Financial Help at Hand

Doorstep Loans and Home Credit

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

Compare Lenders

Doorstep Loans

  • Cash sums up to £2500 (subject to affordability)
  • Repay over 13 - 104 wks
  • Fixed weekly payments
  • Friendly home service
  • No bank account needed
  • Multiple loan options

doorstep loan iconDoorstep Loans

Doorstep Cash Loans from £100 to £2500

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 a poor credit history 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 - Morses Club (previously known as Shopacheck) and Provident Personal Credit*. 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 130 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/team members themselves.

How do Doorstep Loans Work?

  • You make an online enquiry/application today and the lender makes an instant assessment
  • If they believe they can help they will contact you the same day to arrange an agent/team member to visit you at home
  • You agree the terms of your loan and get your cash handed to you that instant
  • The agent/team member visits you each week to collect the weekly repayment (which is why they are also called home collection loans)
  • Payments are typically fixed with nothing hidden, and usually no late payment fees.

Our Lenders

Morses Club

Morses Club | Shopacheck logo.

  • Focus on providing cash loans of £100 to £400 (up to £1000 for existing borrowers) subject to affordability.
  • Repayment periods of 20, 33 or 52 weeks.
  • Fixed weekly repayments.
  • No charges for late payment.
  • Existing customers get access to additional credit products.
  • Representative 756.5% APR

*FOR INFO - Provident are not accepting applications currently

Provident Personal Credit

Provident Personal Credit

  • Borrow £100 to £1000 (up to £2500 for existing customers) subject to affordability.
  • Low manageable weekly repayments
  • No late payment fees
  • Choose from 13, 26, 52 week repayment terms (existing customers can repay over 104 weeks for loans of £500+)
  • Personal payment book so you can track your repayments.
  • Representative 535.3% APR
  • Please note: Provident are not taking applications currently

Loans when Cash is Tight

Doorstep loans are used most often for unplanned expenditure - e.g. your washing machine breaks down or your car fails its MOT. Most people don't have savings to fall back on and only half of people who use home credit are full time or part time employed. So, the lenders we work with will consider applications from people who are unemployed but have another form of income - e.g. people on benefits or living on a pension. Each applicant is assessed on a case by case basis with particular attention paid to where their income comes from.

Lenders and Agents/Team Members cover the UK

Our lenders cover approximately 90% of UK post codes using thousands of agents/team members to distribute and manage doorstep loans. So you are almost certainly going to be living in our lenders' catchment area. And if you live in the cities then the chance is even greater - e.g. London, Leeds, Glasgow, Manchester, Belfast, Liverpool, Nottingham, Birmingham, Bolton, Hull, Grimsby, Middlesbrough & Blackpool.

Explainer video

Compare the price of home collected and other cash loans available in your area at

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

About Doorstep Loans

Compare Loans

No Fees Broking Service

Answer 4 quick questions to discover your loan options.

Find Loan Now

Our Promises

  • No Fees and Charges
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


Online Service

When it comes to getting you your doorstep loan our online service is second to none. In fact has scored 4.6 out of 5 based on 203 ratings & 21 user reviews for its doorstep loan service.

Used our website? Write your review now.