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 2.4 million customers choose us because we are:
Typically, we deliver cash loans within 48 hours of our first customer contact.
Loans are arranged and delivered by our agents in the convenience of our customer's home, at a time that suits them.
Our customers are often not well served by banks. They may have no credit history and prefer to use cash. Our loans appeal to those who want smaller loans and manageable repayments.
Our dedicated agents build long-lasting relationships with customers. They deliver loans and meet customers each week in their home to collect repayments.
Our customers are generally not charged any default interest or fees as a result of late repayments when our agent service is chosen. Our customers appreciate the fact that the amount they owe does not increase even if they miss a repayment.
Our markets
We operate in six countries-Poland, the Czech Republic, Slovakia, Hungary, Mexico and Romania. 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