Who are Mutual?

We are a family owned provider of home collected credit, financial and retail services at the lowest cost to our customers we can achieve.

Founded in 1898 we are the largest family owned home collected credit company in the UK, employing 240 agents and over 350 employees at 15 different branches. Currently over 40,000 customers use and benefit from our different services.

We have 15 Branches across the East Midlands, South Yorkshire and East Anglia, with branches at Leicester, Northampton, Nuneaton, Warwick, Mansfield, Coventry, Corby, Oxford, Peterborough, Wellingborough, Norwich, Nottingham, Derby, Milton Keynes and Doncaster.

We have over 100 years of experience in the home collected credit market providing loans and retail consumer credit to generations of families. We offer the best value for home collected credit in your area. At Mutual we care about our customer’s needs and are considerate at all times whatever your circumstances.

40k
customers user our services

Our core values

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We are fair

If you experience difficulties we will work with you to help you manage your finances through a troubled period. All our costs for credit are included up front so there are no late payment fees or penalty charges even if you miss a repayment.

Always on hand to help

We provide the credit you need and help you to manage your payments.

We pride ourselves on honesty

We are a family owned private company that doesn’t need to please big corporate shareholders.

A lender you can trust

We have been around for over 100 years and are still owned and managed by the family that founded the company.

Takng our responsibility seriously

We are Regulated and Authorised by the Financial Conduct Authority and we are members of the Consumer Credit Trade Association.

Our aim is to lend you what you can afford to repay. Our agents will assess your circumstances and discuss with you what amount of borrowing suits you best.

A friendly approach

If you experience difficulties we will work with you to help you manage your finances through a troubled period. All our costs for credit are included up front so there are no late payment fees or penalty charges even if you miss a repayment.

Our Agents

Our agents are friendly, professional full-time employees from your local area. They call at your house at a time suitable for you, helping you keep your repayments on time. They help you manage your account and answer questions. When you apply for credit they assist you in completing the application and deliver the loan to your door when you are approved.

Our agents pride themselves on the service they give and will go the extra mile to arrange a loan quickly for you, help you choose a retail product and build a good working relationship with you.

How we are different from other lenders

Unlike other lenders such as payday loan companies, credit cards, overdrafts, credit unions or bank loans you know you are in control of what you owe. The amount won’t build up through extra charges, fees or added interest.

Your agent calling each week keeps you on track with your repayments helping you pay off what you owe on time. A good payment record allows you to borrow more money should you wish and can afford to do so.

Need to discuss?

By phone

If you have any problems please phone your local branch or our head office on 0116 251 81 06


By email

Please email our support team at [email protected] for help and support


By branch

Find your nearest branch and speak to your local agent representative

Representative Example: £13.73 per week to borrow £500 over 51 weeks  |  Total amount payable £700  |  Representative 104.0% APR  |  Fixed rate of interest 104.0% p.a.