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How to apply for one of our loans

Just like our loans, we've kept our application process simple. It only takes a few minutes to complete, and you'll know if you've been initially approved in less than a minute.

Eligibility criteria

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

  • Be over 18 years of age
  • Be a resident of the UK
  • Have a regular income

...and not have been declared bankrupt, applied for a sequestration, had a Debt Relief Order on 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!

Apply now
Choose your loan amount
Choose your loan amount 1. Choose your loan amount

We offer loans up to £400 for new customers and up to £1500 for existing customers.

Are you an existing customer? You may be able to request further credit - speak to your agent for more information

Choose your loan amount
Choose your loan amount 2. Tell us a little about you

Our online application process is simple and only takes a couple of minutes. Apply online or on the go with your mobile.

You can also apply over the phone by calling us on 0330 045 0719

Choose your loan amount
Choose your loan amount 3. Get an initial decision online

We'll use the details you supplied to run a quick check to see if you're eligible for a loan.

We run a credit check as part of this process – find out more here

Choose your loan amount
Choose your loan amount 4. Finalise the loan

Once approved in principle, we'll arrange a convenient time for a local agent to come and complete your loan application at your home.

When you meet with your agent they will do an affordability assessment to evidence your income and outgoings so we can ensure your loan is manageable.

Choose your loan amount
Choose your loan amount 5. Getting your money

Once your loan application has been approved, you can receive your money in cash or a Morses Club Card.

With a Morses Club card you can spend online securely - find out more here

Less than perfect credit

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.

Affordability assessment

We conduct an affordability assessment for each loan so you’ll also need to provide evidence of income, and outgoings where possible. You can find a list of the documents we’ll accept here.

If you have any questions about our application process, check our FAQs section.

Repayment

Your agent will make sure that you understand exactly how much your loan will cost and what your weekly repayments will be.

Your first repayment will be collected 7 days after you receive your loan and then weekly until you have repaid your loan in full. Click here for more information and tips on managing your loan.

Customers love Morses Club

Morses Club
5/5 Trustpilot review 5/5 stars 5 stars definitely Yes 5 stars would recommend this company. I’ve had a few loans with this company & never A probl... 5/5 Trustpilot review 5/5 stars My agent gives first class service… My agent gives first class service she’s there for me when you need to know anything about your acc... 5/5 Trustpilot review 5/5 stars Good money easy repayments Excellent… Good money easy repayments Excellent team of staff many thanks 5/5 Trustpilot review 5/5 stars fantastic company fantastic company 5/5 Trustpilot review 5/5 stars Was hesitant about using this service… Was hesitant about using this service at first but after a consultation with a very knowledgeable... 5/5 Trustpilot review 5/5 stars Very good service and good agents Very good service and good agents 5/5 Trustpilot review 5/5 stars Loan Agent lovely and simple process no messing about 5/5 Trustpilot review 5/5 stars Letter So friendly,always listen if any concerns and work with you if in difficult in payments. Never let m... 5/5 Trustpilot review 5/5 stars I have been a customer for years and… I have been a customer for years and have always had excellent customer satisfaction with no complai... 5/5 Trustpilot review 5/5 stars Great loan company There are a great company would recommend them to anyone. 5/5 Trustpilot review 5/5 stars Excellent! Excellent! Friendly, helpful, in every way 5/5 Trustpilot review 5/5 stars nice And helpful The company is very good and easy to talk to about anything to do with loan and the customer service... 5/5 Trustpilot review 5/5 stars Very help staff Very help staff 5/5 Trustpilot review 5/5 stars Get help from them very friendly Get help from them very friendly 5/5 Trustpilot review 5/5 stars My agent is polite My agent is polite , helpful and a pleasure to know, Morses club is a great company
Rated 9.1 out of 10 based on 1660 reviews. See some of the reviews here. Powered by trustpilot