- Cash loans up to £1000
- Repay over 13 – 52 wks
- Fixed weekly payments
- Friendly “at home” service
- No bank account needed
- Multiple lenders
What is a Home Credit Loan?
Home credit loans (often known as “doorstep loans“) are a form of cash credit that has existed in the UK since the early 1900s. But this doesn’t mean that the service you get is “old-fashioned”. Far from it. Our chosen partners take pride in making sure you get a truly personal service. Like many other types of loan, you can apply online to ensure your application is dealt with quickly.
Home Credit means:
- Small cash loans of £100 to £1000 for new customers (and up to £2500 for existing customers)
- No bank account is required
- Loans are arranged and managed on face to face basis at your home
- Repayments are fixed weekly amounts collected by your agent
- No hidden costs or charges – even if you miss a payment or two
Who might want to use Home Credit?
If you have a modest income and sometimes you find you need that little bit extra to see you through until your next paycheck or social payment then you might want to consider using home credit. Applying for home credit is straightforward.
We work with the UK’s largest home credit companies. There are other local and regional lenders but we have chosen to work with these companies because of their high levels of customer service, competitive rates and strong brand reputation. In other words, we trust them.
Benefits of a Home Credit Cash Loan
You don’t need:
- a bank account
- perfect credit (although you can’t have been bankrupt in the last 6 years)
- to own your home
- a guarantor
As with all types of loans, you will need to demonstrate that you can afford the repayments. The agent who visits you after you have applied will run through your income and outgoings to ensure that making repayments will not put you under any undue financial stress.
Consider Home Credit, not a Payday Loan
If you have used or have been tempted to use a payday loan to satisfy a need for a small cash sum (perhaps to meet an emergency need or a blip in your budgeting) then you’ll probably be pleasantly surprised by the convenience and cost of home credit as an alternative.
More about Home Credit Agents & Team Members
Home credit is a face to face business with agents/team members (mostly women) making weekly visits to collect payments from borrowers. This personal approach has many advantages over the faceless methods used by providers of other types of loans. It means you are dealing with someone who is more likely to understand your personal situation and who can make decisions there and then on your behalf, something that would be impossible if you dealt with a call centre operator.
Often the agent/team member lives in your community and it is not uncommon for them to have been a user of home credit themselves before becoming an agent/team member.
Doorstep Loans Guide
If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.
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