Doorstep Loans

  • Borrow up to £1,500
  • Repay over 13 – 52 wks
  • Fixed weekly payments
  • “At home” or online service
  • No bank account needed
  • Choice of lenders
Older lady arms folded wearing brown jumper and smiling

What are Doorstep Loans?

Doorstep loans are small unsecured cash loans organised on a face to face basis with local agents working for well-known specialist home credit companies. Lenders can be local, regional or national UK in scale. We work with the best-known national brands.

Borrow up to £1,000 and repay a small sum each week. Repayment amounts are fixed and there are no hidden charges. If you don’t have a bank account then the loan is paid and repaid in cash. But if you have one it means other options are available. Existing customers may be able to extend their borrowing to up to £2,500 subject to affordability.


Our Lenders

Why Consider a Doorstep Loan?

There are a number of alternatives if you need a cash loan, so what is it about doorstep loans that might make these your cash loans of choice?

  • 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

Choose from these Doorstep Lenders

We have a close relationship with all the UK’s best-known doorstep lenders. Here is a top-level comparison of them and their home credit products. These doorstep lenders provide excellent customer service – nearly 95% of customers are satisfied. Over the decades literally millions of people in the UK have borrowed from them.

If you would prefer a local or regional lender click here.

Morses Club

(incorporating Shopacheck)


Morses Club logo

UPDATE: Morses Club has paused all new lending until Feb 2023. Explore other small loan options.

  • Borrow £300 to £1,000 and repay over 39 or 52 weeks
  • Existing borrowers may be able to extend borrowing to £1,500 (subject to affordability)
  • Loan can be paid in cash or added to your bank account (if you have one)
  • Option of a pre-paid debit card to use for online purchases
  • Mobile app allows “on-the-go” management of your account
  • Rated 4.3 out of 5 on Trustpilot
  • Over 90 years of experience
  • Representative APR 498.78%

Find out More

Loans at Home

Loans at Home logo

  • Borrow £100 to £600 and repay over 13 or 34 weeks
  • Existing borrowers may be able to extend borrowing (subject to affordability)
  • Loan can be paid in cash or added to your bank account (if you have one)
  • Mobile app allows you to control your account easily
  • Over 60 years of experience
  • Representative APR 466.4%

Find Out More

Provident Loans

Provident loans logo

UPDATE: Provident Personal Credit has stopped all new lending.

  • Borrow £100 to £1,000 and repay over 13 to 52 weeks
  • Existing borrowers may be increase borrowing to £2,500 (subject to affordability)
  • Loan can be paid in cash or added to your bank account (if you have one)
  • No mobile app available, but account can be managed online
  • Rated 4.8 out of 5 on
  • Over 140 years of experience
  • Representative APR 535.5%

Find Out More

Each of these UK home credit lenders is very well respected. You can trust their team members and agents to be friendly, polite and understanding when they visit you face to face at your home. Customers continually rate their service highly.

You must take great care when looking for a doorstep lender who works in your area. You do not want to expose yourself to so-called loan sharks – unscrupulous people who are not licensed to lend money and who will charge extortionate interest rates that will drive you into insurmountable debt. Don’t take such a risk. Make sure you stay safe by dealing with our trusted doorstep lender partners.

How do Doorstep Loans work?

Traditionally home credit lending has been conducted at the borrower’s home. After an application for credit has been received an agent visits to discuss the applicant’s needs. Once approved the cash is provided there and then. These days an online alternative has been provided too. Fixed amount weekly repayments are either collected from home, made online or via a phone app if the borrower has a bank account.

What so I need?

1: Decide what you need?

Look at your household budget and decide the amount you need to borrow to see you through. Then decide how much you can afford to repay each week.

Finalise the loan

3: Finalise the Loan

The lender will assess your circumstances and conduct an affordability check. Hopefully your application will be approved.

Receive the cash

4: Receive Your Money

If you have asked for cash then it will be provided to you at home. You may have elected to have it paid direct to your bank account, or added to a pre-paid debit card.


If you need a small cash loan and want a personal service then consider a doorstep loan. This type of home credit comes from highly reputable lenders and does not require you to have a bank account.

Consider a Line of Credit: We’re working with Drafty to provide short term credit (£50 to £3,000) that could be a good alternative to a doorstep loan, payday loan, credit card or bank overdraft. No fees. Learn more about Drafty.

List of Doorstep Lenders like Provident in the UK

If you can’t find your town listed below then another option is to use the website listed beneath the list. Simply pop in your postcode and see which companies are listed for you.

As we mentioned above we would strongly recommend that you get competitive quotes from our trusted lenders. They have the resources to ensure a high-quality customer service (they’ve both been around for 100+ years) while being able to provide the same local service you need.




Incubus Finance Ltd Bristol
Rogerstan Finance Ltd Cardiff
Times Finance Company Plymouth
Muirhead Financial Services Plymouth
Eugene Lamb Birmingham
Estone Personal Credit Birmingham
Homepride Finance Ltd Birmingham
Lesley Ann Birmingham
Easy Pay Midlands Ltd Birmingham
Swann Supply Manchester
Eccles Finance Manchester
Unamay Loan Finance Manchester
Diamond Financial Services Sheffield
Hoyle Direct Loans Bradford
RG & RP Logan Bradford
Ideal Credit & Loans Bradford
Conduit Newcastle
Hays Credit LLP Newcastle
Pinewood Finance Company Dagenham
Speedy Cash Croydon


Loans to your Door 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 postcodes using thousands of agents/team members to distribute and manage door to door loans. So you are almost certainly going to be living in our lenders’ catchment area. And if you live in a city – e.g. London, Leeds, Glasgow, Manchester, Belfast, Liverpool, Nottingham, Birmingham, Bolton, Hull, Grimsby, Middlesbrough & Blackpool – then chance of getting a doorstep loan is even greater.


60 Second Explainer Video

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


Doorstep Loans Guide

If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.

Got a Question about Doorstep Loans?

Answers to Common Questions

What's the difference between home credit and doorstep loans?

There is no difference – it is simply language. Home credit is a cash loan that is delivered to and repayments collected from your home by an agent/team member.

Over time these have become known as “doorstep loans”.

How long can I borrow for?

When a loan is arranged you decide on a fixed period over which you agree to repay the loan. Our lenders offer a variety of fixed periods ranging from 13 weeks to 52 weeks (existing borrowers may be able to borrow over longer periods up to 104 weeks).

Tell me about repayments and fees

To illustrate the point let’s use the representative example for Morses Club. You have borrowed £300 and have agreed to repay it over 35 weeks. Each week an agent/team member will visit you at home to collect a payment from you of £15. The amount of interest you pay is fixed.

If you were unable to make a payment one week you would contact your agent/team member. However, the total amount you repay would not increase. There are no extra or hidden charges. You can rest easy knowing that the total amount you agreed to repay at the start of the loan will not increase for any reason.

How do I apply for a doorstep loan?

We work with the 3 largest UK national lenders – lenders you can trust and whose reputation has been built up over the last 80 to 140 years! We recommend you apply through us to them rather than consider a more local doorstep lender who may not have the experience of our lenders.

With this in mind, you can compare our lenders and then decide which one looks right for you.

My credit rating is not good. Is this a problem when applying for a loan?

All applications are considered equally and even if you have previous CCJs or defaults you may still qualify for a doorstep loan. Lenders do undertake credit checks but this does not mean that you will necessarily be refused a loan.

However, lenders are not able to accept applications from anyone who has been declared bankrupt in the last 6 years.

Do I need to own my home to get a loan?

Certainly not. In fact a high proportion of borrowers do not own their home. As these are small loans they are unsecured which means you don’t need to own a property.

Can I repay my loan early?

If you find yourself in a situation where you can repay your loan early then it will generally be advantageous to do so. You will be able to reduce your total interest payable on the loan.

Our lenders have slightly different policies on this. Your agent/team member can explain more to you.

What if I am struggling to make the weekly repayments?

As with other forms of borrowing or bill paying you should always be open about your situation if you are finding payments difficult to keep on top of. Lenders are no different to utility companies or your local council – they are obliged to try to help you if money is tight.

They can look at reducing weekly payments to help reduce the load. The first thing to do is to speak to your agent/team member.


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Written/Reviewed by: Amanda Gillam

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