How It Works

It’s common to have questions about our loan and payment processes, even if you have applied for loan finance before.

Your trust is very important to us, so to help you understand our process, we’ve answered some of our most frequently-asked questions below.

Customer FAQs

Home Credit is a friendly, face to face service that provides loans with manageable repayments. If accepted in principle, we’ll visit your home to discuss your loan requirements, complete an affordability assessment and if approved issue the money, and collect the weekly repayments from your home.

The maximum first loan amount of any new customer is £100. This is what we call a 'getting to know you' loan.

We have found through our many years of experience that this helps us establish a relationship of trust and whether our approach is working for you and for us. Once paid to terms we can increase the size of subsequent loans subject to affordability assessments. 

We prefer that you pay any existing loan off before applying for another. As a minimum requirement we require two thirds of any account to have been paid before we will discuss another loan. Lump sum reduction payments are not accepted prior in this situation.

APR stands for ‘Annual Percentage Rate’ – this shows how much money you would pay on a loan over the period of a year. Whether a loan is designed to be paid back over one week or three years, the APR must still be given.This explains why some APRs can look extremely high, if the loan is only over a short period of time. It is a legal requirement for all companies to display their APR on adverts and websites.

A photo ID is preferable, including passport, driving licence, college ID, work ID plus a utility bill, bank statement or benefits letter which is less than two months old with your name and address on.

We understand not every one has a photo ID so can accept any two of the following:

  • Bank statement
  • Utility bill
  • Tenancy agreement
  • Any letter detailing income or benefit with name and address on. 

If you are in any doubt simply contact us.

Contact us

We will accept a bank statement, wage slips, a benefits letter or any other official letter supporting your income.

An affordability assessment is a calculation listing all your income and subtracting all your outgoings. This gives us an overview  of your finances. The last thing we want to do is give you a loan that you can't afford the repayments on.

Yes. We use a company called Equifax to verify your ID and for information on how many credit companies you have applied to and whether you have any county court judgments.
For full written details of how your data may be used by Credit Reference Agencies please contact them using the details below:
Equifax Ltd
Customer Service Centre
PO Box 10036
Tel: 0333 321 4043 or 0800 014 2955

If your application is successful, your loan will be issued in person at your home by one of our agents, within seven days. Unfortunately, we can't offer same day finance.

If you change your mind and find the loan is no longer suitable for you or you just don't need it you can return the money within 14 days.

You will be entitled to a rebate on the interest so please speak to your agent or call the office.

Contact us

Please speak to your agent as soon as you can and detail what the problems are. We will assess the situation and will try to reduce your repayments so that you can afford them. We could also suspend payments for a short while to give you breathing space.

If you are really overwhelmed with your financial situation there are great, free and reputable agencies that can help you. We've compiled a list of resources for you - check out our Help with Debt section.

Get Help with Debt

No we never charge default interest, the total amount you pay is always the amount on the agreement at the start even if you have taken longer to pay EXCEPT if you pay the account up early and then you will be entitled to a rebate.

If you need to make a complaint please get in touch with us immediately. Your custom is very valuable to us and we'll want to take action as soon as possible.

Contact us

Please ask your agent or contact our office.
Indeed, if you have any questions at all please contact us.

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Yes, you can make a bank transfer or set up a standing order. Our bank details are:

Stewart Finance
Account number 91058673
Sort Code 403133

Please put your name as reference so we can identify it.

If you have a Visa Debit card we can accept a card payment. Please speak to your agent or give the office a call.

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Yes it is. Your data privacy is very important to us.

Your loan will only be discussed with you, and not with other family members or friends without your consent. Your personal information will only ever be seen by clearly identified Stewart Finance employees.

Want to Borrow More Than £100?

We've found that a first-time loan amount of £100 helps us get to know each other and establish a great relationship. Once paid to terms, you could become eligible for a loan of up to £500.

Use the slider below to see how a loan of up to £500 could work for you.


Payment Period

24 weeks

Weekly Repayment


Total to Repay




Our Process

Step One

Step Two

If we are unable to lend to you at this time, you will receive an email.

If successful at this stage your assigned agent will call you and ask a few more questions to understand:

  • How did you hear about Stewart Finance?
  • Initial affordability.
  • Your availability to meet at your home.

Step Three

If we are able to offer you a loan, within 24 hours an agent will call you to set up your first loan appointment at your home.

The agent will verify your documentation, conduct an affordability assessment and arrange payment arrangements.

Ready to apply?

Begin your application now for a simple cash loan of £100