Emergency loans

While managing money responsibly and having savings put aside for emergencies is the ideal situation, we realise that things don't always go to plan. At Morses Club we offer small loans for those unexpected emergency costs, like a larger than usual bill or home repair.

Morses Club provides cash loans to our customers who are based all over the UK. With a short online application and all individual circumstances considered, our loans make borrowing and repaying cash simple and straightforward. Find out if you qualify for a Morses Club loan by calling us or by using our simple online application form. You'll get a decision in principle within minutes.

Why use a Morses Club loan

Once your loan has been accepted in principle, a member of our local Morses Club team will contact you to arrange an agent to call round and finalise your loan. Once your loan has been finalised, your loan will be delivered to your door.

We can offer small loans from as little as £100, up to larger loans of £1000 - new customers can borrow up to £400. It's a convenient way to get cash, when you need it with a friendly face-to-face service from the comfort of your own home.

Our choice of loan amounts means that you can select the amount that you need to take care of that unexpected emergency and we don't charge missed or late payment fees. You'll also receive a fixed rate of interest, so all the costs are clear, upfront and you know exactly how much you’ll pay back. To make repaying your loan even easier, a friendly Morses Club Agent will collect your repayments from your home each week at a time that is convenient for you.

We try to help everyone who applies for a Morses Club loan whatever your circumstances, so even if you have defaults, CCJs or poor credit, your application may still be considered, pending credit and affordability checks.

Flexible loans

Our loans are designed to be flexible and easy to understand. Using our loan calculator, you can choose the loan amount and loan terms that are right for you. As soon as you’ve chosen your loan amount and repayment period, you’ll be able to see your fixed interest rate, the amount of each payment and the final overall cost of the loan so you know exactly how much you’ll pay.

Loan periods start at 20 weeks for new Morses Club customers. Existing customers can apply for a loan of 52-weeks. Once your local agent contacts you, you’ll be able to work out the best arrangement for you.

Representative Example:

£200 loan repayable over 20 weeks at £15.00 per week, Rate of interest 130% p.a fixed; Representative 756.5% APR, Total Amount Payable is £300.

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