How do our loans work?

What is Home Credit?

Home credit is very different and simple compared to other forms of lending. It meets the specific, high service level requirements of those with modest incomes. Customers choose home credit because it offers access to small, affordable amounts of credit with a repayment method that is transparent, low risk, convenient and flexible.

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Our Application Process

  • Step 1

    Complete our Application form by applying for one of our loans on our Home Page.

  • Step 2

    Within a couple of hours during our opening times we will call you to obtain some additional information before your Local Finance Respresentative contacts you to arrange a home visit.

  • Step 3

    Your Finance Representative will check proof of address, income and expenditure for affordability before completing the loan agreement paperwork and paying you in cash.

All loans are subject to status.