Why Community Interest Companies Lend Differently
A CIC isn't a charity, but it isn't a typical lender either. Here's what actually changes when profit isn't the main goal.
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Our Model
CARE CASH is a community interest company offering fair-priced loans with a strict cost cap — plus free support to help you avoid needing credit again.
Every loan is priced under our cost cap — no exceptions, regardless of your credit history.
For everyday costs, priced fairly and capped from the very first quote.
Fast support for essentials like a broken appliance or an unexpected bill.
A small, planned loan paired with free budgeting guidance from a real person.
Structured repayments reported to help build a thin or damaged credit file.
We cap our total cost of credit well below typical high-cost lenders — see the difference for a given loan.
As a community interest company, helping you need less credit next time is part of the actual mission.
One-on-one sessions to build a budget that actually reflects your life.
Regular, no-judgment check-ins designed to catch problems early.
Direct connections to free, independent debt advice when you need more than a loan.
Small, regular saving alongside your loan to build a cushion for next time.
The same sequence for every member, whether your situation is simple or complicated.
A short, judgment-free application, online or in person.
A real conversation about what you need and what you can actually afford.
Clear terms, a capped cost, and no surprises further down the line.
Funds arrive, and ongoing wellbeing support stays available to you.
Short, honest reading on fair credit and financial wellbeing.
A CIC isn't a charity, but it isn't a typical lender either. Here's what actually changes when profit isn't the main goal.
Read the article →A small weekly payment can hide a very large total cost. Here's how to see the real number before you sign.
Read the article →Big savings goals rarely stick on their own. Here's what tends to actually work for people starting from very little.
Read the article →Feedback from people who borrowed through CARE CASH.
"First lender that actually explained the total cost before I signed anything, not buried three pages into a PDF."
"The budgeting session was honestly more useful to me long-term than the loan itself."
"Process took a bit longer than the instant apps I've used, but I never once felt rushed into a decision."
As a CIC, our profits are reinvested into the loans and support we offer rather than paid out to outside shareholders.
We set a firm ceiling on total interest and fees for every loan before you apply, so the maximum you could ever repay is always known upfront.
We review your application as a whole, including affordability, rather than relying on a single credit score cutoff.
Our wellbeing support — budgeting sessions, check-ins, and signposting to independent debt advice — is available whether or not you take out a loan.
Apply for a cost-capped loan, or reach out for free budgeting support — either way, there's no pressure.
Apply for Fair Credit