Due to the ongoing impact of COVID-19 on staffing and resources we are currently closed for new customers for the foreseeable future. We will be reviewing this from 6th January 2022. We are sorry for any inconvenience caused.

How HomeSmile Works

Step 1

Pick your products

Browse the HomeSmile website and add as many products as you like to your basket.

Step 2

Online application

Complete the online application filling in all the required fields. All applications usually take 48hrs to process.

Step 3

Home Visit

A member of our HomeSmile team will visit your property and complete a home survey and affordability assessment.

Step 4


Have your payments collected, and payment cards updated, directly from your door from your local agent.


“Estone Personal Credit Limited are pleased to announce our brand new range of HomeSmile products. The HomeSmile brand provides all essential home improvement products for an affordable weekly repayment to West Midlands based customers. This is an extremely exciting development to our business, and we are pleased to announce to our customers a fantastic new alternative to mainstream goods lenders”.

Affordable weekly payments
Top high street brands
Flexible loan terms
No late or missed payment fees
No payment or smart meters

What Are You Looking For?

HomeSmile Appliances product range
HomeSmile Furniture product range
HomeSmile Entertainment product range
HomeSmile Computing product range
What our customers say

Really great company would definitely recommend I had my 2 girls bedroom furniture and carpet from Paul really great service from start to finish. Made sure everything was perfect for us before leaving. Eddie my agent is brilliant really helpful and spot on with everything. Thank you so much for everything really appreciate it.

Jeanette Black

absolutely love this company! moved into my new house and within a week of being there they made sure my kitchen appliances was in! my hall, stairs, landing and bedroom was complete! it was all priced at a budget that not only suits me but still lets me live my normal everyday to day life and not worry about paying loads! paul and the staff are wonderful always checking to see if the job was done properly and that your happy with it! couldn’t of asked for a better company to help me settle in my home!
thanks again guys!!❤️

Jaye Docker

I like to thank paul and is team who have work hard four me and my family we had a house fire paul you have made us so proud we love all the things you have held my family with a big thank you

Bev Smith

5*. Company I couldn’t fault this company at all.. been with them 9 years now and wouldn’t go anywhere else.. Paul is amazing friendly will go above board to help you anyway he can and also all he’s staff. I have Mandy as my agent and she’s been a diamond. And get on really on.. had new bed and sofa delivered today such amazing quality and put it all together for you.. highly recommend this company.. thank you for every thing last couple years and new furniture…

Gemma Curtis

So happy with my delivery today, my bedroom looks amazing, thanks to Paul, making sure the furniture fits nicely (as I’ve always struggled with getting the right furniture within such a small space). Brand new oak bed with mattress, wardrobe, chest of draws with mirror and side table. Literally couldn’t of set it out any better. Been with estone nearly 3years, never had any problems very professional team always provided me with top quality products, Great customer care. Thankyou so much Estone keep up the hard work ❤️

Varonica Cox

Fantastic help and support from Paul and my agent lisa, absolutely Luv my new flooring and settee’s, not all bosses deliver furniture set the items up then take away the rubbish for you,
Livingroom all finished, bedroom next.

Joanne Whittle

HomeSmile happy customers