Shopacheck Doorstep Loans

Shopacheck merged with Morses Club in March 2015

Doorstep Lending Paused - COVID-19 has presented us all with many challenges that have increased in previous weeks and escalated further since Monday. The safeguarding of our customers and employees is utmost and as such Provident (Home Credit) has made the decision to stop all new business activity and our colleagues in the field will be unable to service any new applications until further notice. This is a temporary measure and we will provide updates as soon as we can.

Looking for a £100 to £1,000 Doorstep Loan?

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

Looking for a £100 - £1,000 cash loan delivered to your door, then Provident Personal Credit can help:

  • Could help even if you’ve be turned down elsewhere
  • Bad credit, defaults & CCJs OK
  • Accept self-employed & unemployed
  • Tenants and non-homeowners OK
  • No hidden fees
  • Manageable weekly cash re-payments
  • Find out more

Frequently Asked Questions

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.

Yes 👍

Shopacheck was a doorstep loan (home credit) company. A Provident 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.

Cash loans from 💷

  • From £100 to £1,000
  • From 13 to 52 weeks

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

  • Manageable weekly repayments
  • Do not need a bank account as the loan is received and repaid in cash
  • The convenience of the cash being delivered then picked up from your home

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

  • For example, for £500 loan over 52 weeks there is are 52 weekly payments of £18, total repaid is £936 with an APR of 299.3%.
  • For other amounts and timescales see the Loan Calculator

Yes 👍 *

  • Guarantor loans are typically the best value poor credit loans with Representative APR’s typically around 49.9% compared to 535.3% for a doorstep loan.
  • 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. Getting quotes
    • Has no credit score impact
    • Is free
    • Is no obligation

* Subject to status

Quick and Easy 🏃💨

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


Online poor credit loans from £500 to £15,000

Compared to a home credit loan you could borrow more at lower rates *


Get quotes in 3-minutes for the loans you've been accepted for

  • Borrow £500 - £15,000
  • Quotes in 3 mins
  • Poor credit OK
  • Great rates from 29%
  • Same day payouts
  • High acceptance rate
Family Pointing

Representative Example - if you borrow £1,000 over 12 months, repaying £103.06 per month, total repayable is £1,236.72 with an interest rate of 49.9% (variable).

* Subject to affordability and your credit score(a guarantor may be required)

  • one simple form
  • up to 27 lenders
  • instant quotes
  • all online
  • no obligation
  • free service
  • secure