Morses Club Doorstep Loans

Providing affordable home collected credit for over 130 years

Looking for a £100 to £400 Doorstep Loan?

Cash loans brought to your door

Convenient cash loans for uncertain times

  • Loans for those turned down by others
  • Manageable weekly re-payments
  • One of the UKs largest home credit lenders
  • No upfront fees
  • Find out more
Morses Club Logo stars
4.6 out of 5 Rating from 1,893 Reviews on

4.6/5 from 1,893 reviews on

  • Lovely people to deal with,

    Lovely people to deal with, Very reliable and professional

    Keri Carroll
    1st July 2020
  • Very good company

    Very good company. Delt with everything over the telephone. Nothing complicated very easy to understand. Thank you

    Maureen Paget
    1st July 2020
  • It’s the best ever my morses rep has…

    It’s the best ever my morses rep has been amazing and very helpful. Always friendly

    Elizabeth Roberts
    1st July 2020
  • good honest company to deal with

    good honest company to deal with, very friendly and polite.

    Kathleen Fawsett
    5th July 2020
  • New loan

    Excellent company, fair prices fast transaction. Highly recommend.

    Eliza Hilton
    8th July 2020
  • Friendly

    Friendly, helpful rep. Always calls every week as agreed the prior week. Been fab at accommodating last minute changes in my schedule etc. Can’t recommend enough

    14th July 2020

Frequently Asked Questions

They specialise in home collected credit (HCC), or more commonly known as doorstep loans, or home credit.

This depends on whether you’re an existing or new customer (and is subject to affordability)

  • New Customers: from £100 to £400
  • Existing Customers: from £100 to £1,500

This is because there is a relationship with that customer, so their Morses Club Agent has better knowledge of what they can comfortably afford.

Once you’ve been a Morses Club customer for a while, and have a good payment history, you too could be eligible for the larger loans.

Yes 🚪

Operating via a network of branches throughout the UK, one of their 2,000 agents will bring the loan in cash to your home, and on a weekly basis pick up the repayments from you.

No 👍

The loan will be paid to you by a Morses Club Agent in CASH.

  • The loan repayments will be picked up from you, from you home also in cash
  • So, you do not need to have a bank account

Morses specialises in helping people with a poor credit file 😀

One of the key areas assessed, is your ability to make the weekly payments, so its not a problem if in the past you’ve on your credit report:

  • Defaults and missed payments
  • CCJs

Morses do not accept applicants who have been insolvent (bankrupt, debt relief order, IVA) in the past 6 years.

The rate charged does depend on how long the loan term is:

  • 53-weeks: representative 63% APR
  • 34-weeks: representative 37% APR
  • 22-weeks: representative 48% APR

No 👍

  • Morses Club, and this website ( have zero upfront fees for taking out a loan.
  • is completely free for you to use

A simple 3 step process

  1. Complete Morses quick online application, if this is accepted in principal then:
  2. Your local Morses agent will contact you to arrange a suitable time to finalise the application
  3. When the agent approved the loan application you will receive the cash


  1. Over the age of 18
  2. A permanent UK resident
  3. A regular income

Also not insolvent (bankrupt, debt relief order, IVA) in the past 6 years

  • cash loans
  • delivered to your door
  • no bank account needed
  • online application
  • bad credit okay
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