Our customers
Customers use home credit to manage the ups and downs of their weekly finances. Demand is highest at periods like Christmas for buying presents, Easter for family celebrations, summer for holidays and autumn for back-to-school expenditure.
Total number of customers
2.03m
Percentage of customers who are female
52%
Currently we have 2.03 million customers, over half of whom are women and who typically manage the household budget. Customers use home credit to manage the ups and downs of their weekly finances. Demand is highest at periods like Christmas for buying presents, Easter for family celebrations, summer for holidays and autumn for back-to-school expenditure.
Most of our customers earn average or below average incomes. Nearly all are in employment. We do not lend to customers whose sole income is unemployment benefit or anyone who has been a customer and who did not repay a previous loan.
Many of our customers will have little or no credit history and may be taking a loan from a financial organisation for the first time. Those who have used credit before may have used a store credit card to purchase household items or would have borrowed from friends and family.
The proportion of our customers having a bank account varies market by market. For example, in the Czech Republic around 82% of customers have a bank account, compared with 61% in Poland.