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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 are there to help you!

Customers love Morses Club

Morses Club
5/5 Trustpilot review 5/5 stars Everything is so straight forward . Everything is so straight forward and my collector is so very helpful. I would wholehartedly recomme... 5/5 Trustpilot review 5/5 stars My agent is really nice & friendly My agent is really nice & friendly, Always on hand to help 5/5 Trustpilot review 5/5 stars This is an amazing company and the… This is an amazing company and the staff go above and beyond to help you in any way they can 5/5 Trustpilot review 5/5 stars Very good People to deal with friendly… Very good People to deal with friendly and nice.I can't say anything negative about Morses because e... 5/5 Trustpilot review 5/5 stars I have been with morses for years and… I have been with morses for years and never had any problems I would definitely recommend them 5/5 Trustpilot review 5/5 stars Brilliant friendly service Brilliant friendly service. You are well looked after. 5/5 Trustpilot review 5/5 stars my agent is the best my agent is the best! really listens to my needs and bends over backwards to accommodate me! great... 5/5 Trustpilot review 5/5 stars My agent is always friendly and bends… My agent is always friendly and bends over backwards to help if i have an issue. 5/5 Trustpilot review 5/5 stars Excellent service Excellent service. Very helpful. Highly recommend A* 5/5 Trustpilot review 5/5 stars I like this firm because it is so…easy... I like this firm because it is so sraightforward and made so easy to complete application by the ag... 5/5 Trustpilot review 5/5 stars Absolutely professional Absolutely professional, and my agent is a really lovely compassionate woman, would highly recommend... 5/5 Trustpilot review 5/5 stars Excellent and professsionl Excellent and professsion at all time. 5/5 Trustpilot review 5/5 stars I have been a member of morses for over… I have been a member of morses for over 2 years now, easy to apply for a loan, friendly and discree... 5/5 Trustpilot review 5/5 stars I find this company excellent I find this company excellent. Have had no problems and they are alwsys pleasant, courteous and will... 5/5 Trustpilot review 5/5 stars Used for years Used for years. No complaints. Friendly helpful and there when you need them.
Rated 9.3 out of 10 based on 1314 reviews. See some of the reviews here. Powered by trustpilot