Doorstep loans

Loans from the convenience of your own home

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294.4% APR
Representative
Slow 08m 20s
Application Time
Okay
Representative Example: If you borrow £100 over 29 weeks at a Representative rate of 294.4% APR and an annual interest rate of 80.29% (fixed), you would pay 29 weekly instalments of £5.00. The total charge for credit will be £45.00 and the total amount payable will be £145.00.

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for AJ Cockle Finance

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Average customer rating

0 out of 5

Key Facts
Loan amount: £100 - £1,000
Loan term: 29 - 29 weeks

Top choice for

  • Short term convenient borrowing option

Watch out for

  • They have limited coverage of Essex and East London only
  • You must be a homeowner or a tenant

Fees & charges

  • Maximum APR 294.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
756.5% APR
Representative
OK 03m 23s
Application Time
Okay
Representative Example: If you borrow £200 over 20 weeks at a Representative rate of 756.5% APR and an annual interest rate of 50.00% (fixed), you would pay 20 weekly instalments of £15.00. The total charge for credit will be £100.00 and the total amount payable will be £300.00.

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for Morses Club

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0 out of 5

Key Facts
Loan amount: £100 - £1,000
Loan term: 20 - 50 weeks

Top choice for

  • You do not need to have a bank account or direct debit facilities
  • They will consider your application if you have bad credit
  • You do not need to employed to get a loan with them
  • They have good coverage of the UK

Watch out for

  • You must live within an area an agent operates in - check their website and enter your postcode to find out
  • You will need to provide: proof of ID and proof of address
  • You will need to provide them with a relative's personal details

Fees & charges

  • Maximum APR 756.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
295.2% APR
Representative
Slow 08m 20s
Application Time
Good
Representative Example: If you borrow £200 over 27 weeks at a Representative rate of 295.2% APR and an annual interest rate of 80.63% (fixed), you would pay 27 weekly instalments of £10.50. The total charge for credit will be £83.50 and the total amount payable will be £283.50.

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for Estone Personal Credit

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Average customer rating

0 out of 5

Key Facts
Loan amount: £50 - £1,000
Loan term: 12 - 102 weeks

Top choice for

  • You get your own weekly repayment card
  • Simple application process
  • They offer fixed weekly repayments, so you know how much you are paying back

Watch out for

  • You must be a homeowner or tenant
  • You cannot have an intercom based property
  • They have a limited coverage of the West Midlands only

Fees & charges

  • Maximum APR 451.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
481.4% APR
Representative
Slow 08m 20s
Application Time
Okay
Representative Example: If you borrow £200 over 20 weeks at a Representative rate of 481.4% APR and an annual interest rate of 104.29% (fixed), you would pay 20 weekly instalments of £14.00. The total charge for credit will be £80.00 and the total amount payable will be £280.00.

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for Skyline Direct

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Average customer rating

0 out of 5

Key Facts
Loan amount: £100 - £500
Loan term: 20 - 30 weeks

Top choice for

  • They consider customer applications with bad credit
  • You do not need to have a bank account
  • Short term borrowing option

Watch out for

  • You must be based in Scotland or Northern Ireland
  • You must be over 18 years of age
  • You cannot have a buzzer entry property

Fees & charges

  • Maximum APR 481.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
732.7% APR
Representative
Slow 08m 20s
Application Time
Okay
Representative Example: If you borrow £225 over 24 weeks at a Representative rate of 732.7% APR and an annual interest rate of 130.00% (fixed), you would pay 24 weekly instalments of £15.00. The total charge for credit will be £135.00 and the total amount payable will be £360.00.

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for Loansathome4u

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0 out of 5

Key Facts
Loan amount: £100 - £600
Loan term: 24 - 75 weeks

Top choice for

  • A loan agent will come to your home to give you a consulation
  • They have agents all over England, Scotland and Wales
  • Flexible repayments
  • No hidden charges

Watch out for

  • You must meet with one of their agents as part of the application process
  • You must be over 18 years of age

Fees & charges

  • Maximum APR 732.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
104% APR
Representative
Slow 08m 20s
Application Time
Good
Representative Example: If you borrow £500 over 51 weeks at a Representative rate of 104.00% APR and an annual interest rate of 104.00% (fixed), you would pay 15 weekly instalment of £13.80. The total charge for credit will be £200.00 and the total amount payable will be £700.00.

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for Mutual

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Average customer rating

0 out of 5

Key Facts
Loan amount: £100 - £1,000
Loan term: 26 - 102 weeks

Top choice for

  • You do not need to be employed. It doesn't matter if you are a carer, on benefits, on Job Seeker's Allowance or a homemaker
  • You do not need to have a bank account or direct debit facilities
  • You do not need to have a good credit history

Watch out for

  • You must be 18 years of age or older to apply
  • You must have been a UK resident for one year or longer
  • You must live within an area an agent operates in - check their website and enter your postcode to find out
  • You must not live in a buzzer entry home

Fees & charges

  • Maximum APR 104%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
399.7% APR
Representative
OK 02m 04s
Application Time
Good
Representative Example: If you borrow £200 over 32 weeks at a Representative rate of 399.7% APR and an annual interest rate of 97.5% (fixed), you would pay 32 weekly instalments of £10.00. The total charge for credit will be £120.00 and the total amount payable will be £320.00.

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for Provident

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Average customer rating

0 out of 5

Key Facts
Loan amount: £100 - £1,000
Loan term: 14 - 110 weeks

Top choice for

  • No upfront fees
  • No late payment charges
  • Consider those with a poor credit history
  • Do not require you to be in employment
  • Do not require a bank account
  • Existing customers can apply for up to £2500

Watch out for

  • High-cost short-term product
  • Having a payday loan showing on your credit file can affect your ability to get accepted for a mortgage
  • Weekly repayments
  • To start your application you will need a to supply personal details including your NI number and previous address history

Fees & charges

  • Maximum APR 1068.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0

Doorstep loans

Doorstep loans, also known as home collected credit are cash loans delivered to your doorstep. They’re one of the few lender types that pay your loan in cash and not into your bank account. Subsequently, doorstep loans are a popular choice amongst consumers who don’t have a bank account. So, if you don’t need a bank account for this type of loan then how do you make the repayments? They’re collected from your home by a representative of the lender.

Your loan is arranged after an initial online or telephone enquiry and then followed up by a home interview with one of the company’s representatives. They’ll take some details from you and assess whether you’ll be able to repay the loan. From initial enquiry to payout, turnaround is normally 3-5 working days. 

What not to do 

Most doorstep lenders will not report your repayment history back to a credit reference agency. That means this product is not a credit builder - so if you’ve got a bad credit profile and you’re looking to take out a small amount of credit to rebuild your credit rating, this type of borrowing is not going to help you. If you have a good credit rating you’re also on the wrong page as  you'll be able to access APR’s of less than 10% by applying for either a bank or supermarket loan.  

Acceptance criteria

As these types of loans are collected from your doorstep, companies can decide not to lend to you based on where you live and one of their primary requirements is that you can’t live in a block of flats that has a buzzer to gain entry into the building. Doorstep lenders can also choose not to lend to you based on your age. Like any other loan you have to be over 18, but some lenders in this sector won't lend to you unless you’re over 21 and in some cases, over 25.

Pricing and things to watch out for

Expect high rates for the convenience of a doorstep loan with representative APRs between 190% and 650% APR. You’ll be making weekly payments with repayment periods from 14 weeks to 52 weeks. Doorstep lenders offer loans from £50 - £1000, but it is worth noting that some companies offer less to new customers and will only lend out upwards of £500 if you’re an existing customer. Doorstep lenders use self-employed collections agents who live in the community that they work in. If you make an application to a doorstep lender make sure you know the name of the person who is coming to see you, prior to their visit. When they arrive, check their ID and confirm that they are representing a licensed lender.

Final word

Warning - doorstep lenders offer high cost credit and provide what the Choose Wisely team have dubbed a loan of last resort. If you have poor credit and are looking for a personal loan, in the majority of cases rather than opting for a doorstep loan you’ll be better of comparing options using our bad credit comparison tables.

You can personalise these results with our loan search

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

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