We only lend what's manageable
We look at your real situation, not just a number.
About us
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.
At Home Credit Ltd, 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 built around real life.
Why we started
Built to put the person first
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 believe borrowing should be clear, fair and manageable — not confusing or pressured.
That belief shapes everything we do: who we lend to, how we assess affordability, and how we treat customers whose circumstances change.
What we offer
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.
Why customers choose us
Six reasons people come back to us
No rollovers, no debt traps
Clear terms from the start, with no extensions designed to keep you paying longer.
One loan, kept simple
We only allow one active loan, helping you stay in control.
Authorised and regulated by the FCA
We follow the Financial Conduct Authority's rules on 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 a call centre.
Who we are, formally
Home Credit Ltd is registered in England & Wales (company number 04111270) with its registered office at The Annex, The Manor House, Over Compton, Sherborne, Dorset, England, DT9 4QU. We are authorised and regulated by the Financial Conduct Authority, firm reference number 658845. You can verify our status on the FCA Financial Services Register.
Our commitment to you
If life gets harder, tell us
If you are experiencing financial difficulty, or feel you may be vulnerable, please tell us. We will take extra care to understand your situation and provide appropriate support. You can read more on our support and vulnerability page, and you can always raise a concern through our complaints process.
Check if you qualify in a few minutes
No pressure. No obligation. Just a clear, human decision about whether we can help.