Welcome to HCF

Home Credit Finance are a friendly responsible lender offering small cash loans to customers who may or may not have difficulties obtaining credit.

We provide straightforward, simple loans and we discuss the clients circumstances with them face-to-face before we make a decision on how much we can lend.

We look at each person individually, there is no "computer says no!", we are more interested in the clients ability to repay the loan than there past credit history.

Unlike Payday and some other lenders we do not charge upfront, admin,or late fees, the amount you are quoted for your loan at the outset is the amount you pay.

We believe in a straightforward approach to loans. Our small, unsecured loans have fixed weekly repayments so that the cost of the loan is spread over an agreed time period.

We supply loans for any purpose – school uniforms, furniture, a new washing machine or cooker. Being unemployed and on benefits won’t affect your ability to get a loan – we count benefits as income. 

You do not need a bank account however we will need to understand your financial circumstances.This will include your income and outgoings as well as how much you need to borrow and over how long.

You will need to provide us with evidence of your income, such as a bank or post office account statement, proof of your address – for example, a tenancy agreement or a utility bill and proof of identity such as passport or driving licence.


HCF Bonus Loans