Privacy policy

Last updated: June 2026

We are committed to protecting your privacy and being transparent about how we use your personal data. We process personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

1. Who we are (the data controller)

Home Credit Ltd is the data controller responsible for your personal data.

• Registered office: The Annex, The Manor House, Over Compton, Sherborne, Dorset, England, DT9 4QU
• Company number: 04111270 (registered in England & Wales)
• FCA firm reference number: 658845
• ICO registration number: Z7620737
• Data protection contact: dpo@homecredit-ltd.co.uk

2. The personal data we collect

Depending on your relationship with us, we may collect:

• Identity & contact data — name, date of birth, address, email, phone number.
• Financial data — income, outgoings, bank details, employment, and affordability information.
• Application & account data — your loan application, agreement, payment history, statements and account notes.
• Credit data — information from credit reference agencies and fraud-prevention agencies.
• Communications — records of contact with us, including calls (not all calls are recorded).
• Technical data — information collected when you use our website.

2a. Cookies and similar technologies

Essential storage. When you tell us your cookie choice, we store that choice on your device so we do not have to ask you again on every page. This is strictly necessary to provide the service you have asked for, so it does not require your consent.

Analytics — only with your permission. With your consent, we use analytics cookies to understand how visitors use our website so that we can improve it. These are only set if you choose “Accept analytics”. If you choose “Reject analytics”, no analytics cookies are set and no analytics data is collected.

We do not use advertising or tracking cookies, and we do not sell or share analytics data with advertisers.

Changing your mind. You can change your choice at any time using the “Cookie settings” link in the footer of any page. You can also block or delete cookies through your browser settings — see the ICO's guidance on cookies. Blocking essential storage may mean you are asked for your cookie choice on every visit.

3. How and why we use your data (lawful bases)

3a. Marketing communications

If you agree to it, we may contact you by email, text message or phone about our products and services.

We will only send you electronic marketing where you have consented, or where you are an existing customer and we are marketing similar products (sometimes called the "soft opt-in"). You gave us the choice to opt out when we collected your details, and every marketing message we send will include a simple way to opt out.

You can stop marketing at any time — click the unsubscribe link in any email, reply STOP to any text, or email us at dpo@homecredit-ltd.co.uk. Opting out of marketing will never affect your loan, your account, or the service you receive from us.

4. Credit reference and fraud-prevention agencies

To assess your application and manage your account, we may search and share information with credit reference agencies (CRAs) such as Experian, Equifax and TransUnion, and with fraud-prevention agencies. These searches may be recorded on your credit file and seen by other lenders. The CRAs provide their own privacy information (often called a Credit Reference Agency Information Notice, or CRAIN), which explains how they use your data.

5. Who we share your data with

• Credit reference and fraud-prevention agencies.
• Service providers who help us run our business (for example IT, payments and collections), under strict confidentiality terms.
• Trusted credit brokers, where you ask us to explore other options and we introduce you.
• Regulators, law enforcement and other authorities where we are required to by law.

6. Sending data outside the UK

We aim to keep your data within the UK. If any data is transferred outside the UK, we will make sure appropriate safeguards are in place, such as adequacy regulations or standard contractual clauses, as required by UK GDPR.

7. How long we keep your data

We keep your personal data only as long as necessary for the purposes we collected it, including to meet legal, regulatory, accounting and reporting requirements. In practice, we typically retain customer records for six years after your relationship with us ends, unless a longer period is required by law. You can ask us not to use your data to offer you other products at any time.

8. Your rights

Under UK GDPR you have the right to:

• Be informed about how we use your data (this notice).
• Access the personal data we hold about you (a subject access request — free of charge).
• Rectification — ask us to correct inaccurate or incomplete data.
• Erasure — ask us to delete your data in certain circumstances.
• Restriction — ask us to limit how we use your data.
• Data portability — receive your data in a portable format.
• Object — object to processing based on legitimate interests, or to direct marketing.
• Withdraw consent at any time, where we rely on consent.
• Rights relating to automated decision-making (see below).

To exercise any of these rights, contact dpo@homecredit-ltd.co.uk. We will respond without undue delay and within one month. There is normally no charge.

9. Automated decision-making

Every loan application at Home Credit Ltd is reviewed by a real person. While we may use automated tools to support checks (for example credit and fraud screening), we do not make decisions that have a legal or similarly significant effect on you based on automated processing alone. You have the right to ask for human involvement, express your point of view, and contest a decision.

10. Keeping your data secure

We have a duty to keep your personal data up to date, accurate and secure from misuse, accidental loss or damage. We use appropriate technical and organisational measures to protect it.

11. Complaints and the ICO

If you have a concern about how we handle your data, please contact our data protection contact first so we can put it right. You also have the right to complain to the Information Commissioner's Office (ICO):

12. Changes to this notice

We may update this privacy notice from time to time. We will post the updated version on this page and, where changes are material, we will tell you.