Morses Club Doorstep Loans

Providing affordable home-collected credit for over 130 years, find out if Morses Club is the lender for you: read some reviews, the pros & cons of their loans, and more…

Morses Club

Doorstep Loan

Borrow: £200 to £1,000
Repay over: 39 to 52 weeks


4.2/5 from 2,942 reviews on Trustpilot

Representative 498.78% APR

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

* Details are correct at the time of writing, subject to change without notice.

Allcreditloansnet Representative 49.9% APR

Representative Example: Borrow £3,250 over 36 months at a Representative Rate of 49.9% APR at an annual interest rate of 41.16% (fixed), you pay 36 instalments of £158.57. Total charge of credit is £2,464.57, total amount payable £5,714.67.

What does representative APR mean?

Morses Club Online Reviews

4.2/5 from 2,942 reviews on Trustpilot

See 10 recent reviews:

  • ⭐⭐⭐⭐⭐

    Just spoke to an agent called David…

    Just spoke to an agent called David Haynes, he was lovely and friendly and really professional. He’s an absolute credit to his job! Hassle free and helped when I needed it! Thanks again!

    Becs Dowd
    Becs Dowd
    14 Nov 2022
  • ⭐⭐⭐⭐⭐

    Had a few loans with Morse yes the…

    Had a few loans with Morse yes the interest is a bit high but it’s not as bad a other companies. Ive never had a problem with Morse great for small loans and small payments weekly seen alot of people take the loan then complain don’t take it out if you can’t pay it back

    Kris Anderson
    Kris Anderson
    3 Nov 2022
  • ⭐⭐⭐⭐⭐

    Don’t believe the negative comments

    I’ve been a Morse’s customer for over 10 years now, and I’ve got to say, most of these “reviews” seem fake, or extremely untrue at the very least.
    Yes they have high APR (has does any other “bad credit” lenders) but EVERYONE who applies for a loan KNOWS the rate before signing.
    YES they do credit checks before ANY loan is approved, regardless if you’re an existing customer or not. They HAVE TO, BY LAW!
    Some of these “complaints” are just stupidly funny. Ignorant at best lol.

    14 Oct 2022
  • ⭐⭐⭐⭐⭐

    Fast service and easy application

    Fast service and easy application all online to make it even easier. All communications straightforward and easy to confirm all documents

    03 November 2022
  • ⭐⭐⭐⭐⭐

    I needed money for an urgent trip away…

    I needed money for an urgent trip away and Morses Club helped cover the cost when I needed it by having an easy and fair process- I paid back three months early once I got paid and here we are. Please pass on my thanks to John from South Wales (Barry area) who was top class. Many Thanks, Jack.

    Jack Cole
    Jack Cole
    2 Sept 2022
  • ⭐⭐⭐⭐⭐

    This is the second time I’ve used…

    This is the second time I’ve used Morses Club and I can honestly say my experience with Emma has been second to none. Extremely professional from start to finish. An asset to any company she works for. The whole process was simple and stress free. Thank you Emma

    Edward French
    Edward French
    10 Sept 2022
  • ⭐⭐⭐⭐⭐

    I applied one day and within 2 days I…

    I applied one day and within 2 days I had the payment in my bank within 10 mins, From start to finish it was all done proffessionally. They done the checks they needed to and I was happy to go ahead. My agent, Paul from Blackburn office is very helpful and can contact him without any problems, and if he cant sort things he passes it on to management. Very Happy Thank you Paul for all your help in dealing with me.

    Paul Moye
    Paul Moye
    18 Jul 2022
  • ⭐⭐⭐⭐⭐

    Seems lots of fake reviews praising…but

    Seems lots of fake reviews praising certain agents if I’m honest,we got Lorraine from glasgow as agent no complaints,very nice,wife has friendly chit chat about life’s events when paying over phone,loans are tad expensive but when you fall on difficult times at least this company can help you when others wont due to poor credit.this is an honest review from someone who uses them.

    Patrick Murray
    Patrick Murray
    12 Jun 2022
  • ⭐⭐⭐⭐⭐

    Amazing account manager Emma

    My account manager Emma was amazing wonderful and calm she ecplained everything to me in details step by step responce in contacting me was wonderful polite friendly and caring explan the process in detail and one more thing she is a hard worker my first call she was avalible my last call after 8pm still working i would recommend your selves and service to all my friends such a lovely hard worker

    H Mahl
    H Mahl
    18 May 2022
  • ⭐⭐⭐⭐⭐

    We moved to Redditch after my daughter…

    We moved to Redditch after my daughter past away I have a new agent after talking to him he able to give me a loan so we could get my daughter ashes home with us. My agent is a true star and listen to us ALL I CAN SAY IS THANK YOU TO MY AGENT AND MORSE hand on heart ❤ thank you

    15 Jun 2022

Loan Features


498.78% APR* 39-week loan

342.94% APR* 52-week loan

Arrangement fee: £0

Early repayment fee: £0

* Representative APR

Minimum Criteria

Must be a UK resident

Must be aged 18 years or over

A regular income

Loan Highlights

For those with a bad credit history

Loans conveniently brought to your door

Good online reviews

Con’s 👎

APRs can go up to 498.78% depending on your credit history and personal circumstances.

Payments are picked up weekly from your door, which does not suit some.

The Basics ✍️

Applying to them won’t affect your credit score as they use Soft Searching Technology.

You need to be over 18 years old.

You must be able to comfortably afford the monthly loans repayments.

You must be a UK resident.

Loans are not allowed for business, gambling, or illegal purposes.

Pro’s 👍

Cash is brought to your door.

You don’t have to be a homeowner.

They offer loans to tenants and loans to people living with their parents.

They can give you a conditional decision in minutes.

About Morses Club

From London to Liverpool, from Southampton to Belfast – Morses Club has agents throughout the UK helping people to get the cash they need.

Morses Club is one of the largest providers of home credit in the UK priding themselves in a friendly and personal service.

Morses Club does not require a perfect credit rating so is a great alternative to a bank loan.


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 £200 to £1,000
  • 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.

In most cases Morses Club can deliver the money to your door 👍

You do not need a bank account, your local rep will bring the cash to your door.

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 principle 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

Company Info

Companies House Info

Co Reg No: 06793980


Address: Building 1 The Phoenix Centre, Colliers Way, Nottingham, United Kingdom, NG8 6AT

FCA Registration

FCA Ref No: 707379

Firm Name: Morses Club PLC

Principal Place of Business: Building 1, The Phoenix Centre, 1 Colliers Way, Nottingham, NG8 6ATN, UNITED KINGDOM

Data Protection Info

Reg No: Z1684084

Data Controller: Morses Club PLC

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

Other Names:

  • Morses Club

Get Accepted for a Loan

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