About Us

One weekly payment, one home to make you smile

Meet the team

Jay & Paul
Jay and Paul Langley the Directors
Charlotte at HomeSmile
Charlotte Langley the General Manager
HomeSmile Dog
Dexter the Office Dog

Family Values

HomeSmile is the trading name of Estone Personal Credit Limited, a family run Home Collected Credit Company that has 18 years’ experience in lending to consumers with cash loans and more recently hire purchase products.

Estone was established in 1999 by Paul Langley, and to this day has long standing loyal customers who have followed Estone on our journey from the very first day of business. Since Paul’s son (Operations Director), Jay Langley joined the Estone team after university he has helped develop Estone to a new level. He believed that Estone was missing out on providing their customers with an affordable home improvement range. Over the last 4 years Jay has worked hard on creating and sourcing a vast range of products to be available to their existing (and new) customers, at a comfortable rate that they can afford to repay on a weekly basis. Hence, HomeSmile was born.

With HomeSmile now in place, it will continue to follow the Estone mentality of making sure the customer is always at the heart of the business. Through this, our customers can rest assured knowing that they are receiving high levels of customer service at all stages of purchasing any items from our home improvement range.

The HomeSmile brand is a new and exciting development to the Estone family, and is aimed at providing customers with a complete weekly payment goods service to help you build a house that will make you smile.

We are Unique

Our customers can take advantage of both Estone Personal Credit Limited’s cash loans, and HomeSmiles home goods all under one roof. Our service goes beyond the typical supply of electrical items for the customers household. We also supply carpets, laminate flooring, blinds, beds, sofas and most recently furniture. Our sourcing of home improvement products is continually updating and expanding to ensure that we are providing our customers with one of the largest ranges available, but always maintaining a high level of product standard.

We will use both our in-house delivery team, and our suppliers delivery services to ensure that customers have the shortest wait time possible from ordering to receiving their products.

Estone Personal Credit

We are a name you can trust

HomeSmile are members of the Consumer Credit Association (CCA). They ensure that our practises and products are compliant with the Financial Conduct Authorities (FCA) rules and regulations.  Membership of this association allows customers to feel at ease that the service that they are receiving is rubber stamped and quality assured.

HomeSmile are also authorised and regulated by the Financial Conduct Authority (FCA), who provide all Consumer Credit Firms with rules and regulations to which we must abide by. The rules and regulations are always centred around the customer, and making sure that the consumer is receiving the highest level of customer service. Our customers can rest easy knowing that being a customer of HomeSmile means that they are protected and will only ever receive the service that they are due.

CCA Member

New products & Services available through HomeSmile