Step 1: What's your full address?

Please enter your postcode below to see if we cover the area in which you live.

Good news, we operate in your area. Please fill out the enquiry form below.

Step 2: A bit about you...

Step 3: How your loan is issued

With a Morses Club Card your loan will be loaded onto one of our cards giving you access to the following additional services:

Morses Club Card
  • Free ATM cash withdrawals*
  • Access to cashback rewards at selected retailers!
  • Use your card to shop online or on the high street
  • Security - the card is also PIN protected
  • Track your spending using the customer portal and mobile app!
Morses Club Card

*UK only – the Morses Club Card cannot be used outside of the UK.

If you would like a Morses Club Card please indicate below:

Step 4: Getting in touch...

As a Responsible Lender and members of the Consumer Credit Association, we would like to confirm that you are happy for us to visit you at your home address to discuss your application and personal loan requirements. Please tick to confirm that you would like one of our representatives to visit you for this purpose.

We would love to keep you up to date with our latest products, services and loan offers.

If you are happy for us to do this please indicate below:

To help provide you with the best possible service, we use an independent research company to conduct customer surveys on our behalf.

If you are happy to be contacted to discuss how you feel about our service please indicate below.

Offers & Discounts

Would you like to sign up to our Offers & Discounts e-mail and get the latest shopping vouchers & offers straight into your inbox?

Step 5: Our terms & conditions

We protect all the information you give us under the Data Protection Act, and we are full members of the UK Consumer Credit Association. You can view our full terms & conditions as well as our privacy policy here on our website.

Relaxyou're in safe hands

Consumer Credit Association Consumer Credit Trade Association

Representative Example:

£200 loan repayable over 20 weeks at £15.00 per week, Rate of interest 50% fixed; Representative 756.5% APR, Total Amount Payable is £300.

How lucky you are to be so young

We can only provide loans to people over the age of 18

We are responsible lenders

Unfortunately, we are unable to lend to persons over the age of 70.

Postcode Out of Area

Unfortunately we do not currently have any Agents in the area where you live and cannot offer you a loan at this time. If you are interested in becoming an Agent for Morses Club please click here for more information.

Terms & Conditions

1. This website is provided by Morses Club PLC.

2. Use of this website constitutes acceptance of the Morses Club PLC Terms and Conditions.

3. This website and its content are for information purposes only. Morses Club PLC has tried to ensure the usefulness and accuracy of the information provided, but does not make any representation, or accept any responsibility or liability for the accuracy or completeness of this information, nor it's suitability to be used for a particular purpose. Nothing in these terms shall exclude or restrict any liability that we may owe to a customer under the regulatory system.

4. This website may contain links to other websites, which are not under the control of us nor maintained by us. We are not responsible for the content of such websites and do not endorse, edit or vet the material on such websites. We exclude all liability arising or resulting there from.

5. Morses Club PLC may revise these terms at any time by updating this posting. You should visit this page from time to time to review the 'then current' Terms because they are binding to you.


Morses Club expressly dissociates itself from all contents of linked pages. Brand names and trademarks included in the content of the news sections may be protected by third parties and rights are subject to the ownership rights of the owner. Morses Club can take no responsibility for quality, completeness, timeliness or accuracy of all automatically included news and presents the content without guarantee. Therefore, liability for any damages is excluded. Morses Club reserves the right to suspend, or remove any part of the news section or the whole news section in its entirety without justification at any time.

Privacy Policy

Why do we have a privacy policy?

We have developed this policy because we want you to feel confident about the privacy and security of your personal information. Morses Club is registered under the data protection laws in the United Kingdom and takes all reasonable care to prevent any unauthorised access to your personal information. When we refer to "personal information" in this privacy policy, we mean information which identifies you as an individual, or is capable of doing so. Accordingly, we may hold and use data about you in your capacity as a consumer, or when you visit our website to ensure we are providing you with a relevant and useful online experience.

Please read this privacy policy carefully. By using our website you are agreeing to the use of your personal information as set out in this privacy policy.

What does this privacy policy cover?

This privacy policy only applies to how Morses Club deals with your personal information. It does not apply to any other company or to any other company's websites even if you access them through Morses Club. If you disclose your personal information to other companies your information will be dealt with according to their privacy practices.

What personal information do we collect about you, and when do we collect it?

In order for Morses Club to continually improve and enhance its customer service, we may from time to time use Data provided by you for quality and training purposes.

We may ask you for information to enable us to provide a service to you and we collect this information by telephone, written correspondence or via our website. We may ask you for information including your name, private/business address, contact telephone numbers, and email address. We may also ask you for other information that relates to the service you are using or applying for. For example, we may need details of your financial circumstances when processing your loan application.

We collect information about your use of our website and services (such as the amount of time you spend on our website), which we use to optimise our services and your experience with us.

  • When you visit our website you will be assigned an individual number; this allows us to monitor how individual users behave on our website and means we can monitor their online activity. We do not store any personal information gathered in this way, and information gathered will only be used for statistical purposes. Please read our Cookie Policy for more information about what Cookies we use.
  • We may ask you from time to time about what use you make of the services we provide, what other services you would like us to provide in the future, and for other information, such as lifestyle data.

We collect information from visitors to our websites to help us to make improvements to the websites and to the services we make available. We know, for instance, how many visitors there are to each website, when they visited, for how long and to which areas of our website they went. We may also monitor and record our communications with you, including e-mails and phone conversations. Information which we collect may then be used for training purposes, quality assurance, to record details about the products and services you order from us, and in order to meet our legal and regulatory obligations generally.

Third parties may use cookies and similar technologies to collect or receive information from this website and elsewhere on the internet. They may use this information to provide measurement services and target ads. Users can opt-out of the collection and use of information for ad targeting at

What personal information do we collect about you from other companies and organisations?

We may receive personal information about you from other companies and organisations (for example, for marketing purposes) and we rely on these third parties to obtain your consent for us to use this information. Where required, we will also ask you to confirm and accept conditions and terms associated with each of our services you use.

Credit checking and account management

  1. Please note that when you apply for a loan with Morses Club we may make enquiries about you for credit reference purposes. These enquiries include searching your records held by CallCredit or any other Credit Reference Agency (CRA) and checking any details held on you by the Interactive Media in retail Group (IMRG) Security alert or other Fraud Prevention Agencies (FPAs). When CRAs receive a search from us they will place a footprint on your file that may be seen by other organisations. At all times where your information is disclosed to us we may retain it and we will protect it in accordance with this policy and keep it secure. We will retain the outcome of searches we carry out with CRAs to avoid having to make repeat searches against your credit file in circumstances where we may need to carry out further credit checks in respect of additional products or services ordered by you. We will only retain this data for a reasonable period.
  2. If you call us to discuss your loan account(s) we will carry out checks to verify your identity. We do this to help protect you from identity theft and fraud, and also to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your account with us.
  3. Information on applications will be sent to CRAs and will be recorded by them. We may also give them details of your accounts including how you manage any payments you make to us, your account balances, and any payment defaults [We may also give them historical information we hold about your payment history with us.] If you do not make your repayments on time, CRAs will record this information and it may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe to them as well as us.

How to find out more

You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.

  • Callcredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414 or log on to;
  • Equifax PLC, Credit File Advice Centre, PO Box1140, Bradford, BD1 5US or call 0844 3350550 or log on to;
  • Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to;

Do we share your personal information with anyone else?

As a normal part of our business we may share your details with other carefully selected partner companies to help provide you with your loan. To enable them to do this, we may need to share your personal information with them. When we do so, these companies are required to act in accordance with the instructions we give them and they must meet the requirements of the Data Protection Act to keep the information secure.

We may share your personal information to disclose information about you with our nominated Market Research Company in order to carry out Market Research.

If your loan account with us falls into arrears we may pass your details to other Collection Agencies.

We may share your personal information with other companies so that they can contact you with details of other products or services you may be interested in. We will only do this if you have agreed to this and where the companies agree to use your personal information for that purpose only. If you have agreed to receive information about products and services from another company and later decide not to you will need to contact that company yourself to let them know. You can of course ask us not to continue to provide your personal information to any more companies in future.

In addition we may disclose your personal details to our auditors, solicitors, professional advisors, sub-contractors or any person providing services to Morses Club PLC and, who have agreed to treat your personal details as confidential.

We may provide information, in response to properly made requests, for the purposes of the prevention and detection of crime, and the apprehension or prosecution of offenders. We may also provide information for the purpose of safeguarding national security. In either case we do so in accordance with the Data Protection Act. We also provide information when required to do so by law, for example under a court order, or in response to properly made demands, under powers contained in legislation or regulation.

If there is a change (or prospective change) in the ownership of Morses Club PLC or any of its assets, we may disclose personal information to the new (or prospective) owner. If we do so, we will require them to keep it confidential.

For how long does Morses Club keep personal information?

The time period for which we keep information varies according to what the information is used for. We comply with all legal requirements to keep data for a minimum period. Unless there is a specific legal requirement for us to keep the information, we will retain it for no longer than is necessary for the purposes for which the data was collected or for which it is to be further processed.

How can I find out what personal information Morses Club holds about me?

Under the Data Protection Act, you are entitled to see personal information we may hold on you.

This may include (but is not limited to):

  • Copy of your Loan Agreement
  • Your Loan Application Form (S33)
  • Your payment history with us
  • Statement of Account
  • Customer Notes
  • Any charges applied to your account

If you would like us to provide copies, you must put your request in writing, enclosing a cheque for £10 made payable to Morses Club PLC and send to Morses Club, Customer Services Team, Kingston House, Centre 27 Business Park, Woodhead Road, Birstall, Batley, WF17 9TD.

In addition, you are entitled to the following information under the Consumer Credit Act:

  • A copy of your current or active Loan Agreement(s)
  • A copy of your Statement of Account for your current or active Loan Agreement(s)

We are entitled to make a nominal charge of £1 to process this information under the Consumer Credit Act.

If you would like us to provide copies, you must put your request in writing, enclosing a cheque for £1 made payable to Morses Club PLC and send to Morses Club, Customer Services Team, Kingston House, Centre 27 Business Park, Woodhead Road, Birstall, Batley, WF17 9TD.

You will also need to provide the following information so that we can process your request:

  • The relevant account number/s
  • The relevant telephone number/s
  • The relevant address/s

If you have any information such as reference numbers, dates and times of contact then please include them in your request.

(Morses Club does record some calls for Quality and Training purposes, however, not all calls are recorded. Calls are only held for a short period of time. If you want a call recording it is essential that you provide the information requested above, otherwise we will not be able to proceed with your request).

Once we have all the relevant information we will process your request within the 40 day time limit allowed under the terms of The Data Protection Act.

How can I change the personal information Morses Club holds about me?

If the information we hold about you is inaccurate, please contact us and we will make the necessary amendments and confirm that these have been made.

How can I manage Morses Club's contact with me for marketing purposes?

You may choose not to receive marketing information from Morses Club and, if you are already receiving such information from us, you can ask us to stop at any time. If you would like Morses Club not to call or mail you with details of products, services and special offers, please Contact us.

How do we protect your personal information?

We are serious about guarding the security of your personal information and the details of any transactions or applications made. We take appropriate organisational and technical security measures to protect your data against unauthorised disclosure or processing. We use a secure server to store the information you give us when you register or make an order (including your credit card details and your password). Any personal data you send us on-line is securely encrypted.

How do you find out about changes to our privacy policy?

We may change our privacy policy from time to time. New policies will be published on our web sites.