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What are home collection loans?

Home collection loans are a type of personal credit that’s delivered directly to your door. Morses Club offer home collection loans from £300 to £1000 for new customers, with repayments made weekly over 39 or 52 weeks, depending on the amount borrowed.

With a home collection loan, you deal with a local agent face-to-face or over the phone and work out the best loan for your needs and circumstances along with the corresponding repayment plan.

Your weekly repayments are collected from your home at a time that suits you, by your agent, who is your dedicated point of contact who will assist with any questions you might have. You can also manage your loan and make repayments via our Customer App.

Home collected credit provides a straightforward way for customers to borrow money, with a friendly service. Loans are issued based on the outcome of your affordability assessment.

You can apply for one of our UK home collection loans online, subject to affordability. Why not use our handy calculator below to explore your options.

I'd like to apply for... £300.00
£300 £1000
Paying back over...
Repay... £10.00 per week
Interest rate 84.86% APR 498.78% Finance charge £254.58 Total to repay £544.58
Repay... £14.22 per week
Total to repay £554.58
Existing customers can borrow between £100 and £1500 subject to approval. Borrowing between £300-400 over 52 weeks is available to existing customers subject to approval. Please login here
Minimum Term 39 weeks
Maximum Term 52 weeks
Maximum Apr 498.78%

Home collection loans FAQs

Question Answer

What is a home collection loan?

A home collection loan is a cash loan, which is delivered to your home through a network of local agents or directly to your bank account.

What is the difference between a doorstep and a home collection loan?

They are the same type of loan, as both loans are completed in your own home and an agent will visit you each week to collect your payments or you can do this online via our Customer App.

Do you need a bank account?

No - Our loans are available as either cash delivered to your door or deposited directly into your bank account.

How do I apply?

You can apply online using our simple online application form.

Why use home collection loans?

Home collected loans can be a good option for many reasons; you may not have a bank account, or you may simply just want to borrow the money in cash.

You could also have a poor or limited credit history. This can make it difficult to borrow money from banks and larger lenders. However, Morses Club will consider all applications individually, whatever your circumstances.*

What are the benefits of home collection loans?

If approved, one of the biggest benefits of home collected loans is the friendly face-to-face service, with a dedicated agent always there to answer questions and be your point of contact.

You also get the benefit of clear and simple costs, so if your Morses Club loan application is approved, you know exactly how much you will repay from the start. We don’t charge missed or late payment fees, and you’ll get a fixed rate of interest so everything is clear upfront.

*Excludes people who have been declared bankrupt, applied for Sequestration, had a Debt Relief Order or an Individual Voluntary Agreement within the past 6 years.