Company overview

Company overview

We are a leading international provider of home credit and digital loans. Our home credit business model has been operating for more than 130 years and is well established, resilient and profitable. Our home credit product has two core elements: a small-sum, short term unsecured cash loan and an optional home collection service provided by dedicated agents. Our growing digital loans business operates in Poland under our hapiloans brand and in Finland, Latvia, Estonia, Lithuania and Australia with the Credit24 and Sving brands.


Our 2.6 million customers chose us because we are:

Our markets

We operate in eight countries-Poland, the Czech Republic, Slovakia, Hungary, Mexico, Romania, Lithuania and Bulgaria. We also have a central office in Leeds, UK.

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Our business model

Our business model has been operating for more than 130 years and is well established, resilient and profitable.

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The loan process

We take a distinctive personal approach to lending and our agents are the linchpin of the home credit business model.

Discover more about our loan process

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