Loan Requirements
To apply for a Home Credit Finance loan
You must be:
- Over 18
- A UK resident for 12 months+
- With a minimum monthly income of £400 from benefits or salary (or both) or self-employment
Be able to provide:
- Proof of identity; passport or driving licence
- Proof of income; payslips, bank statements or benefit letters
- Proof of residency; tenancy agreement, council tax bill etc.
How much can I borrow:
The amount you can borrow is determined by your own personal circumstances and not by your previous credit history, we will look at your financial circumstances now rather than your past and provide the opportunity for you to build your own credit history with us.
We will also try to help and lend to you if;
- You’ve been turned down before
- You have recently moved to the country
- You are unemployed
- You have had CCJs in the past
As responsible lenders, we unfortunately will not be able to lend to you if:
- You cannot afford the repayments of a loan
- You are currently in Debt Management
- You are bankrupt or have an IVA