Morses Club

  • Borrow £300 to £1,000
  • Repay over 39 or 52 wks
  • Fixed weekly payments
  • Friendly Rep to support you
  • Multiple loan options
  • Subject to affordability
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morses club

About Morses Club

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

Morses Club is a leading home credit provider in the UK offering small cash loans. These loans are from £300 to £1,000 for new customers (existing customers can borrow £100 to £1,500) subject to affordability. Once you’ve applied you’ll know within minutes if you’ve been initially approved. Final details are dealt with by contact from an agent. They have a strong reputation and have helped people for over 80 years. In 2015 Morses Club acquired the Shopacheck business.

Morses Club offers a comprehensive range of convenient cash loans. The loans are provided with weekly repayments paid by you at an agreed time.

Loan Summary:

  • Small unsecured loans from £300 – £1,000 subject to affordability
    • repay in weekly instalments – 39 or 52 weeks
    • existing customers can borrow £100 to £1,500 subject to affordability.
  • You may still be considered even if you have a poor credit history or CCJs
  • Affordable, fixed repayments that keep you in control
  • No hidden fees – only pay what you agreed to upfront
  • You don’t normally need a bank account or a debit card – choose between cash delivered to your door or to your bank account if you have one
  • It’s free to apply and you’re under no obligation after you’ve applied. Your application will incur a credit search that will be recorded on your credit file.

Representative Example:

£400 loan repayable over 39 weeks at £18.96 per week, rate of interest 113.46% p.a fixed; Representative 498.78% APR. Total amount payable is £739.44.


New Customers: Loan Options#

Loan Amount (£) Loan Term (weeks) APR+
300 – 500 39 498.78%
600 – 1,000 39 or 52 342.94%

+ over the longest available loan term
# existing customers can borrow £100 to £1,500 with loans over £300 also available over 52 weeks.

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Apply to Morses Club

Representative Example: £400 loan repayable over 39 weeks at £18.96 per week, rate of interest 113.46% p.a fixed. Representative 498.78% APR. Total amount payable is £739.44.

Compare Morses Club to Other Lenders

For clarity here are the key differences of Morses Club to the “typical” or “average” doorstep loan lender:


  • They now offer the largest loan amounts of any doorstep lender for new customers (note: Provident are no longer lending at all)
  • They offer the lowest annual interest rate of any major home credit lender
  • They have a great rating of 4.3 out of 5 on Trustpilot based on nearly 3000 reviews
  • They provide a mobile phone app to ensure your account management is easy
  • Your loan can be paid in cash, paid into your bank account (if you have one) or credited to a prepayment card to make online purchasing easier if you don’t have a bank account
  • They cover the whole UK


  • Doorstep loans also known as home credit are a high-cost form of credit. You may wish to explore other credit options before committing to a doorstep loan.

Morses Club’s Representative Example

£400 loan repayable over 39 weeks at £18.96 per week, rate of interest 113.46% p.a fixed; Representative 498.78% APR. Total amount payable is £739.44.

How to find Morses Club

Registered Office Address:

Building 1, The Phoenix Centre, 1 Colliers Way, Nottingham, NG8 6AT

Office Hours:

Mon – Fri: 08.30 – 18.00

Important Links:


Privacy policy

Terms & conditions

Company Information

Company Registration

Morses Club PLC has its registered office at Building 1, The Phoenix Centre, 1 Colliers Way, Nottingham, NG8 6AT. Company registration number 06793980.

FCA Registration

Morses Club PLC is authorised and regulated by the Financial Conduct Authority with firm reference number 707379.

ICO Data Protection Registration

Morses Club PLC is registered with Information Commissioner, registration number Z1684084.


News about Morses Club

When there is news it will appear here.

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 the 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 Morses Club?

Answers to Common Questions

How do I get a doorstep loan from Morses Club?

Applying for a Morses Club loan is straightforward:

  • complete the online application form
  • if you are approved a local agent will visit at an agreed day/time
  • when your agent visits they will do affordability checks and other paperwork
  • you can decide if you want the loan paid as cash, credited to a Morses Club prepayment card, or paid into your bank account if you have one
Is Morses Club a payday loan?

No, Morses Club provides home credit otherwise know as doorstep loans. Although the loan amounts are similar doorstep loans have three very important differences to payday loans:

  • they are typically organised face to face with an agent visiting you at home
  • they are repaid over a longer period
  • repayments are made weekly in small manageable amounts
How do I get the Morses Club app?

The customer app is designed to help you keep track of your loan at all times – whether you’re at home or on the move. This video explains how the app can help you. It only takes a couple of minutes to register.

What does the customer app allow me to do?

As well as being very convenient the customer app allows you to do numerous things:

  • view your loan balance and payment history
  • make a repayment using your debit card
  • discover when you might be eligible for another loan
  • update your contact preferences

All this while still getting the personal contact of an agent.

How do I repay Morses Club?

You repay your loan in small weekly amounts. Typically these are collected from you at home by an agent. However, you also have the option of making payments from a debit card and this can be done via the phone app.

Will I be credit checked?

Your current credit rating is not the key deciding factor as to whether you are offered a loan. However, Morses Club will need to make sure that you do satisfy the following criteria when applying for a loan:

  • you are a UK resident, aged 18+ and have a regular income
  • that in the last 6 years you have not been declared bankrupt, applied for sequestration, had a debt relief order or an IVA.
  • that you can demonstrate you can afford the loan repayments (via an affordability assessment)
Want to clean up your credit file? Read our detailed guide.
What's the link between Morses Club and Shopacheck?

You may have previously dealt with a company called Shopacheck. They merged with Morses Club on 1st March 2015 and now belong to Morses Club PLC. Shopacheck is now a trading style of Morses Club PLC.

Is Morses Club part of Provident?

Morses Club and Provident Personal Credit are two completely unrelated businesses, but both offer home credit. Both have long histories of offering this type of credit. If someone talks about having a “provident loan” then this could simply mean they have a doorstep loan. The loan may have been provided by an entirely different lender to Provident.


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Written/Reviewed by: Amanda Gillam

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