Company overview

Company overview

We are a leading international provider of home credit – and the human face of finance.

Our 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.

We operate in emerging markets where demand for credit is growing and markets are relatively underserved.

Our customers have average or slightly below average incomes and want to borrow comparatively small sums of cash, quickly and in a manageable and transparent way. Most loans are between £200 and £500, repayable between 6 and 12-month terms.


Our 2.6 million customers choose 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.

Explore our markets

Our business model

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

View our business model

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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