IDEAL CREDIT
& LOANS

We are a family-run loan company based in Halifax, serving our community for over 30 years. Built on family values, trust, and personal service, we’ve been helping local people access fair and affordable loans when they need them most.

As a long-established business, we understand that everyone’s circumstances are different — that’s why we take a personal approach, offering friendly service and flexible repayment options that suit your needs.

Whether you’re an existing customer or new to us, you can count on honest advice, reliability, and genuine care from a company that has been part of Halifax for generations.

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. 

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Treating Customers Fairly

At Ideal Credit, fairness is at the heart of everything we do. We believe that every customer deserves to be treated with respect, honesty, and understanding. Our goal is to make borrowing simple, transparent, and stress-free — with no hidden fees or confusing terms.

We take the time to ensure our customers fully understand their loans and repayment options, and we always act in their best interests. Many of our customers have been with us for years, trusting us to provide the support and fairness that larger companies often overlook.

Vulnerable Customer Support
What Our Customers say
I am completely happy with the services I receive from Ideal Credit, we feel like our agent is part of the family and are always assured that if we are in financial difficulties Ideal Credit are only a phone call away to help without making my finances worse.
Jacquie Smith

Family Friendly Finance

Cash - Representative Loan Example: £100 loan repayable over 34 weekly payments of £5 .
Rate of interest 107.36% per annum fixed. Representative 466.40% APR. Total amount payable £170.

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