Who Is Premium Credit Limited?
Premium Credit Limited is the leading provider of premium finance in the United Kingdom and Ireland, offering tailored credit solutions for individuals and businesses to spread the cost of essential annual payments.
Founded in 1986 and headquartered at Ermyn House, Ermyn Way, Leatherhead, KT22 8UX, the company has built a trusted reputation over nearly four decades.
Authorised and regulated by the Financial Conduct Authority (FCA), Premium Credit Limited supports the financing of insurance premiums, school fees, FCA fees, professional subscriptions, and membership costs through convenient monthly instalments.
The company’s services are essential for customers looking to manage large upfront payments while maintaining financial flexibility.
With over 2.9 million active customers, processing more than 35 million Direct Debits annually, and originating loans exceeding £5.5 billion per year, Premium Credit stands as the No.1 premium finance company in the UK and Ireland.
Its broad partner network includes more than 3,000 brokers, intermediaries, and financial institutions, cementing its role as a key enabler of affordability and access.
Who Leads Premium Credit Limited?
Premium Credit Limited is governed by a distinguished and internationally diverse board of directors. The leadership team brings together deep expertise in financial services, investment strategy, compliance, and operational excellence.
Leadership of Premium Credit Limited
| Name | Position | Appointed On | Background |
| Tara Jane Waite | Chief Executive Officer | 23 Sept 2019 | British; experienced executive in financial services leadership |
| Andrew Phillip Chapman | Chief Financial Officer | 3 Jan 2019 | British; strategic finance leader with industry focus |
| Elizabeth Sarah Annys | Company Secretary | 29 Nov 2018 | British; compliance and governance professional |
| Scott Egan | Director | 9 Nov 2022 | British; insurance and finance executive |
| Joseph Knoll | Managing Director | 9 Nov 2022 | American; UK-based investment and operations strategist |
| John Lawrence Lumelleau | Director | 9 Nov 2022 | American; US-based financial services expert |
| Kory Beth Sorenson | Director | 9 Nov 2022 | British; risk and governance specialist |
| Nikolay Skibnevskiy | Director (Investment Professional) | 19 Apr 2024 | Israeli; investment strategist based in the UK |
This experienced board ensures that the company adheres to the highest standards of corporate governance, regulatory compliance, and customer service excellence.
What Are the Company Details of Premium Credit Limited?
Premium Credit Limited operates as a private limited company under UK corporate law and maintains an active registration with Companies House.
The business consistently files its statutory accounts and confirmation statements in accordance with its legal obligations.
Company Summary
| Detail | Information |
| Business Name | Premium Credit Limited |
| Registered Office Address | Ermyn House, Ermyn Way, Leatherhead, England, KT22 8UX |
| Company Type | Private Limited Company |
| Incorporated On | 29 April 1986 |
| Company Number | 02015200 |
| SIC Code | 64921 – Credit granting by non-deposit taking finance houses |
| Company Status | Active |
| Use contact form on website | |
| Phone | 0344 736 9836 |
| Next Accounts Due | 30 September 2026 (for year ending 31 December 2025) |
| Last Statement Date | 5 March 2025 |
| Next Statement Due | 19 March 2026 |
The company continues to demonstrate financial health and operational resilience, supported by strong customer relationships and scalable technology platforms.
What Services and Features Does Premium Credit Limited Offer?
Premium Credit Limited provides a wide range of credit solutions that help individuals and businesses spread large payments into manageable monthly instalments.
Core Services
- Personal Insurance Finance: Allows individuals to spread the cost of personal insurance premiums.
- Business Insurance Finance: Helps businesses manage commercial insurance expenses in instalments.
- FCA Fee Funding: Assists regulated firms in paying FCA fees and levies over time.
- School Fee Plan: Provides parents with flexible monthly payment options for independent school tuition.
- Fairway Credit: Specialised finance for golf club membership subscriptions.
- Professional & Annual Fees: Covers professional memberships, holiday parks, and service charges.
- Tax & VAT Funding: Enables businesses to spread large tax liabilities into smaller, more affordable payments.
Digital Customer Platform – My Premium Credit
- Agreement signing
- Payment tracking
- Account registration
- Secure, 24/7 online access
This platform simplifies customer interactions, reduces processing time, and improves overall satisfaction.
How It Works?
- The customer (or intermediary) arranges a service such as insurance, school fees, or tax funding.
- Premium Credit pays the service provider in full on the customer’s behalf.
- The customer repays Premium Credit through convenient monthly Direct Debit instalments.
This straightforward model has positioned Premium Credit as a trusted financial partner for millions of individuals and businesses.
What Is the Capital and Turnover of Premium Credit Limited?
While Premium Credit Limited does not publish full turnover figures as a private entity, publicly available data and performance metrics suggest a business of substantial scale and capital strength.
Financial Highlights
| Metric | Estimate / Figure |
| Loans Originated Annually | £5.5 billion+ |
| Direct Debits Processed | 35 million+ per year |
| Customer Base | 2.9 million+ |
| Partner Network | 3,000+ partners |
| Employees | Approximately 500 |
| Operating Geography | United Kingdom and Ireland |
Premium Credit’s model, based on recurring monthly payments and low default rates, ensures a reliable income stream and robust financial stability.
The company continues to invest in technology, compliance, and partner growth to support its long-term strategy.
How Can Clients Contact Premium Credit Limited?
Premium Credit Limited offers various contact options for customers, intermediaries, and partners:
Contact Information:
| Contact Type | Details |
| Phone | 0344 736 9836 |
| Via contact form on premiumcredit.com | |
| Postal Address | Quality Control, Ermyn House, Ermyn Way, Leatherhead KT22 8UX |
| Customer Support Hours | Monday to Friday, 8:00 AM – 6:00 PM |
The company’s website also hosts a FAQs section, live portal support, and agreement services to streamline user experience.
Why Choose Premium Credit Limited?
Premium Credit Limited is more than just a lender, it’s a trusted financial partner. For over 30 years, it has delivered convenient and flexible financing solutions that empower individuals and businesses to make critical payments without compromising financial health.
Key Differentiators
- Market Leader in Premium Finance across the UK and Ireland
- Over £5.5 Billion in Loans Originated Annually
- Authorised and Regulated by the FCA
- Wide Range of Sectoral Credit Solutions
- Fully Digital Customer Account Platform
- Partner to 3,000+ Brokers and Institutions
Whether it’s helping a small business spread insurance costs or enabling parents to manage school fees, Premium Credit Limited offers essential financial services with efficiency, reliability, and transparency.
