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Cash loans

Cash loans make up a significant part of the Home Credit loan portfolio. Cash loans provide money, which can be used as the customer wishes. This product is offered to customers via the branch network, postal service outlets, direct marketing activities or via internet and call centre applications (telemarketing). Cash is provided upon the applicant´s identity check that is processed at Home Credit branches or at the local postal offices. Typical use for cash loans include home improvements, financing for holidays and the purchase of durable goods.

Typical distribution channels:

• post offices
• bank branches
• direct marketing
• telemarketing
• internet applications
• point of sales (Russian Federation - “Credit on card” product)

Distribution channels may vary in individual countries.