Help centre
Answers, without the jargon.
Find clear information about applying, repayments, fees, account security and getting extra support.
Browse all frequently asked questions below.
01
Application and eligibility
What you need to apply, how decisions are made, and when you could receive your money.
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
You can apply for an additional loan even if you haven’t finished paying back your current one. We’ll review your financial situation before deciding if lending to you again is affordable.
It’s important to think carefully before applying for a new loan. Borrowing more than you need may not be a good idea.
Even if you’ve paid all of your previous loans on time, we may not approve another if it’s not affordable. We assess each application based on your current finances.
It’s important to think carefully before applying for a new loan. Borrowing more than you need may not be a good idea.
Even if you’ve paid all of your previous loans on time, we may not approve another if it’s not affordable. We assess each application based on your current finances.
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.
We can’t guarantee that you’ll receive the amount you applied for. We might offer a lower amount based on our affordability assessment.
If you are a returning customer, you can apply for £100 to £1000.
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 Handy Cash 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.
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.
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.
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.
02
Fees & interest
Understand the full cost of your loan and the charges you will never pay.
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.
03
Making your payment
Payment methods, checking your balance, paying early and what happens if you pay late.
Log into your customer portal to view your most recent payments, payment history, and balances.
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.
- Bank Transfer or Standing Order: You can get the company bank details from your agent.
- Payment Link: Your agent can send you a link by text to make your payment with your debit card.
- Pay With Bank: Your agent can send you a link by text to make your payment through online banking.
- 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 will entitled to a discount. 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.
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.
04
Money trouble, life events & extra help
Support is available if your circumstances change or repayments become difficult.
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.
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.
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.
05
Account details, security & complaints
Keep your information safe, update your details, or tell us when something has gone wrong.
Please ensure you are dealing with the real Handy Cash. 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.
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 log in to your Customer Portal and navigate to "Request Profile Update," where you can submit a request to update your details.
Alternatively, you can inform your agent, and they will update the system for you.
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.
The best way to contact us or submit a complaint is by logging into your Customer Portal and selecting "Contact Us."
You can also reach us:
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.
The best way to contact us or submit a complaint is by logging into your Customer Portal and selecting "Contact Us."
You can also reach us:
- By contacting your agent
- By phone on 01324 614082 (Available from 9 AM to 5 PM, Monday to Friday)
- By email: complaints@handycashhomecredit.com
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.