Compare the price of home collected and other cash loans available in your area at; www.lenderscompared.org.uk
All home credit customers are entitled to a free detailed statement once every 3 months - just ask.
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
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
We will provide you with your own agent who you can contact at any time to discuss your repayment options or any other query you may have about your loan.
£100 loan repayable over 25 weeks: 25 weekly payments of £6 : Rate of interest 104.00% pa fixed: Representative 468.18% APR: Total Amount Payable is £150
Our aim is simply to provide you with a loan you can afford over a repayment term that suits your budget, with flexibility as to how and when you repay the loan.
Loans subject to affordability. To lend responsibly a home credit loan from Careys will require an agent to discuss your financial income, outgoings and other financial commitments. Available to UK residents aged 18 and over. Written quotations are available on request.
Representative Example: £100 loan repayable over 25 weeks: 25 weekly payments of £6 : Rate of interest 104.00% pa fixed: Representative 468.18% APR: Total Amount Payable is £150
Careys Personal Credit, 1 Kensington Road, Linthorpe, Middlesbrough, TS5 6AL. Careys Personal Credit is a trading name of Careys which is authorised and regulated by the Financial Conduct Authority. Firm reference number is 700141
Careys Personal Credit is a trading name of Careys Partnership. The partners in Careys are Peter Carey, Philip Carey, and Careys Credit Services Limited. Company registration number 4077562.