How to apply for one of our loans

Just like our loans, we've kept our application process simple. It won't take you more than a few minutes to complete, and you'll know if you've been initially approved in less than a minute.

Before you apply, there are a few things to check. To be eligible for one of our loans you need to:

  • Be over 18 years of age
  • Not have been declared bankrupt, applied for Sequestration, had a Debt Relief Order or an Individual Voluntary Agreement in the last 6 years.

You also need to live in the same business area as a Morses Club branch - we'll be able to check this for you based on your address details

If you think you tick all these boxes then you can get started!

The first thing to do is to complete our online application form. This is a basic, one page form. It gathers some information about you, and asks for some contact details.

If you would prefer, you can apply over the phone by giving our customer service team a call. They'll go through the form with you and then let you know if you've been initially approved.

You will receive an initial decision about your application in minutes. This is based on your creditworthiness and credit checks will be carried out to determine this. If you have less-than-perfect credit there's no need to be put off; we assess each application individually. As long as you have not been declared bankrupt in the last 6 years, you will be considered for a Morses Club Loan.

You do not need to provide any documents on initial application. If you are approved, your local branch will arrange a convenient time for an agent to call round to complete your loan with you. When the agent calls round you will be required to provide some identification documents which they will make a record of. We conduct an affordability assessment for each loan so you’ll also need to provide evidence of income, and outgoings where possible, so we can make sure the loan is manageable. You can find a list of the documents we’ll accept here.

When your loan has been completed - you will get your cash. The whole process could be over within a matter of days and you can spend your cash on whatever you need.

If you have any questions about our application process then please feel free to give us a call. For more information on our products take a look at our FAQs. For more information on loans generally, our loan guides and financial jargon buster are there to help you!

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.

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