Doorstep loans no credit check UK


doorstep loans
doorstep loans

What are doorstep loans and how do they work?

Doorstep loans, also called home credit or door-to-door loans, are small personal loans that you set up face-to-face with a lender’s agent. These are for folks who might have trouble getting regular bank loans.

Here’s how they work:

  1. Application: You can apply by talking directly to a lender or having their agent visit your home. They’ll check out your finances and see if you qualify.
  2. Approval: If you’re approved, they’ll give you the loan either in cash or through a bank transfer, right at your doorstep. You’ll agree on how and when to pay it back.
  3. Repayment: A rep from the lender will drop by your place regularly to collect your payments. It’s convenient, but it also means the lender knows where you live.

Key stuff about doorstep loans:

  • Small amounts: They usually range from £100 to £2,000, meant for smaller needs.
  • Short terms: These loans are quick, lasting from 13 to 52 weeks.
  • No credit check: Some lenders might skip the usual credit check, making it easier to get a loan. But watch out, as they might charge more interest due to the higher risk.

What is the maximum amount that can be borrowed with a doorstep loan?

LenderMaximum Loan Amount
Cockle Finance£2,500
Morses Club£750
Drafty£3,000 (line of credit)
Lending Stream£1,500 (new customers), £3,000 (existing customers)

The most you can get from a doorstep loan varies by lender, but it usually falls between £100 and £2,000. If you’re looking for more, it’s rare and likely needs top-notch credit and financial status. Remember, doorstep loans are short-term, so you’re looking at a payback period of a year or less. Keep it in mind!

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What is the repayment period for doorstep loans?

Doorstep loans come with repayment periods ranging from 13 to 52 weeks, with most falling in the 26-39 week sweet spot. This short-term setup matches their purpose—to tackle urgent expenses or fill temporary financial gaps.

Quick rundown:

  • 13-26 weeks: Short and snappy, great for those needing quick cash and can wrap it up in a few months.
  • 26-39 weeks: The standard. Spreads payments over a reasonable time, hitting that sweet spot for many borrowers.
  • 40-52 weeks: Uncommon, but some lenders might stretch it to a year for those needing more time to settle up.


To snag a doorstep loan, you’ll need to check these boxes:

  • Age: Be at least 18.
  • UK Residency: Live in the UK with a legit address.
  • Regular Income: Bring in the dough through work, benefits, or pensions.
  • Employment Status: Employed full-time, part-time, or self-employed.
  • Income Stability: Keep that money flowing steadily.
  • Creditworthiness: Some do a credit check, some don’t. Either way, they’ll peek at your credit history.
  • Affordability: Show you can handle the repayments without breaking a sweat.
  • Repayment Habits: They might snoop into your repayment history with other lenders.
  • Address Verification: Prove where you live with a recent bill or bank statement.
  • Identity Verification: Whip out that passport or driver’s license to prove you’re you.

Are doorstep loans legal in the UK?

Yes, doorstep loans are legal in the UK, but there are rules to play by. Doorstep lenders need the nod from the Financial Conduct Authority (FCA) to operate. This means they’ve passed the FCA’s tests on financial stability, business practices, and how they treat customers.

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Legal lowdown:

  • Authorisation: They must get the green light from the FCA before lending to folks in the UK.
  • Transparency: Doorstep lenders spill the beans on everything—interest rates, fees, and when you need to cough up. No hiding the downsides.
  • Fair Treatment: No funny business allowed. No sneaky sales tactics or unfair loan terms. The FCA keeps them in check.

If a doorstep lender breaks the rules, the FCA has some heavy tools:

  • Fines: Ouch, that hurts the wallet.
  • Business Changes: They can make lenders switch up how they do things.
  • Bans: If they’re really misbehaving, the FCA can kick them out of the game.

To help you stay in the clear:

  • Consumer Website: FCA’s got a site to guide you.
  • Complaints Handling: They’ve got a system to sort out issues.
  • Free Debt Advice: If you’re in a tight spot, the FCA’s got your back.

Before diving into a doorstep loan, make sure the lender is FCA-approved. Read the fine print too. If things go south, hit up the FCA for help.

Reputable lenders offering doorstep loans without a credit check in the UK?

It’s like a double-edged sword with doorstep loans that skip the credit check. Sure, it might seem easier to get your hands on some cash, but watch out for the hidden sting—higher interest rates and fees. Lenders taking this route are often in the dark about your financial history, so they charge more to cover the risk of you not paying up.

Here are a few names you might want to check out if you’re considering doorstep loans without a credit check:

  1. Morses Club: They’re known for good customer service and responsible lending. Loans range from £200 to £750.
  2. Drafty: A player in the alternative finance game. They offer fair terms on loans ranging from £50 to £5,000, doorstep style.
  3. Lending Stream: These guys use a peer-to-peer approach. Loans range from £50 to £1,500 for newbies and up to £3,000 for existing customers.
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Remember, even if they skip the credit check, doorstep loans can bite back with high interest, sneaky fees, and maybe some heavy-handed tactics. If you can swing it, consider safer options like secured or personal loans from reputable lenders. Always play it safe!


From the maximum loan amounts to the repayment periods and eligibility criteria, each step demands attention. While the convenience of doorstep loans beckons, the risks, especially with no credit checks, should not be overlooked.

As you explore reputable lenders, consider alternatives and always ensure the legality of your chosen path. Remember, financial doors open best when approached with knowledge and prudence.

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