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.
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.
New customers can borrow up to £300.
Representative 468.18% APR
Representative Example: Total Amount of Credit - £100 | Duration of agreement - 25 Weeks | Interest Rate - 104% per annum fixed | 25 weekly repayments of £6 | Total Amount payable - £150.00
Applying won't affect your credit score.
Not all applications will be approved for a loan. An offer of credit is subject to status and affordability checks.
Careys are a family firm who have been providing short term-loans throughout Teesside, North Yorkshire and Durham for over a century. Our aim is to provide you with a loan that you can afford over a repayment term that suits your budget, with flexibility as to how and when you repay the loan.
The interest charged at the outset will never increase with penalties for missed or late repayments. You may find this helpful if you need flexibility at Christmas and holiday times. And if you do suffer a financial setback, your loan balance will keep reducing even if you're paying less than the minimum weekly amount.
Authorised and regulated by the FCA, committed to fair treatment and positive customer outcomes.
Once your loan application is approved, receiving your money couldn't be simpler. We will transfer your money into your bank account. We will also provide you with a dedicated member of staff who you can contact whenever you require assistance. There are no call centres or lengthy processes to contact Careys, simply telephone or send a WhatsApp / text message to your dedicated contact and we will be in touch.
You can repay your Careys Personal Credit loan either weekly, fortnightly or monthly, whichever way suits your budget and is most convenient for you. If you repay your Careys Personal Credit loan early, you may be eligible to receive a rebate on some of the interest that you were charged.
Alan, 71, a retired scrapyard manager and great-great grandfather - Hartlepool
"I’ve used Careys for about nine years and I’ve found them to be a good firm to deal with. I lost my wife about five years ago and I’ve taken out loans to help me pay for birthdays, Christmas and other things. Sue, my agent, always comes on time. I’ve had no bother at all and I’ve recommended them to other people in the past."
Cath Halpin, 45, Barmaid and mum of two - Middlesbrough
"I’ve been using Careys for a good few years now. It came about through word of mouth but my Mam remembered them from years and years ago. Are they a good firm to deal with? Yes – the best! I use the loans for anything I need really, things for the house or the latest one I took out was to pay for a holiday. Being local makes them more understanding and I wouldn’t use other firms anymore. My agent, Amanda, is a really good friend and we’ve got lots in common. I always tell people, if you need help, go to Careys."
Rachel Buckley, 40, Mum of five - Thorntree, Middlesbrough
"Careys are totally different from other credit firms – they’re more approachable, more friendly and very professional as well. Christmas is the main time I use them, or when I need clothes for the children or a bit of spending money for the holidays. I’ve been with them for six or seven years after coming across them through my agent, Jade Lambert, who I knew already. Even if Jade doesn’t call one week it’s always someone friendly and somebody you can talk with. I’ve paid two other lenders off and just stay with Careys now. The interest rates are better and they’re really understanding as well. When my partner moved in we didn’t have any money for a couple of weeks they were absolutely fine and I was able to catch up. I’ve recommended them to other people – they’re the best!"
Emma Cotts, 38, Mum of four and a Sales Assistant - Stockton
"I’ve been using Careys for four or five years to get loans for things I need for the family, like holidays and decorating. I’ve used other short-term lenders a long time ago but Careys are a lot better – the interest rates are lower. They’ve been brilliant and my agent, Rebecca, is lovely. I would definitely recommend them to others."
Sheila Wildberg, 76, a retired shop worker - Hartlepool
"I’ve been using Careys for over 20 years after being introduced to them by a friend. The money comes in handy if you’re stuck for things like carpets or wallpaper. They’re a really good firm to deal with. I had to drop my payments a couple of years ago when my husband had to go into a home with dementia and my finances were all over the place. They were very understanding. I went on reduced payments until I was able to get back on track and I’ve been fine ever since. I have no hesitation in recommending them– nearly all my family use Careys now! Sue, my agent, couldn’t be better. She always takes time for a chat and to ask how everybody is."
Choose how much you want to borrow and submit your loan application and most recent bank statement by clicking "Apply Here". We aim to get back to you the same day.
If your application has been approved in principle, your local agent will be in touch to complete your affordability assessment and capture your identification/address details.
You will receive your Loan as soon as we have completed the application process and that we have discussed with you the loan terms, providing you fully understand your loan terms including weekly payments and the total amount payable, your agent will either issue your cash loan immediately or arrange a transfer to your account.
Repayments can be made weekly, fortnightly, or monthly via Continuous Payment Authority or cash collection by your agent at your doorstep.
New customers can borrow from £100 to £300. Existing customers can borrow from £100 to £1000. However, it’s important to borrow only what you need and can comfortably repay within the designated repayment period.
If your credit record has been impacted by CCJ’s or late repayments we will try and assist you. We understand that you may have had a temporary setback due to no fault of your own, like a marriage breakup, economic abuse or an illness. We will discuss these issues with you and if your current situation indicates that your financial situation has improved and that you can afford a loan with Careys we will do our best to help you.
We try and make loan decisions as quickly as possible. However, this also depends on Careys receiving sufficient information from you to make an affordability decision. Please make sure that you provide the information we request and respond to us if we contact you for further information so we can make a decision that is right for you.
Click "Apply Here" in the bottom corner to find if you're eligible for one of our Cash Loans.
You may be able to borrow at a cheaper rate by contacting your local credit union. Please visit www.findyourcreditunion.co.uk for details.