How do our loans work?

Home credit is a simple and affordable lending solution. Find out more below.

What is home credit?

What is a Home Credit Loan?

From time to time we all have cashflow problems. Our home credit cash loan is a personal and friendly service which can provide you with small, short term loans with affordable repayments.

All transactions are completed in the comfort of your own home, and repayments are collected from your home on a weekly basis.

365.2%APR Representative. Compare the price of home collected and other cash loans available in your area at

Our Application Process

Fill in our online application form, telephone us on 0161 747 1090 or use our online chat within our working hours: Monday – Friday 10.00am to 4.30pm.

One of our friendly representatives will arrange to visit to finalise your application.

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You can trust us!

We’re fully compliant with financial regulations from the Financial Conduct Authority.

We know your time is valuable, so we’ve tried to make things as simple and quick as possible. Our application only takes minutes to complete and the majority of our loans are paid out within 24-48 hours.


Apply For Your Loan

It’s quick and simple, apply in minutes.

Fill in our online application form or telephone us on 0161 747 1090 or use our online chat within our working hours: Monday – Friday 10.00am to 4.30pm.

I needed a short term loan to help me buy school uniforms. I called into the office at Regency and was pleasantly surprised how quick and easy it was for me to take out a small loan. I was able to buy all my son's uniform the following day. One happy mum and one smart boy!


I have been a customer of Regency for a number of years now and quite honestly there have been times where they have saved my life. When I needed cash immediately I could telephone my collector and the paperwork was done and brought round to me. It is such a help having a collector as I do not drive and am in poor health so do struggle some weeks to get out and about.


I heard of Regency through a friend and when I needed a loan for repairs to my car I called in and Barry sorted me out, no messing. It meant I could get my car back on the road sooner rather than later.