Call us today on: 01642 850022 1 Kensington Rd, Middlesbrough TS5 6AL
Get a loan from your local lender

Existing customers can apply for a loan of up to £1,000, subject to an affordability assessment. Start your application online now!

The maximum loan for a new customer is £200.
We can only lend to customers living in the TS postcode area.

I'd like to borrow…
Less of a loan
More of a loan
I will pay back over… Loan terms of 14 weeks, 24 weeks and 56 weeks.
Less terms
more terms
14 weeks
56 weeks

Representative Example; £100 loan payable over 24 weeks: 23 weekly payments at £6 and 1 payment at £9: Rate of interest 102.12%: Representative APR 435.5%: Total amount payable is £147.00

Compare the price of home collected and other cash loans available in your area at;
All home credit customers are entitled to a free, detailed statement once every 3 months; just ask.

Flexible repayments
Flexible repayments

Careys make repaying your loan as convenient as possible.

You can pay weekly, fortnightly, monthly or when you get paid, whichever suits you best.

You can also pay in cash, by debit card or standing order – it's your call.

We will always give you a home collection service whenever you require it.

Money to your door
Money to your door

Once your loan application is approved, receiving your money couldn't be simpler.

One of our agents can call round and drop the cash off at your home.

Or if you'd prefer to have it transferred directly into your bank account, we can do that too!

It's all about offering a service that's tailored to suit your needs.

No hidden charges
No hidden charges

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.

About Careys

Careys are a family firm who have been providing short term-loans throughout Teesside 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.

Applying for a loan with Careys Personal Credit is a simple and straightforward process.

You can apply by contacting one of our agents, filling in an online form or by calling into our Middlesbrough office, where you'll always find a friendly welcome.

Taking out a loan with Careys Personal Credit helps you remain in control of your finances.

Careys' staff at our Middlesbrough office
Our Promise

The amount you borrow will never increase with further interest charges, unlike some other forms of credit, such as payday loans or credit or store cards.

We will give you 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.

You can repay your Careys Personal Credit loan either weekly, fortnightly or monthly, whichever way suits your budget and is most convenient for you.

You can repay your Careys Personal Credit loan through your agent, via a standing order or by using a debit card. We do everything we can to make it easy.

If you repay your Careys Personal Credit loan early, we'll discount some of the original interest you were charged. It's all part of our commitment to fairness.

We will never charge you extra for late or missed payments, unlike some other forms of credit, such as payday loans or credit and store cards.

If you require a Careys "Personal Credit Loan"

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.

What Clients Say

“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, Ged Lambert, who I knew already. Even if Ged 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!”

Mum of five Rachel Buckley, 40, from Thorntree, Middlesbrough
Frequently Asked Questions

How much will a short-term loan cost me?
What criteria do I need to apply for a loan?
What is an affordability assessment?
Latest Blog

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Advice on alternative forms of borrowing:

A Careys Personal Credit home credit loan is generally a cheaper form of borrowing than most online payday loan firms. A Careys home credit loan also offers a great deal of flexibility and there are no extra charges for late or missed payments. However, you may be able to borrow at a cheaper rate by contacting your local credit union. See for details.

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