About Home Credit LTD
We take a more personal, human approach to lending.
At Home Credit Ltd, every application is reviewed by a real person who takes the time to understand your situation and not your credit score.
We believe borrowing should be clear, fair, and built around real life — not just a number.
✔ No impact on your credit score
✔ Takes just a few minutes
✔ No pressure or obligation
Contact Us
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
Why We Started
Home Credit Ltd was built to bring a more human approach to lending.
Too many people are treated like numbers — approved or declined by systems that don’t understand real life.
We do things differently.
Every application is reviewed by a real person who takes the time to understand your situation — not just your credit score.
We believe borrowing should be clear, fair, and manageable — not confusing or pressured.
Why Customers 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 only lend what’s manageable
We look at your real situation — not just a number — to make sure repayments are affordable.
No rollovers. No debt traps.
Clear terms from the start — no extensions designed to keep you paying longer.
One loan. Kept simple.
We only allow one active loan — helping you stay in control.
Fully FCA regulated
We follow strict rules to ensure fair and responsible lending.
Payments that fit your week
Simple weekly repayments designed to be clear and manageable.
Real people. Real support.
Speak to someone who understands — not a bot or call centre.
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.