Reviewed by a real person
A trained member of our team assesses every application individually — never an automated score alone.
Authorised & regulated by the FCA
Real people. Fair decisions. Loans built around real life.
Apply online in minutes. Every application is reviewed by a real person — not a computer. If we can help, your local agent visits you at home to go through everything. No pressure, no obligation.
- No impact on your credit score to check
- Decision from a real person
- Weekly payments collected at your home
See the full cost — no surprises
- Weekly repayment
- £13.60
- Number of repayments
- 25
- Rate of interest (fixed)
- 238.19% p.a.
- Total amount repayable
- £340.00
Representative example: Borrow £200 over 25 weeks. 25 weekly repayments of £13.60. Rate of interest 238.19% per annum (fixed). Representative 926% APR. Total amount repayable £340. Figures above are an illustration based on this example — your rate may differ based on your circumstances, and everything is confirmed with you before you agree.
Why customers trust us
We understand real life — not just a credit score
Not everyone fits a perfect credit profile. That is why every application is read and decided by a person who takes the time to understand your situation.
Only what's affordable
We look at your income, your regular outgoings and your wider situation to make sure repayments are manageable.
Clear from the start
No hidden surprises. You will always know exactly what you owe, and when, before anything is agreed.
Support when things change
If your circumstances change, our team is trained to work with you and find a fair way forward.
No rollovers, no debt traps
Clear terms with no extensions designed to keep you paying longer. One active loan at a time, kept simple.
Authorised and regulated by the FCA
We're authorised and regulated by the Financial Conduct Authority, and we follow its rules on fair, responsible and transparent lending.
How it works
Three simple steps
Apply online
It takes just a few minutes to apply. Tell us a little about yourself and what you need.
We review your application
A real person reviews your situation and affordability — not a computer making a snap decision.
Get a clear decision
If approved, we explain everything clearly before anything is agreed. No pressure, no obligation.
How we assess your application
We only lend when it's right for you
We look at your income, your regular outgoings and your overall situation to make sure any loan is genuinely affordable. We may carry out a credit check and ask for additional information where needed.
Our goal is simple: responsible, structured, home-collected credit designed to help you manage short-term borrowing clearly and confidently.
- We only lend what's manageable — your real situation, not just a number.
- One loan, kept simple — we only allow one active loan, helping you stay in control.
- Payments that fit your week — simple weekly repayments, clear and manageable.
If we can't help directly
Not eligible? You may still have options
If we are unable to offer you a loan, it does not always mean you are out of options. We work with a small number of trusted, FCA-authorised credit brokers who may be able to help, depending on your circumstances.
How our referrals work — and what you should know
If we introduce you to one of our partners, they are regulated credit brokers, not lenders. You are never under any obligation to proceed, and checking your options will not affect your credit score.
Home Credit Ltd may receive a fee or commission for introducing you to a partner. We will always tell you when an introduction is being made. We only work with partners who share our commitment to responsible lending.
Check if you qualify in a few minutes
No pressure. No obligation. Just a clear, human decision about whether we can help.