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Answers to your questions about doorstep loans

Need a small cash sum but don't have a bank account?

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Doorstep Loans

  • Cash sums up to £2500 (subject to affordability)
  • Repay over 13 - 104 wks
  • Fixed weekly payments
  • Friendly home service
  • No bank account needed
  • Multiple loan options


Although doorstep loans are a well established form of lending you may still have plenty of questions you'd like answering. So, we've put together this FAQ that hopefully will answer any questions that you have.

Doorstep Loans Questions & Answers?

What's the difference between home credit and doorstep loans?

There is no difference - it is simply language. Home credit is a cash loan that is delivered to and repayments collected from your home by an agent/team member. Over time these have become known as "doorstep loans".

How long can I borrow for?

When a loan is arranged you decide on a fixed period over which you agree to repay the loan. Our lenders offer a variety of fixed periods ranging from 13 weeks to 52 weeks (existing borrowers may be able to borrow over longer periods up to 104 weeks).

Tell me about repayments and fees

To illustrate the point let's use the representative example for Provident Loans. You have borrowed £200 and have agreed to repay it over 26 weeks. Each week an agent/team member will visit you at home to collect a payment from you of £12. The amount of interest you pay is fixed. If you were unable to make a payment one week you would contact your agent/team member. However, the total amount you repay would not increase. There are no extra or hidden charges. You can rest easy knowing that the total amount you agreed to repay at the start of the loan will not increase for any reason. The one thing to be aware of is that if you choose to make a payment by cheque - if your bank bounces the cheque because of insufficient funds you are likely to incur a fee of £11. 

How do I apply for a doorstep loan?

We work with the 2 largest UK national lenders - lenders you can trust and whose reputation has been built up over the last 80 to 100 years! We recommend you apply through us to them rather than consider a more local doorstep lender who may not have the experience of our lenders. With this in mind you can compare our lenders and then decide which one looks right for you.

My credit rating is not good. Is this a problem when applying for a loan?

All applications are considered equally and even if you have previous CCJs or defaults you may still qualify for a doorstep loan. Lenders do undertake credit checks but this does not mean that you will necessarily be refused a loan. However, lenders are not able to accept applications from anyone who has been declared bankrupt in the last 6 years.

Do I need to own my home to get a loan?

Certainly not. In fact a high proportion of borrowers do not own their home. As these are small loans they are unsecured which means you don't need to own a property.

Can I repay my loan early?

If you find yourself in a situation where you can repay your loan early then it will generally be advantageous to do so. You will be able to reduce your total interest payable on the loan. Our lenders have slightly different policies on this. Your agent/team member can explain more to you.

What if I am struggling to make the weekly repayments?

As with other forms of borrowing or bill paying you should always be open about your situation if you are finding payments difficult to keep on top of. Lenders are no different to utility companies or your local council - they are obliged to try to help you if money is tight. They can look at reducing weekly payments to help reduce the load. The first thing to do is to speak to your agent/team member.

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