Terms & conditions

Last updated: June 2026

These terms tell you the rules for using our website, www.homecreditltd.co.uk. By using our site you accept these terms. If you do not accept them, please do not use the site.

Information about us

This site is operated by Home Credit Ltd ("we", "us", "our"). We are registered in England & Wales under company number 04111270, and our registered office is at The Annex, The Manor House, Over Compton, Sherborne, Dorset, England, DT9 4QU. We are authorised and regulated by the Financial Conduct Authority (FRN 658845).

Accessing our site

We may withdraw or amend our site without notice and will not be liable if it is unavailable at any time. You are responsible for keeping any login details confidential, and for ensuring anyone accessing the site through your connection complies with these terms. You may use our site only for lawful purposes.

Acceptable use

You agree not to use our site in any way that breaches any applicable law or regulation; that is unlawful or fraudulent; to harm or attempt to harm anyone, particularly minors; or to send unsolicited advertising (spam) or harmful code such as viruses. You must not attempt to gain unauthorised access to our site or any server connected to it.

Intellectual property

We own or license all intellectual property rights in our site and its content. You may print or download extracts for your own personal reference, but you must not use any part for commercial purposes without our permission.

Reliance on information

Content on our site is provided for general information and is not advice you should rely on. We disclaim liability for reliance placed on it. The representative example and product information are illustrative; your actual loan terms will be set out in your pre-contractual information and agreement.

Our liability

We do not exclude or limit our liability to you where it would be unlawful to do so — including liability for death or personal injury caused by our negligence, or for fraud. Otherwise, to the extent permitted by law, we exclude liability for indirect or consequential loss arising from use of our site. Nothing in these website terms affects your statutory rights as a consumer, or your rights under your loan agreement.

Complaints and the Financial Ombudsman Service

If you wish to complain, please see our complaints page. If you remain dissatisfied after our final response, you may refer your complaint free of charge to the Financial Ombudsman Service (financial-ombudsman.org.uk, 0800 023 4567), normally within six months of our final response.

Data protection

We process information about you in accordance with our privacy policy.

Governing law

These terms are governed by English law, and the courts of England and Wales have non-exclusive jurisdiction. We may revise these terms at any time by amending this page; please check it from time to time.