So, you need some cash to tide you over or to pay for something you’ve not yet budgeted for. Hopefully it’s for something of a happy nature such as birthday or Christmas presents, or may be it’s for an unexpected expense such as a broken washing machine. Where should you get this money? If you can’t get it from a friend or family member then you might be tempted to use a payday loan. But before you jump into a payday loan consider a different alternative – doorstep loans otherwise know as home credit or home collected credit. Home Credit or Doorstep Loans could help you out of a cash crunch

So What are Doorstep Loans?

Doorstep loans are small cash loans of up to £1000 (although a loan of £300 is more typical) which are borrowed for a number of months and repaid on a weekly basis to a friendly agent who works on a face-to-face basis. They are provided by highly trusted companies, such as Provident Personal Credit or Shopacheck. Both of these companies have operated for decades and have served literally millions of people in that time. In fact Provident have well in excess of 1 million customers with loans at any one point in time! It’s reassuring to know that both these companies have very high satisfaction levels – well in excess of 90%! So, you know you can trust them to keep your best interests at heart. One of the extra advantages about these loans is that you do not need a bank account or a debit card to get one – these really are cash loans.

How to Get a Doorstep Loan

The nice things about doorstep loans is that you deal with real people and people you can trust. Although you make your initial enquiry online thereafter you’ll be dealing with real people who’ll take the time to find out about your needs. After you’ve made an enquiry a time will be agreed for an agent to visit you to go through the paperwork. Once you’ve agreed the terms you’ll get your cash there and then. You’ll be required to make weekly payments in line with the terms you have agreed. The agent will visit you at a convenient time to collect the payment – this is why doorstep loans are sometimes called home collected credit. has lots of information about doorstep loans and other forms of short term credit.