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Doorstep Loans and Home Credit

Need a small cash sum but don't have a bank account?

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Doorstep Loans

  • Cash sums up to £1,5001
  • Repay over 14 to 52 wks
  • Fixed weekly payments
  • Friendly home service
  • No bank account needed
  • Multiple loan options

doorstep loan iconDoorstep Loans

Doorstep Cash Loans from £100 to £15001

These are small unsecured cash loans organised on a face to face basis with agents working for well-known specialist companies. Why might you want to consider a home credit or "doorstep loan" and who are the main doorstep lenders?

  • You have less than perfect credit and have been refused credit by mainstream lenders
  • You find mainstream/high street lenders intimidating and would prefer to borrow on a face-to-face basis with people you can trust
  • You need the convenience of home visits to arrange your loan and to make the weekly repayments
  • You don't have a bank account or would prefer to avoid the "high pressure" world of payday loans

We have a close relationship with both of the UK's best known doorstep lenders - Provident Personal Credit and Morses Club (previously known as Shopacheck). Below is more general information about them. These doorstep lenders provide great customer service - typically nearly 95% of customers are satisfied, and literally millions of people in the UK have borrowed from them over the years. In fact Provident has been in business for over 100 years, and Morses Club for over 80 - companies only last that long if they have a strong reputation and can be trusted! And many borrowers later join and become agents themselves.

How do Doorstep Loans Work?

  • You make an online enquiry/application and the lender assesses it instantly
  • If they believe they can help they will contact you to arrange an agent to visit you at home
  • You agree the terms of your loan and get your cash handed to you
  • The agent visits you each week to collect the weekly repayment
  • Payments are typically fixed with nothing hidden, and usually no late payment fees.

Provident Personal Credit

Provident Personal Credit

  • Offer a range of products of which their "cash loans" are the most popular.
  • Borrow £100 to £10001.
  • Low manageable weekly repayments
  • No late payment fees
  • Choose from 14, 23, 32 or 52 week repayment terms.
  • Personal payment book so you can track your repayments.

Morses Club

Morses Club | Shopacheck logo.

  • Focus on providing cash loans of £100 to £15001 (£200 for first time borrowers). Existing customers get access to a wider range of products.
  • Repayment periods of 34 or 50 weeks.
  • Fixed weekly repayments.
  • No charges for late payment.
Explainer video

1 Subject to affordability checks & your application being approved by the lender.

Compare the price of home collected and other cash loans available in your area at All home credit customers are entitled to a free detailed statement once every 3 months; just ask!

To operate this service we receive a commission from the provider we refer you to.

All About Doorstep Loans

Representative Example

Loan Amount


Interest Rate

97.5% p.a. (fixed)

Loan Term

32 weeks

Total Repayment


Representative APR


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When it comes to getting you your doorstep loan our online service is second to none. In fact has scored 4.5 out of 5 based on 167 ratings & 14 user reviews for its doorstep loan service.

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