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Home credit 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

Home Credit

Small Cash Loans of £100 to £2500

Home credit (often known as "doorstep loans") is a form of cash credit that has existed in the UK since the early 1900s. But this doesn't mean that the service you get is "old-fashioned". Far from it. Our chosen partners take pride in making sure you get a truly personal service. Like many other types of loan you can apply online to ensure your application is dealt with quickly.

This form of lending means:

  • Small cash loans of £100 to £1000 for new customers (and up to £2500 for existing customers) subject to affordability.
  • Loans are managed on face to face basis by team members/agents visiting you at home
  • Repayments are fixed weekly amounts for a fixed number of weeks (typically 13 to 52)
  • No hidden costs or charges - even if you miss a payment or two

Who might want to use Home Credit?

If you have a modest income and sometimes you find you need that little bit extra to see you through until your next pay check or social payment then you might want to consider using home credit. Applying for home credit is easy. We work with the UK's two largest home credit companies - while there are other companies on a regional or local basis we have chosen to work with these companies because of their high levels of customer service, competitive rates and strong brand reputation. In other words we trust them.


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Consider Home Credit rather than a Payday Loan

If you have used or have been tempted to use a payday loan to satisfy a need for a small cash sum (perhaps to meet an emergency need or a blip in your budgeting) then you'll probably be pleasantly surprised by the convenience and cost of home credit as an alternative.

Other Benefits of a Home Credit Loan

You don't need:

  • a bank account
  • perfect credit (although you can't have been bankrupt in the last 6 years)
  • to own your home
  • a guarantor

As with all types of loans you will need to demonstrate that you can afford the repayments. The agent who visits you after you have applied will run through your income and outgoings to ensure that making repayments will not put you under any undue financial stress.

More about Home Credit Agents & Team Members

Home credit is a face to face business with agents/team members (mostly women) making weekly visits to collect payments from borrowers. This personal approach has many advantages over the faceless methods used by providers of other types of loans. It means you are dealing with someone who is more likely to understand your personal situation and who can make decisions there and then on your behalf, something that would be impossible if you dealt with a call centre operator.

Often the agent/team member lives in your community and it is not uncommon for them to have been a user of home credit themselves before becoming an agent/team member.

Compare the price of home collected and other cash loans available in your area at

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About Doorstep Loans

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When it comes to getting you your doorstep loan our online service is second to none. In fact has scored 4.6 out of 5 based on 203 ratings & 21 user reviews for its doorstep loan service.

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