Making Sense Of Money

Doorstep Loans

doorstep loans for bad creditDoorstep loans are incredibly popular due to their flexibility, personal service and, in particular, because of a less formal credit check procedure making them a realistic option to those with bad credit or those who may struggle to obtain finance through the “normal” High Street, channels. You may know or hear them referred to by several different names as well as a doorstep loans – bad credit cash loans, home collected credit or, just simply, home credit.

In simple terms they are described as short term loans that are delivered to your door and the repayments are collected from your home, usually weekly, by a local agent.

A doorstep loan often comes with no official credit checks, instead the lenders prefer to focus on an affordability check to make sure the repayments are comfortable moving forwards. That means not relying on a automated, computer based approached but instead giving you the opportunity to talk face to face with a real person and in the comfort of your own home. This local agent will administer the process from start to finish – initially handling the application, discussing the loan, checking affordability, making sure it’s right and all aspects are understood, delivering the loan, collecting the repayments and checking for any unforeseen problems.

Doorstep loans are fast, flexible, affordable and available which makes them one of the most popular forms of personal borrowing around today. Cash loans to your door with a human touch … borrowing the way it used to be!



How Does A UK Doorstep Loan Work?

Let’s look at the whole process from start to finish:

Before you start you will usually need to be aged between 18 and 74, be a UK resident, agree to a credit check and agree to a home visit from an agent. You may not even need to have a bank account.

Shop around for a local lender or national lender who covers your area. At this stage it’s absolutely vital that you go for a licenced lender only. All reputable home credit providers are required to be registered by the Financial Conduct Authority and hold a consumer credit license. You should check this on the official FCA website: .

Licensed lenders also have to comply with legal obligations for dealing with customers, including the use of proper paperwork and fair collection methods so always choose your doorstep lender carefully and ensure they comply to these legal requirements.

If you so much as suspect that a lender is not all they claim to be DON’T deal with them.

Once you’ve decided on a company (or companies) you will usually be required to complete an application online or over the telephone. There will be personal questions to answer as they’ll need to check that you are who you say you are and live where you claim to live.

Navigate to your chosen lenders website, click the apply button and have the following information to hand:

Personal information including your National Insurance Number

Address details covering the last 3 years

Phone number and email address

Remember that proof of ID will be required and presented to the agent

This initial application will enable the lender to make an in principle decision – if you cannot satisfy the basic requirements at this stage the application will be declined.

Assuming everything is OK you will then be contacted by your local agent who will arrange to pay a visit to your home at a time convenient with you.

At this face to face meeting the agent will discuss all aspects of the loan and complete an affordability assessment to ensure that the repayments are within your means. You will then be provided with a quote which will state the cost of the loan.

Don’t just accept this first quote, instead pay a visit to Lenders Compared This website is an official website that’s free to use and acts as a completely independent price comparison website for home credit and bad credit doorstep loans. It will give you peace of mind that your loan is quoted at competitive rates.

You will have to chance to decide ow much to borrow (usually from £100 and up to £1,000) and over what term (typically up to 1 year or 52 weeks). The size and term will affect the cost of borrowing. With a home collected loan YOU are in control – the amount you borrow is down to you and the repayment terms can also be tailored to suit you. They can be set over a few weeks or up to a maximum of a year or so making the repayment both small and manageable.

Only when you are completely happy about the lender, the loan and the terms and conditions should you then sign on the dotted line – again, via your agent.

Once everything is completed all that remains is for your agent to deliver your loan and agree a day and time each week when it’s convenient to call and collect the weekly repayments.

It’s absolutely vital that if your circumstances change or you get into difficulty that you let your agent know right away … they can help you.
It’s as easy as that … some say it’s too easy and too available and perhaps it is.

You may be able to get doorstep loans with bad credit, if you’re unemployed, a student, retired or working part time. They are personal loans so what you spend the money on is up to you and they are not secured so you don’t need to own a house to be eligible. Bad credit, no credit history, arrears and even CCJs are also OK.

Whilst there are many other forms of lending available there are very few that offer the flexibility and convenience of doorstep loans – any purpose cash loans that are delivered to your door and repayments collected in the same way over a term to suit you and all that plus an incredibly flexible lending criteria.

All this does make them incredibly available and tempting so we suggest that you really do think long and hard before committing to a doorstep loan. Do you really need the money, do you really need to borrow and is there another way.


Popular Questions


Why Are They Called Doorstep Loans?

Simple really – because the whole process, from application to repayment, is handled in your own home. Hence why they’re also known as home credit, home collected credit, door to door loans or loans to your door.


Doorstep Loans For People On Benefits Or Unemployed?

Often a question asked … are doorstep loans available to people on benefits and the answer is that many lenders WILL consider this as long as the affordability assessment stacks up.


Doorstep Loans No Credit Checks ?

A credit check will usually be carried out but mainly to check you are who you say you are. A decision as to whether to lend or not will be made as a result of the affordability check rather than the credit check. In other words a decision to lend will be made on the ability to repay moving forward rather than on anything that may have happened in the past.


How Much Can I Borrow?

Every lender is different but typically from as little as £100 and up to a maximum of £1,000


Doorstep Loans Weekly Repayments?

Usually you will be able to split the repayments into small, manageable amounts which will be collected, in person, on a weekly basis ove a term to suit you but typically up to a maximum of 52 weeks.


Are Doorstep Lenders Loan Sharks?

We mentioned earlier that you should ONLY borrow from a licensed lender – and that’s worth reiterating because the home credit market is associated with loan sharks.

Remember, there will be plenty of genuine, reputable lenders who will consider borrowing you money even if you’re on low income, have a bad credit rating, or only need the cash short term.

An unauthorised lender is called a loan shark. These are unauthorised lenders who operate outside of the law. They therefore are associated with providing loans on bad terms, pay extremely high rates of interest, pressure and harass if you get behind with repayments and pressure you into more and more borrowing.

If you find yourself in the position that you are under no legal obligation to repay the debt but you should contact the Trading Standards Office immediately on 0300 123 6262 or visit the Government website


What Are The Alternatives?

A more cost effective alternative could be borrowing from a credit union … worth checking out.
Need your cash a little quicker – then check out our urgent bad credit loans or, for larger amounts, our selection of bad credit unsecured loans.

Also included in this section are alternative, similar, instalment loans – small cash loans that, like doorstep loans, can be paid off in weekly or regular instalments but without the personal, door to door service.

Of course, the best alternative would be not to borrow at all. So please consider this and think if there is another way … borrowing from family or friends, selling unwanted possessions or saving up.

Listed below you will find plenty of other related articles detailing the specifics of doorstep loans in the UK – we hope you find them useful and informative.


Home Collection Loans – A Guide To Safe Borrowing

Posted by on 10:02 am in Doorstep Loans For Bad Credit | 0 comments

Home Collection Loans – A Guide To Safe Borrowing

Home collection loans are personal loans that require no security and hence are readily available to a wide section of the UK population. They are relatively small cash loans which are arranged face to face with an agent who will call round to visit you in your own home to discuss and agree your application. The loan will then be delivered to your door, often by the same agent who will then also call round at an agreed interval to collect the repayments. Home collection loans go under various other names and are most often referred to as home...

read more

Home Credit Doorstep Loans

Posted by on 8:54 pm in Doorstep Loans For Bad Credit | 0 comments

Home Credit Doorstep Loans

Doorstep loans, also known as home credit loans, are small cash loans whereby an individual borrowers money and the lender then collects repayments by calling at the borrower’s home. Much of the application process is completed in-person with a local agent and due to the highly flexible nature of these products, loan approvals are typically granted according to the borrower’s ability to repay, as opposed to a standard credit review. This is why home credit doorstep loans are very appealing to people with low income as well as...

read more

Doorstep Lenders UK, Find The Right One

Posted by on 10:08 pm in Doorstep Loans For Bad Credit | 0 comments

Doorstep Lenders UK, Find The Right One

You’ve done the research, done the thinking and decided that a doorstep loan is right for you – so how do you go about finding  the best value loan and the right doorstep lender in the UK? Everything you need is available on a free, independent website by the name of Just another comparison site you may assume but you’d be very wrong, it’s a completely free resource and an independent price comparison website specifically for the doorstep loans (or home credit) market. There’s no sponsorship, no adverts and no...

read more

Loans For Unemployed – Are You Sure?

Posted by on 7:57 pm in Bad Credit Loans, Doorstep Loans For Bad Credit | 0 comments

Loans For Unemployed – Are You Sure?

If you don’t have a job it doesn’t necessarily mean you won’t be able to get a loan as more and more specialist lenders open their doors to loans for unemployed throughout the UK. If you think you’re going to get thousands of pounds think again – the best you can hope for is a small cash loan of a few hundred pounds or so with repayments structure divided up into small regular instalments to make them affordable, even on a low income from benefits or a pension. Enter the home credit doorstep loans for unemployed people. A doorstep loan is...

read more

Doorstep Loans No Credit Checks … Really?

Posted by on 10:41 pm in Doorstep Loans For Bad Credit | 0 comments

Doorstep Loans No Credit Checks … Really?

One of the big attractions of home credit is the open lending criteria set by the lenders making these small cash loans accessible to a vastly wider market than the banks or so called high street institutions are prepared to service – does this mean that with doorstep loans no credit checks are required? You’ve only got to read the adverts to see that homeowners, tenants, those working full time, part time, retired or  even on benefits will be considered equally and, that’s not all, the applicant is not even required to have an unblemished...

read more

Doorstep Loans – Be Careful

Posted by on 7:31 pm in Doorstep Loans For Bad Credit | 0 comments

Doorstep Loans – Be Careful

When it comes to doorstep loans be careful. You only have to search the internet to read some of the horror stories and adverse press relating to doorstep loans – a quick search just now uncovered headlines suggesting that doorstep lenders are preying on those in debt and targeting the venerable, doorstep lenders make money out of misery,  debt-ridden disabled people are turning to doorstep lenders to make ends meet, the dangers of doorstep loans, families resort to doorstep loans to pay for Christmas. We’re not suggesting that home credit is...

read more

Doorstep Collected Loans – The Safety Of Home Credit

Posted by on 8:57 pm in Doorstep Loans For Bad Credit | 0 comments

Doorstep Collected Loans – The Safety Of Home Credit

Doorstep lending has been the subject of a great deal of publicity over recent years … and not all of it good! That’s why the home credit industry has tidied up its act and legislation put in place in order to protect the consumer from loan sharks, improve perception and restore the confidence in these home collected loans. Doorstep collected loans provide access to small cash loans that, whilst interest rates may often be high, are made simple and affordable and structured so that they are available and appealing to those on lower...

read more

Loans To Your Door

Posted by on 9:11 pm in Doorstep Loans For Bad Credit | 0 comments

Loans To Your Door

These days everything seems to be more and more automated and impersonal and most financial services have gone the same way but there’s one option that’s retained its human touch and personal service – cash loans to your door in the form of the good old doorstep loan. Doorstep loans differ from traditional loans in the fact that you’re dealing face to face with a real person, an actual human being, throughout the whole process. Better still, the transaction is completed without the need for a trip to the bank instead the lenders agent will...

read more

Doorstep Loans Made Simple

Posted by on 7:47 pm in Doorstep Loans For Bad Credit | 0 comments

Doorstep Loans Made Simple

DEFINED AS: Unsecured, often short term, small cash loans delivered to your door and the repayments collected in the same way.  Doorstep loans go by a number of different names – they are also known as a door to door loans, cash loans, home collected loans, home collected credit or just home credit. Whatever name they go by they offer a friendly, personal service and the provision of small cash loans straight to your door, with the manageable repayments collected each week by your own friendly, local agent. What Are Doorstep Loans...

read more

Bad Credit Doorstep Loans

Posted by on 7:28 pm in Doorstep Loans For Bad Credit | 0 comments

Bad Credit Doorstep Loans

Anyone with a less than perfect credit history will find it difficult to get a loan from any of the high street institutions … especially in these current difficult times. That’s why the doorstep loan is proving so popular these days by providing small cash loans without the need for a credit check instead, the decision to lend or not is based on the applicants ability to comfortably repay the loan moving forward. Whenever an application for credit is made a credit check to one of the UKs credit agencies is made. This agency will check...

read more