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Fair, Transparent Home Credit — Reviewed by Real People.

Apply online in minutes. Every application assessed by a real person – not a computer.  No rollovers. No pressure. Just responsible lending.

Check If You Qualify

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Representative Loan Example : £200 loan repayable over 25 weeks. 25 Weekly payments of £13.60. Total amount of credit  £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?

Apply online in just a few minutes.

We review every application personally and assess affordability properly — no automated instant decisions.

If approved, your local agent will contact you to complete the process.

 

HOW IT WORKS?

 

Apply online in just a few minutes.

We review every application personally and check affordability properly — no automated instant decisions.

If approved, your local agent will contact you to complete the process.

HOW WE ASSESS YOUR APPLICATION?

 

We look at 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 to verify information.

Our goal is simple: only lend when it is affordable and sustainable.

Why Customers Choose Home Credit Ltd

Local lending. Clear terms. Real people. Responsible decisions

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Clear, Simple Agreements

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Your Information Is Protected

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Local Agents Trained to Help

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Transparent Rates And payments

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Responsible Lending Decisions

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FCA Regulated

Ready To Check If You Qualify

Apply online in just a few minutes.

Check If You Qualify

Need To Talk? We Are Here To Help

If you have any queries about how our lending process is managed, feel free to contact us via the form or by calling 07415741133

Contact Us

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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 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