About Us

1st Credit Sign

Our Culture

1st Credit strives to be the UK’s most ethical debt purchase and collection company. If we have contacted you about a debt, that means we have purchased it from your original bank or creditor and the balance is now owed to us.

We want to work with you to help you clear your debts. We will take your financial circumstances into account and set up an affordable payment plan that allows you to repay your debts and get on with your life. If you can’t afford to pay anything we won’t ask you to pay and we will help you get free money advice.

1st Credit Limited adheres to the Standards of Lending Practice (SLP).  Please click on this link for further information.

At 1st Credit we are committed to helping vulnerable customers. Based in Reigate, our Customer Care Team have received specialist training to give the best customer experience for those dealing with mental or physical health issues. We will always treat customers with sensitivity and confidentiality.

It is important to us to keep improving. For the last three years we have been awarded three star (exceptional) rating, by Investor in Customers – the highest score possible. This independent rating is decided by customer feedback. To read what some of our customers said click here.

We have also won a string of compliance awards and contribute to training across the industry to ensure people in debt are able to pay what they can afford as easily as possible. Read our Customer Charter to see our promises to you.

If you would like to speak to one of our customer service representatives please call 01737 237370. If you prefer to manage your account online, you can access our self-service portal. There are also other ways to get in touch.

If you are experiencing financial difficulties there are free debt advice options available to you. For a list of these independent organisations click here.

1st Credit Limited is authorised and regulated by the Financial Conduct Authority. More information, including details of how to make a complaint, can be found in our Frequently Asked Questions.

Our values


Responsible. 1st Credit treats each customer individually, understanding their circumstances with a focus on building relationships and upholding the reputation of the seller.


Trustworthy. 1st Credit’s culture is open, honest and transparent. We demonstrate these qualities with our customers, clients and employees.


Progressive. We aim to challenge our processes, technology and people so that our solutions become industry leading.


Energetic. 1st Credit conducts its business with vigour, enthusiasm and passion to the benefit of all our stakeholders.