
Our goal is simple: we only lend when it is affordable and sustainable.
Why Customers Choose Home Credit Ltd
Local lending. Clear terms. Real people. Responsible decisions
Clear, Simple Agreements
Your Information Is Protected
Local Agents Trained to Help
Transparent Rates And payments
Responsible Lending Decisions
FCA Regulated
Ready To Check If You Qualify
Apply online in just a few minutes.
Need To Talk? We Are Here To Help
If you have any queries about your loan or lending process, please contact us:
📧 [email protected]
📧 [email protected]
📞 07415 741133
Lines open 9am – 5pm Monday to Friday.
Contact Us
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.
We are a responsible lender and only provide credit where we believe it is affordable and sustainable.
If you are experiencing financial difficulty or consider yourself a vulnerable customer, please contact us. We will always take extra care to understand your circumstances and provide appropriate support.
Late repayment can cause you serious money problems. For free and independent debt advice, visit www.moneyhelper.org.uk
Company Number: 04111270
Registered in England & Wales
Registered Office: The Manor House, Over Compton, Sherborne, Dorset, DT9 4QU, United Kingdom
Authorised and Regulated by the Financial Conduct Authority. Firm Reference Number: 688545
© 2026 Home Credit Ltd. All Rights Reserved.
Company Number: 04111270.
Registered Office: The Annex, The Manor House, Over Compton, Sherborne, Dorset, England, DT9 4QU.