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Doorstep Loans Explained
All Your Questions Answered |
Doorstep loans are small cash loans that are delivered to your door and the manageable repayments are collected weekly, also from your doorstep, by your own friendly, local agent. Also known as door step loans, door to door loans, home collected loans, home collected credit or just home credit, these doorstep loans enable you to borrow between £50 and £500 over a period of up to 12 months with larger amounts available from £200 to £15,000 over a longer period to suit.
What Can I Use The Money For?
Home collected credit offers you a fast cash loan to your door when you need it most - when that emergency or unexpected bill lands on the mat ... perhaps the car has broken down, the heating won’t work, the oven needs to be replaced, there’s a school trip you want your child to go on, maybe you want to do some decorating or home improvements or perhaps you just want that hard earned, long overdue holiday in the sun or to get married! What you need the money for and how you spend the door to door loan is totally up to you.
Who Can Apply?
Application for a door step loan is very simple, straightforward and fast and is via the online form you will find by clicking here. Anyone can apply and so if you think you have a poor credit rating or a bad credit history you are still welcome to apply. In fact, if you have arrears, defaults, even CCJs you can still apply and if you only work part-time, are retired, on benefits you will still be considered so put us to the test. We consider each application on your ability to repay the loan in the future and not on what may have happened in the past.
As the small cash loans are unsecured you do not need to be a homeowner in order to apply, council tenant, private tenant, living with parents etc is absolutely fine. We offer a national doorstep loan service meaning that you can apply wherever you live as long as it’s in the UK.
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Doorstep Loans
£50 to £500
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Loans To Your Door
£200 to £15,000
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How Much Can I Borrow?
You can borrow any amount between £50 and £500 but we will only lend as much as we believe you can comfortably afford to repay. We offer simple, small cash loans to your door with straightforward fixed repayments and absolutely no hidden charges. By using the doorstep loans calculator you can work out exactly how much it will cost you before you apply for a door to door loan.
The Application Process
First of all you need to fill in the online application form for a door to door loan after which you will receive an instant decision, in principle. If all is OK with your initial application you will then get to meet your friendly local agent who will arrange to visit you in order to discuss and agree your loan face to face. This is your chance to ask as many questions as you wish and to make sure you are 100% happy with your home credit loan before you make any commitment. Once you are happy with everything you will then receive your small cash loan.
Your Local Agents
You can trust us because we ONLY deal with established and reputable home credit providers, companies that you will know and trust and whose licences, terms, conditions and security policies are clear, open, honest and easy to understand.
Your local agent does NOT receive commission on how much they lend. They are, however, incentivised on the repayments they collect. This means that your agent will not encourage you to borrow, or keep borrowing, more than you can comfortably afford to repay.
How Do I Repay?
For a doortsep loan of up to £500 repayments can be over a maximum of 52 weeks and will be collected from your doorstep weekly or fortnightly at a time to suit you. The weekly repayment will be fixed and will not vary over time and with no hidden charges you will always be in control and know exactly where you stand. It will be explained to you that interest rates for doorstep loans may be higher than certain other loans because your loan is over a shorter period and may reflect the additional risk to the lender but rest assured we will not lend you the money until you understand and are happy with the terms and cost of repayments. You will also have your own payment book to enable you to track your payments over the agreed period of your home credit loan.
For a larger cash loan to your door of up to £15,000 repayments can be spread over a much longer period and are dependant on how much you borrow. These loans are tailored to suit you and your circumstances.
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Doorstep Loans
£50 to £500
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Loans To Your Door
£200 to £15,000
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Doorstep Loans Explained
