Shopacheck was part of the Cattle Group, formed by Joseph Cattle in Hull in 1927. After an initial start in retailing, the group began to offer home credit as a way of allowing their customers to spread the costs of purchases over a longer period of time. Repayment was made, much like now, through agents on a weekly basis. After several mergers, the group was organised under the Shopacheck name in the early 1980s. Shopacheck specialised in small cash, or doorstep, loans which were under the management of a collection agent who would come for cash repayments on a weekly basis. These repayments were logged in a dedicated book so you could see exactly how much was still outstanding at any time. Loans of up to £1,000 were usually available with a typical APR in 2011 of around 254.5%. These loans were designed to be very short term and were available to most people who could demonstrate that they were able to afford the repayments. They were even happy to provide loans to people with CCJs, poor credit history or no bank account.

Lenders accept borrowers that many other bad credit lenders turn down 😀 Manageable weekly repayments Note the new COVID safe lending practices UK Bank Account is required Cash is not delivered to your door but transferred to your bank account

Shopacheck is now Morses Club

SHOPACHECK IS NO LONGER ACTIVE

Shopacheck was a small loan provider who were bought by the Perpignon Group and merged with Morses Club in March 2015

Find out more about Morses Club below:

Home > Doorstep Loans > Shopacheck

Looking for a £100 to £400 Doorstep Loan?

Could help even if you’ve be turned down elsewhere

Quick and convenient cash loans for uncertain times

Bad credit, defaults & CCJs OK
Accept self-employed & unemployed
Tenants and non-homeowners OK
No hidden fees
Manageable weekly cash re-payments

4.6 out of 5 Rating from 1,893 Reviews on uk.trustpilot.com

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Frequently Asked Questions

Who were Shopacheck?

Shopacheck was part of the Cattle Group, formed by Joseph Cattle in Hull in 1927.

After an initial start in retailing, the group began to offer home credit as a way of allowing their customers to spread the costs of purchases over a longer period of time.
Repayment was made, much like now, through agents on a weekly basis. After several mergers, the group was organised under the Shopacheck name in the early 1980s.
Shopacheck specialised in small cash, or doorstep, loans which were under the management of a collection agent who would come for cash repayments on a weekly basis.
These repayments were logged in a dedicated book so you could see exactly how much was still outstanding at any time.
Loans of up to £1,000 were usually available with a typical APR in 2011 of around 254.5%.
These loans were designed to be very short term and were available to most people who could demonstrate that they were able to afford the repayments.
They were even happy to provide loans to people with CCJs, poor credit history or no bank account.

Is there a Shopacheck alternative?

Yes 👍

Shopacheck was a doorstep loan (home credit) company. A Morses Club loan has all the same great features:

Cash loan delivered directly your home
Weekly repayments collected by an agent from your door
Accept borrowers that many other companies turn down

NOTE, DUE TO COVID-19 SAFE LENDING PRACTICES, CURRENTLY

UK bank account is required
Loans are paid into your bank account
Weekly repayments are made from your bank account

How much can I borrow and for how long?

For new customers

From £100 to £400
From 13 to 52 weeks

For existing customers

From £100 to £1,500

Why a doorstep loan?

Lenders accept borrowers that many other bad credit lenders turn down 😀

Manageable weekly repayments
Note the new COVID safe lending practices
- UK Bank Account is required
- Cash is not delivered to your door but transferred to your bank account

What will the loan cost?

This depends on how much you borrow and for how long 🧮

For example, for £200 loan over 34 weeks there are 34 weekly payments of £10, the total repaid is £340 with a rate of interest of 107.1%. Representative 466.37% APR
For other amounts and timescales see the Loan Calculator

Are there cheaper loan options?

Yes 👍 *

Guarantor loans are typically the best value poor credit loans with Representative APR’s typically around 49.9%
Though they require a guarantor, someone with a clean credit history to back your application, someone who may be required to make the loan repayments if you ever stopped.
To get no obligation guarantor loan quotes click here
- No credit score impact
- Is free
- Is no obligation

* Subject to status

How do I apply for a home credit loan?

Quick and Easy 🏃💨

Simply Click Here, select your loan amount and term then fill out the application form

APPLY NOW

convenient loans
bad credit okay
manageable weekly re-payments
help those turned down by others

Representative APR: 79.5% (variable)

Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months.

Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY

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

Please read the terms and conditions of your loan agreement before applying.

*Subject to lender’s requirements and approval. Cash within 60 minutes is available but is dependent on if your bank accepts faster payments. If not, cash could take 24 to 48 to arrive.