Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. You can compare our loans to other short-term lenders.

FAQs

See the most frequently asked questions below

Application and Eligibility

You can apply for a loan if you:
  • Have a valid Proof of ID, Address, and Income
  • Live in the UK
  • Are over the age of 18
To ensure that Careys’ are complying with the regulations of the Financial Conduct Authority and that the firm is treating its customers fairly we have provided a summary of some of the key topics you should consider before further borrowing.

Please think very carefully about the following information before proceeding with your permission to call application.

- Take a break from borrowing from Careys’ and instead save towards your purchase. This will save you money on interest charges.
- Consider alternatives to further borrowing, For example if you are borrowing to pay a utility bill you may be able to negotiate a repayment plan directly with your utility provider which could be cheaper than borrowing from Careys’. This could also apply to a variety of issues like council tax, rent/mortgage arrears and other creditors.
- You should also consider if you could access credit which could be a less expensive form of borrowing than a home credit loan from Careys’.
- Debt advice
- You should consider if you would benefit from free independent debt advice through an organisation like Stepchange. This may help you with a range of financial issues. Your agent can provide you with their contact details.

Before proceeding:

- You should only proceed with your permission to call request if you have considered the above information.
- You should only proceed if you are satisfied that your previous borrowing from Careys was fair and that the repayments did not cause you any financial difficulties like being unable to afford everyday essentials or pay key bills.
- You should only proceed if you feel in your previous borrowing with Careys that they carried out proportionate and reasonable assessments of your finances and that the previous loans were affordable.
- You should only proceed if you feel that Careys have taken into account all your circumstances including any issues about any physical or mental vulnerabilities that you may have.
- You should also be satisfied that having considered the above information that a home credit loan from Careys is your preferred borrowing option.
- If you require any further information or do not wish to proceed please contact your agent or call Damian McKinley on 01642 850022
If this is your first time applying, you can request an amount between £100 to £300.

If you are a returning customer, you can apply for £100 to £1000. Returning customers will be required to undertake a new affordability assessment and any lending will be based on their previous borrowing record with Careys

We can’t guarantee that you’ll receive the amount you applied for. We might offer a lower amount based on our affordability assessment.
We can’t guarantee approval. Even if you’ve had an Careys loan before and paid it back, we use your latest income information to assess affordability.

This ensures we only offer loans that are manageable for you to repay.
We understand that being declined for a loan can be frustrating. We carefully assess each application to ensure our lending decisions are based on your personal circumstances.

We have assessed your loan application and determined that the requested amount may not be financially sustainable or aligned with your best interests.

However, circumstances can change, and we’d like to stay in touch. We will assess each new application carefully in the future, though approval is not guaranteed.
Once approved, your loan will typically be sent to your bank or issued in cash the same day. However, there may be delays due to various reasons.

If you experience a delay, check with your Agent for an update on when the money will be issued.
No, applying will not impact your credit score.

Fees & Interest

Your loan offer will tell you how much interest you'll need to repay and how much each repayment will be. We won't charge you anything extra.
There are NO extra fees or charges applied to your loan. No Late fees, missed payment fees, contact fees or early repayment fees.

Making Your Payment

You can contact yor agent directly to find out if your payments are up to date.
You can make a payment by:
  • Payment Authority (CPA): Set up during your application, this will automatically withdraw payments from your bank on the due dates.
  • Cash Payments at Your Doorstep: You can also pay in cash directly to your agent.
Yes, you can make payments before they are due if clear your balance. If you clear your balance before the due date on your agreement then you may be entitled to an Early Settlement Rebate. Contact your Agent or contact us through our website to find out how much you will need to pay. There are no fees charged for early repayments.
If you’re late with your repayment , we won’t charge any late fees. What you sign for is what you pay!

If you’re late with more than one payment and feel like you need help , then please reach out to us for help. Your Agent has multiple ways in which we can offer help and support to get you back on track or signposted to the right people.

Money Trouble, Life Events & Extra Help

If you’re having trouble making your payments, or think you might, we’re happy to talk about options available to you. The sooner we know, the more we can do to help.

We can work with you to identify the best next steps, whether that’s a payment break or an affordable repayment plan.

If you’d like free, impartial advice, you can visit the government-backed, independent, and free-to-use service MoneyHelper at moneyhelper.org.uk or call them on 0800 138 7777.

Whether you're facing higher bills, uncertain income, job loss, or another difficult situation, they can help you take the first steps toward regaining control.
If you need additional support managing your account, or if there’s anything we should know about your circumstances to assist you better, please get in touch.

Life can be unpredictable, and we’re here to help. Whether you're dealing with physical or mental health challenges, serious illness, or other sudden life events, we’re ready to provide the support you need.

You can also get free, impartial advice from MoneyHelper at moneyhelper.org.uk or by calling 0800 138 7777.

We won’t judge. We’ll use the information you provide to find the best way to support you.

Want to see how we've helped others? We’ve gathered real customer stories that might reflect your situation. If any of them sound familiar, please reach out—we’re here to help.

Protecting Your Personal Information, Account Details and Complaints

Please ensure you are dealing with the real Careys Personal Credit. Fraudsters and loan sharks may attempt to trick you into applying elsewhere. We will never ask you for any fees.

If you receive a phone call and are unsure whether it is genuine, end the call immediately and contact us as soon as possible.

Never provide your personal or financial details to anyone who requests them unexpectedly. If you suspect fraud, report it immediately to Action Fraud by calling 0300 123 2040 or using their online form at Action Fraud Online.
Updating your account information is simple. Just Submit the Change Details form here with the information that has changed.

Alternatively, you can inform your agent, and they will update the system for you.
If you have a concern about our service or performance, we want to hear about it straight away. We aim to resolve issues quickly and without fuss. However, you always have the right to make a formal complaint.

You can make a complaint:
  • By contacting your agent
  • By phone on 01642 850022 (Available from Mon-Thurs 8:30am-4.30pm and Fri 8:30am-1.00pm)
  • By email: info@careyscredit.com
We will acknowledge your complaint within three business days and provide our final response within eight weeks.

If you are not satisfied with our final response or have not received a response within eight weeks, the Financial Ombudsman Service may be able to help. Visit www.financial-ombudsman.org.uk or call 0800 023 4567.

You may be able to borrow at a cheaper rate by contacting your local credit union. Please visit www.findyourcreditunion.co.uk for details.