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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 and conditions of use

Introduction

This website is operated and provided by Morses Club PLC(“we”, “us”, “our”). Our company registration number is 06793980.

By using our website, you agree to all of the terms and conditions as set out below (“Terms of Use”) which will govern your use of our website.

These Terms of Use are effective from 10/04/2017. We may change these Terms of Use from time to time by updating this page. We will not necessarily bring changes or updates to your attention so please revisit this page periodically to re-read these Terms of Use and to ensure you are aware of any changes. Your use of the website after a change has been made constitutes your acceptance of the amended Terms of Use.

How to Contact Us

If you have any queries regarding the website or any of the information or materials contained on or in it, or about any part of these Terms of Use, you can contact us.

Using the website

These Terms of Use set out the basic rules that govern your use of the website to make contact with us, to read about the products or services offered by us, including our loans and related services (“Products”) and for all other purposes as may be relevant to your use of the website from time to time.

The website content is intended to be advisory only. In the terms and conditions of your loan agreement (including if you apply to enter into one with us) you will see separate terms and conditions. These do not govern your use of our website.

Terms of Use

  • 1. Intellectual Property
    • 1.1 We are the owner or the licensee of all copyright, design rights, database rights, trademarks and other intellectual property rights in the website, and in the material published on it. Your use of the website grants no rights to you in relation to our intellectual property rights or the intellectual property rights of third parties. All such rights not expressly granted are reserved.
    • 1.2 If you are using the website and have access to a printer then permission is hereby granted to electronically copy and to print in hard copy portions of the content of the website for the sole purpose of your own personal use of this as an information resource for our Products, provided any copy which you make retains all copyright and other proprietary notices. Any other use of materials on the website, including reproduction for purposes other than the above, modification, distribution or republication without our prior written consent is prohibited.
    • 1.3 If you print, copy or download any part of the content on the website in breach of these Terms of Use, we reserve the right to suspend or terminate your use of the website immediately and you must, at our option, return or destroy any copies of the materials you have made.
    • 1.4 Any infringement of our rights or those of our service and technology providers or group companies may result in appropriate legal action being taken against you.
    • 1.5 Brand names and trademarks included in the content of the news sections or blogs may be protected by third parties and rights are subject to the ownership rights of the owner.
  • 2. Privacy
    • 2.1 These Terms of Use refer to our Website Privacy Policy which also applies to your use of our website. Our Privacy Policy sets out the terms on which we process any personal information that we collect from you, or that you provide to us. By using our website you are agreeing to the use of your personal information as set out in our privacy policy and you warrant that all personal information provided by you is accurate.
  • 3. Access
    • 3.1 We do not guarantee that our website, or any content on it, will always be available or uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.
  • 4. Links to Third Party websites and Restrictions
    • 4.1 The use of third party websites is entirely at your own risk. Links contained in the website are provided for information only and will lead to other websites which may not be under our control, and we do not make any representation as to the accuracy, completeness, timeliness or suitability of information on those other websites and we accept no liability for the content of any linked site or any link contained in a linked site. Links provided on the website are provided to you only for convenience and the inclusion of any link does not imply reliability and endorsement by us of the content of any third party’s website. Morses Club expressly dissociates itself from all contents of linked pages. Morses Club can take no responsibility for quality, completeness, timeliness or accuracy of all automatically included news and presents the content without guarantee. 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.
    • 4.2 These Terms of Use do not apply to any third party linked to from the website. You should read the terms and conditions of those other websites before using them and direct any questions or comments about the content of those other websites to the person or entity who controls the relevant website.
    • 4.3 You are not entitled (nor will you assist others) to set up links from any other websites to the website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion.
    • 4.4 You agree that when accessing the website you shall not price scrape or harvest pricing or any other content from the website, either manually or by use of a web spider, web robot or any other web crawling technology.
  • 5. Disclaimer of liability
    • 5.1 This website and its content are for information purposes only. While we have taken reasonable steps to ensure the accuracy and completeness of the information on the website, all such information is provided on an “as is” basis and, except where prohibited by law, we give no warranty and make no representation regarding the accuracy or completeness of its content. Morses Club 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.
    • 5.2 Some of the information contained on the website may have been prepared or provided by third parties. Except where prohibited by law, no warranty is given that the website will be available on an uninterrupted basis and, save as required by law, no liability can be accepted in respect of losses or damages arising out of such unavailability.
    • 5.3 All express warranties, representations, conditions of any kind or other terms implied by statute or common law with respect to the website or the information, content, materials or products included on the website are hereby expressly excluded to the fullest extent permitted by law. Except where prohibited by law, we shall not be liable in any circumstances for any direct or indirect, special or consequential loss or damage (whether for profit or loss or otherwise) costs, claims, expenses or other claims for compensation whatsoever, whether caused by our acts, omissions or negligence or the acts, omissions or negligence of our employees or agents, which arise out of or in connection with the use of the website or the information, content materials or products included on the website, except in respect of death or personal injury caused by us, our employees’, or our agents’ proven negligence, fraud or fraudulent misrepresentation, breach of our statutory obligations which apply in connection with the sale and supply of products and services and which cannot be excluded by operation of law, or any matter for which it would be illegal for us to exclude or attempt to exclude our liability. Nothing in these Terms of Use shall exclude or restrict any liability that we may owe to a customer under the regulatory system.
    • 5.4 In addition, except where prohibited by law, we are not liable to you for any of the following (whether or not we were advised of, or knew of, the possibility of such losses) whether arising from any claim arising out of or in connection with the use of the website, including without limitation, under any tort, including negligence, for breach of contract, for misrepresentation (other than fraudulent misrepresentation), intellectual property infringement or under any statute or otherwise:
      • 5.4.1 any losses or damages arising out of changes made to the content of the website by unauthorised third parties;
      • 5.4.2 any loss of business, data, profits, revenue, goodwill, use or anticipated savings;
      • 5.4.3 any claims from third parties;
      • 5.4.4 loss or damage to your, or any third party’s, data or records;
      • 5.4.5 any delay in, or failure of, performance of our obligations under these Terms of Use arising from any cause beyond our reasonable control including any of the following: act of God, governmental act, war, fire, flood, explosion or civil commotion, failure in information technology or telecommunications services, failure of a third party (including failure to supply data) and industrial action;
      • 5.4.6 except as expressly provided in these Terms of Use, we exclude all representations, conditions and warranties whether express or implied (by statute or otherwise) to the fullest extent permitted by law.
  • 6. Security
    • 6.1 Please remember that the Internet is not a secure medium. Communications over the Internet such as e-mails are not secure, even if they have been encrypted. We seek to keep secure all confidential information and personal information submitted to us through the website, in accordance with our obligations under applicable laws and regulations. However, in common with all website operators, we cannot guarantee the security of any data transmitted through the website (except where the same is encrypted using methods we have approved or prescribed). Please do not communicate with us through the website, or otherwise use the website, unless you accept the security implications of dealing online. Information you send through the website is sent at your own risk.
  • 7. Statement of Misuse
    • 7.1 We reserve the right to prevent your usage of the website if you misuse the contents contained within the website in any manner. We are the final arbiter as to what shall constitute misuse and our decision will be final.
  • 8. Miscellaneous
    • 8.1 In these Terms of Use the words “include”, “including”, “includes”, “such as”, “in particular” and any similar expression are to be construed as if they were immediately followed by the words “without limitation”.
    • 8.2 These Terms of Use and any non-contractual obligations arising out of or in connection with them, are governed by English law. In the event of any dispute or claim relating to the website, these Terms of Use or any non-contractual obligations arising out of or in connection with them, then all website users to whom these Terms of Use relate agree to the resolution of such claim or dispute in the English courts, in accordance with English law.
    • 8.3 If any provision of these Terms of Use is found to be invalid or unenforceable by a court, including without limitation the liability limitations or exclusions, it will be severed from the rest of these Terms of Use which shall remain unaffected.
    • 8.4 No delay or failure by us to exercise any powers, rights or remedies under these Terms of Use will operate as a waiver of them, nor will any single or partial exercise of any such powers, rights or remedies preclude any other or further exercise of them.
    • 8.5 We may, at any time, assign any or all of our rights or obligations under these Terms of Use to any person. This includes without limitation any person who takes on responsibility for operating the website This includes assignments where necessary as part of any restructuring relating to our companies, business or assets, or as part of a sale of Shelby Finance Limited, our parent company Morses Club PLC, or their business or assets.
    • 8.6 Rights such as may be granted to any and all website users, and obligations as may be incurred by any such person, in each case pursuant to these Terms of Use, relate only to those persons, and they may not be transferred to any third party whatsoever.

Last updated: 10/04/2017

Privacy Policy

Why do we have a website privacy policy?

We have developed this policy because we want you to feel confident about the privacy and security of your personal information and because we would like to explain how we will use and process it. Morses Club PLC is your data controller and it is registered under the data protection laws in the United KingdomZ168404). Our contact details are at the end of this policy.

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 for the purposes mentioned in this website privacy policy (see below).

Please read this website 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 which is collected through our website or when we are otherwise in contact with you (for instance when you call us or email us). It does not apply to any other company (whether inside or outside our group) 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 own privacy policies and practices.

In the terms and conditions of your loan agreement you will see additional information about data protection, credit checks and how we use and share your personal information. That separate data protection notice relates specifically to our processing of your personal information in connection with the administration of your loan agreement and your application to enter into the same. In that notice, you are directed to read this website privacy policy, which is supplementary to it. In the event of conflict, the data protection notice in those terms and conditions will prevail.

Where required, we will also ask you to confirm and accept conditions and terms associated with each of our services you use (for instance, we will ask you to sign terms and conditions which are in a loan agreement if your application for a loan is successful).

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

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.

  • Our website uses cookies to distinguish you from other users of our website. 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 which Cookies we use.
  • We may ask you from time to time about what use you make of the services we provide and what other services you would like us to provide in the future.

We collect information from visitors to our website to help us to make improvements to our website and to the services we make available. We know, for instance, how many visitors there are to our website, when they visited, for how long and to which areas of our website they visited.

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

We collect personal information about you from credit reference agencies and fraud prevention agencies (further details below). In addition, we may receive personal information about you from other companies and organisations such as brokers and affiliates (including for marketing purposes) provided they have appropriate consents to permit us to use it subject to applicable data protection laws. We rely on these third parties to obtain your consent for us to use this information.

For what purposes do we use your personal information?

We may use your personal information in the following ways:

  1. To communicate with you to provide you with information about the products and services that you request from us;
  2. To perform any contract we have with you (in particular, the loan agreement);
  3. For direct marketing purposes if we have your consent to do so (further details below);
  4. To review, analyse and evaluate your use of our products and services in order to develop and improve the quality of our offerings. We may do this through the use of market research surveys, or such other methods as may be appropriate (further details below);
  5. To notify you about changes to our website, our services or our products;
  6. To ensure that content from our website is presented in the most effective manner for you and for your computer or other device;
  7. As part of our efforts to keep our website safe and secure;
  8. To ensure our records are accurate and up to date;
  9. To administer our website and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
  10. To administer our legitimate internal management analysis, audit, forecasts and business planning and transactions;
  11. To help prevent fraud and reduce credit risk (further details below);
  12. To establish, defend or exercise our legal rights;
  13. To comply with our legal, regulatory and internal governance obligations; and
  14. For monitoring and recording of telephone calls and email communications where necessary for compliance with regulatory rules or self-regulatory practices or procedures relevant to our business, to prevent or detect crime, for quality, training and security purposes (further details below).

This is not a definitive list, but is intended as a fair reflection of the uses made at the current time.

We may use your personal information to ensure we are providing you with a relevant and useful online experience. In order for Morses Club PLC to continually improve and enhance its customer service, we may from time to time use your personal information provided for quality and training purposes.

Market research and surveys

We may use your personal information for statistical purposes, surveys and research purposes in order to consider how we can improve our products, services and performance. In these cases, steps will be taken with a view to ensuring that your privacy rights are not inappropriately undermined, this may include turning personal information into anonymous data so that a person cannot be identified from it.

Credit checking and account management

  1. If you apply for a loan we will use credit scoring and other automated systems to assess your application and verify your identity. This is necessary for compliance with our legal and regulatory obligations and for our legitimate commercial interests to assess your creditworthiness and the affordability of your loan;
  2. We will search your records through one or more credit reference agencies (“CRAs”) when considering your application. CRAs supply us with details of your credit history and associated information as well as information from the electoral register which is used to verify your identify and your residence;
  3. When CRAs receive a credit check search request from us, they will always record details of this search and this means they will place a search ”footprint” on your credit file. That footprint will be seen by other lenders and persons unrelated to us (i.e. the other customers of the CRAs) if they undertake credit checks on you in the future in connection with their own financial products and services; we may carry out “soft” searches at the CRAs after the full credit check searches if we need additional verification of your identity after receiving the result of the full credit search and if we do this no-one else except you would see that we have made this additional enquiry;
  4. We and those other companies may use these records and other information to make credit decisions about you. The CRA records may also be used to make credit decisions about your current spouse or partner or any other individual identified that has been financially linked or associated with you. If you tell us that you have a personal relationship with another person that creates a joint financial unit in a similar way to a married couple (for example if you have been living at the same address at the same time) we may: search, link and/or record information at CRAs about you both; link any individual identified as your financial associate, in our own records; take both your and their information into account in future applications by either or both of you (as relevant), and continue this linking until one of you notifies us that you are no longer linked; links between all such persons will remain on your and their files at the CRAs until such time as you or the other relevant person successfully files for a disassociation with the CRAs. If your circumstances change such that you are no longer a financial unit with another person, you should contact the CRAs directly about this (details are included below);
  5. We will provide information about this agreement and your repayment performance to all of the CRAs and their details are provided under the How to find out more section (below). We report to these third parties at least once a month, including details of the payments you make, payments that you do not make on time and details on any default against this agreement. Our records will remain on your credit file for 6 years after they are closed, whether settled by you or defaulted by us;
  6. We will also check your details with fraud prevention agencies (“FPAs”) as this is necessary for compliance with our legal and regulatory obligations and for our legitimate commercial interests to verify your identity and guard against fraudulent applications and crime. Should you provide false or inaccurate information and we suspect fraud we will record this and report it to the relevant FPAs. We and other organisations may use these records to prevent fraud and money laundering, or otherwise assess these records in the future, and this may impact your ability to obtain future financial and other services;
  7. The information about credit check searches above is condensed. You can contact us (see below) if you want to receive full details of how your personal information may be used for credit check purposes.

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.

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, P O Box 491, Leeds, LS3 1WZ or call 0330 024 7574 or visit website www.callcredit.co.uk
  • Equifax Ltd, Customer Service Centre, P O Box 10036, Leicester, LE3 4FS or call 0800 014 2955 or visit www.equifax.co.uk
  • Experian, Consumer Support Centre, P O Box 9000, Nottingham, NG80 7WF or call 0344 481 0800 or visit www.experian.co.uk

Monitoring of communications

Where permitted by data protection laws and other applicable laws, we may 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 (i.e. to evidence formation of a contract, as relevant), and in order to meet our legal and regulatory obligations.

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 www.aboutads.info/choices.

Do we share your personal information with anyone else?

We will share your personal information with credit reference and fraud prevention agencies (as mentioned above). In addition, 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 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.

In addition we may disclose your personal details to our auditors, solicitors and other professional advisors, 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 data protection legislation. We also provide information where we are required to do so for compliance with applicable regulatory, governmental, law enforcement and judicial organisations.

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 decide to restructure our business, if we, or any of our assets are acquired or a third party invests in our business, they will become a data controller of your personal information. This means we will share your personal information with these types of third parties and they will be responsible for it, including for treating it appropriately, under the data protection legislation.

We may also share your personal information with other third parties, including those who conduct any services on our behalf which involve the processing of your personal information or who help us to manage aspects of our business, such as IT providers, debt collection agents, tracing agents, advisers and auditors; in addition, Morses Club PLC and other companies in the same group as us who provide services or assistance to us in relation to our business. We take steps to ensure these third parties handle your personal information securely and in accordance with applicable data protection legislation. In particular, if your loan account with us falls into arrears we may pass your details to debt collection agencies and they will use it to make contact with you (whether in person, by post, email or telephone) in order to recover the sums owed.

Transfers outside the European Economic Area

Your personal information may be transferred to countries or territories outside of the European Economic Area. This may happen when we share your personal data with the third parties mentioned above, including those who conduct any services on our behalf which involve the processing of your personal information or who help us to manage aspects of our business, such as IT providers, or who help us with the operation of our website. The recipients may be in countries or territories which have not been assessed as providing adequate protection for personal information. This means that in these countries or territories there may not be the same level of protection for personal information as is relevant in your own country. Steps will be taken with a view to putting in place adequate safeguards for personal information by us prior to any such transfer, as relevant.

Data anonymisation and use of aggregated information

We may convert your personal information into statistical or aggregated data in such a way as to ensure that you are not identified or identifiable from that data. We may use this aggregated data to conduct market research and analysis, including to produce statistical research and reports. For example, we may produce reports on which of our products and services attract the fewest or the highest number of enquiries from visitors to our website. We may share aggregated data in several ways, including for the same reasons as we might share personal information (see above).

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 first collected or for which it is to be further processed.

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

Data protection legislation means that you have certain rights including the right to access or obtain copies of the personal information we hold about you, to clarify inaccurate information and in respect of automated decision making (as relevant). Your right to access or obtain copies of your personal information may extend to (but is not limited to) some or all of the following items to the extent these amount to or contain your personal information:

  • Copy of your Loan Agreement
  • Your loan application details
  • Your payment history with us
  • Statement of Account
  • Customer Notes
  • Any charges applied to your account
  • (Morses Club does record some calls for Quality and Training purposes, however, not all calls are recorded. If you want a call recording it is essential that you provide the information requested below, otherwise we will not be able to proceed with your request).

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. We are entitled to charge a small fee for dealing with these requests (£10). Cheques should be made payable to Morse Club PLC. We reserve the right to request confirmation of your identity before we process any such request.

You can exercise your other rights by contacting us in the ways described above or by contacting our Customer Services Team)

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

Please tell us if your personal information including contact details or address change at any time so that we can update our records. If some of the information we hold about you is inaccurate (for instance because you have changed your marital status or name, or moved house, or changed your telephone number or email address), please contact us and we will make the necessary amendments. Our contact details for this purpose are set out in our Contact Us page.

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

If you have provided your consent to receive direct marketing communications, for instance when you submit your name and contact details through our website, or when you apply for a loan, we will use your contact information to communicate with you in relation to products and services which you have confirmed you would like to hear about from us. We may contact you for this marketing purpose by post, SMS, telephone or email.

To change your marketing preferences, you can contact us. We will process your request within a reasonable period of time.

Any marketing communication by email or SMS which are from us will also include details of how you unsubscribe.

How do we protect the security of 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 technical and organisational measures to protect against unauthorised or unlawful processing of your personal information and against accidental loss or destruction of, or damage to, your personal information.

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

We may change our privacy policy from time to time. Updated versions will be made public on this website. You are encouraged to visit this privacy policy regularly when you visit our site – to ensure that you have seen the most up to date version.

Our contact details

Our contact details are set out in our Contact Us page.

Last updated: 10/04/2017