Doorstep Loans Made Easy

Need a loan but tired of

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  • Banks saying “NO”
  • Expensive payday & short term finance
  • Filling out loads of application forms


We take the pain of borrowing money

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  • Poor financial history is not a problem
  • Affordable rates and no hidden fees
  • One quick simple application form to multiple lenders*

One simple application will get you multiple offers in minutes

*Multiple offers and lenders apply to over £750 only

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Doorstep Loans, also known as home credit, are usually low value, short term loans where the lender will collect the repayments in person.

Once the loan has been approved an agent, working on behalf of the lender, will visit your home to give you the loan and will then return usually on a weekly basis to collect the repayments. All transactions are stored in a log book.

Loans are usually arranged within 24 hours and, as the agent collects the repayments personally, you do not need to have a bank account in order to borrow money. This makes the loans particularly suitable for emergency and very short term borrowing.

Repayment schedules are flexible and, as you see an agent in person, you are able to discuss any problems with them as soon as they arise. As with all loans it is important that you are honest about your ability to make the repayments.

how much

no risk free
  • No credit checking*
  • No obligation to take out finance
  • No application fees
  • Secure online application

Frequently Asked Questions

Who can apply for a loan?

Most people are eligible as long as they are more than 18 years of age and can prove their identity and address. You will also need to be able to prove your income so the lender can be sure that you are able to fulfil the terms of the repayment schedule.

How much can I borrow?

Loans available are usually between £100 and £1000. These loans have a higher than average APR and are therefore not suitable to medium to long-term borrowing. It is, therefore, important you keep up your repayment schedule or you will find yourself paying back much more than you needed to. Some lenders will restrict the amount you can borrow initially but will allow larger loans as you build a relationship with your agent and prove you can make the repayments.

I have a poor credit history and have been turned down for other loans, can you help?

Under most circumstances our lenders will be able to help even if you have a poor credit history or mortgage arrears. The amount you can borrow will be decided with these things in mind so our lenders can be sure that you can afford the loan and the repayments. It is not in the interests of the loan companies to lend more than you can afford and this might mean that initially they are only happy to lend a very small amount, some lenders restrict first loans to £100. Once you have shown that you can make these payments it should be possible to borrow more.

How often will I need to make repayments?

As these are generally very low value loans the repayments tend to be every seven days and this will be agreed with the agent when they first come to meet you. By paying back on a weekly basis it keeps the interest rates down and allows you to make regular smaller payments rather than larger monthly ones.

4 Easy Steps

1. Calculator

Calculate how much you can afford to borrow and for how long

2. Easy Online Form

One quick online form to our panel of multiple lenders

3. Multiple Offers

Receive a choice of no obligation offers from multiple lenders

4. Get Your Money

Send off your preferred offer and get your cash

What the newspapers say:


“a good stepping-stone for those with limited borrowing options”

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“guarantor borrowing can be less painful – and help repair debt-history damage”

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Apply now

£50 to £500 pay out in as quickly as one hour, £500 to £10,000 in 24 hours after receipt of a completed application

Borrowing + interest & fees of = Total to repay
* Based on repaying after 30 days

Borrowing over your repayments will be approx. per month and in total. For actual figures hit Get My Loan to get a choice of free, no obligation loan offers from the best bad credit loans lenders in the UK.

Risk Free Guarantee

no risk free
  • No credit checking*
  • No obligation to take out finance
  • No application or broker fees
  • Secure online application

More Frequently Asked Questions

I have had an unexpected windfall, can I pay off my loan?

We would always recommend that you talk to your lender at the outset to establish exactly what would happen in these circumstances. Generally there are no early repayment fees but it is important that you discuss this at the earliest possible time. With such small amounts it is quite likely that you could find yourself able to pay the loan back sooner than you expect so always keep this in mind when you apply.

Will the loan affect my credit score?

Yes, it will. All loans are stored on your credit file and regular repayments will have a positive effect on your credit score while missed or late payments will have a negative impact. It is very important, therefore, that you keep up all payments and inform your lender immediately if there is a problem.

What happens if I miss my agent’s visit?

It is considered the responsibility of the borrower to ensure that payments are made on time and this includes being at home when the agent comes to collect payment. If the circumstances are unforeseen and you were unable to inform the agent that you would not be able to meet them you will be expected to make the payment in another way. These will differ from company to company but many will allow payments by debit card, cheque or postal order.

I need a loan today, how quickly can I have the money?

Unfortunately, in most cases, loans are only available about 24 hours after approval. If you need the money sooner than that you will need to apply for a different type of short term loan but it is important that you keep in mind that these will probably be subject to a higher rate of APR and may cost you more in the long term. If you think you can wait until the following day we recommend you try to do so in order to save money.

Apply now

£50 to £500 in as quickly as one hour

£500 to £10,000 in 24 hours after receipt of completed application