About Us
We specialise in affordable lending and flexible repayments
The Service
We pride ourselves on providing an honest and personal service and have been for over 30 years. With our home credit loans, we can provide a more personal service which many customers may not get with other lenders. You’ll be supported throughout the application process and your repayment period.
Our business is built upon the relationships our team develop with our customers.
Lending unlike any other
Our home credit loans are a form of personal loan that can be more convenient for people who may not have easy access to a bank or those who prefer a more personal approach to finance.
After receiving a decision in principle using our Loan Enquiry Form, a member of our team will call you to complete the application with you over the telephone.
Our range of repayment terms means your payments can be made on a weekly, fortnightly, or monthly basis. This is usually based on the frequency of your income.
Responsible Lending
We undertake affordability checks throughout the application process to ensure the amount you borrow is within your means.
We offer a friendly and personal service that helps us to get to know our customers. This allows us to lend responsibly, helping customers avoid taking on debt that they can’t afford, which can lead to financial stress and hardship.
Every application is dealt with on an individual basis and we will consider people who have had a bad credit history.
So why choose us?
No hidden fees or charges
We don’t charge for missed or late payments or defaulted card payments. You will only ever pay back what is agreed upon when completing your loan agreement.
Our loans work around you
We're with you every step of the way and we can work around you. Our team are on hand every day and throughout the duration of your loan agreement.
No misleading paperwork
We are completely transparent. Neither us or you will benefit from confusing paperwork and so the application and loan agreement that you complete is simple and straightforward. We use clear and concise language and what you see is what you will get.
We start small
We know that sometimes a little can go a long way in helping our customers. Our loans range from £100 to £1000 and for new customers, up to £300. The amount you can borrow will depend on your personal and financial circumstances. We complete affordability checks for every customer so you don’t borrow more than you can afford.