How it works

pound coin

No Deposit





Weekly Repayments

It’s quite simple really, first things first: Decide how much you would like to borrow.
Our services start at £50 up to £300 in £50 increments

Decide how long your repayment plan will take.
We offer our customers the opportunity to schedule their repayment plans over the course of 26 and 40 weeks.

Now that you’ve selected how much you would like to borrow and how long you’d like your repayment period to last, please look over all of the details to ensure they’re correct.
this includes: Cash Price, Weekly Payment, Interest Rate, and the APR Representative. Please take the time to ensure all of these details are correct.

Begin the application process! Now all that’s left to do is fill in an application process telling us a bit about yourself such as your living arrangements, cost of living, salary, etc.


Your loan has been approved and you have been accepted. You will have gone through our system and you will be able to sign your agreement online and set up your continuous payment authority (link to CPA PAGE).


You will receive an email with a copy of your contract along with other important information within 4 hours. Your loan will be paid into your account within 7 days and we will call you to confirm your bank details. Please note once you have been accepted we have our own internal checks and we cannot transfer your loan quicker if you were to call, we work quickly and effectively and at present the average was it time is 48 hours.


Your application will be reviewed by one of our customer service representatives.


They will contact you within 72 hours of your application being referred. Please be patient during this time period, we are unable to prioritise your case over others but we work quickly and effectively to ensure we provide you with a decision.


We on this occasion are unable to provide you with credit. our system is set up so sadly you will be unable to re-apply.


Sadly we will be unable to alter this decision over the phone but should you circumstances change you will be able to apply again in 30 days.

Any further questions?

Not to worry, the homebuy team is more than happy to help in any way possible! perhaps trying our How it Works FAQ by clicking here

Alternatively, you can contact us here