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Small personal loans

Small personal loans can be a useful solution for those who are facing an unexpected cost, like an expensive MOT or a broken appliance. Because you are only borrowing a small amount of money, you can often pay small personal loans off in a shorter amount of time than a longer term loan.

How do small personal loans work?

Morses Club provides small personal loans between £200 and £750 for new customers. Our UK small personal loans are repaid weekly over 26 or 39 weeks, depending on the amount borrowed.

You can apply for one of our small personal loans online and receive an initial decision within minutes. Small personal loans are issued depending on the outcome of your affordability assessment.

If your application is approved in principle, a Customer Support Associate will phone you to finalise your small personal loan. They can also arrange to collect your weekly repayments from your home at a time that suits you, there is also the option to make repayments over the phone or online via our Customer App.

To help you understand the repayment amounts on the amount you are interested in borrowing, our online application has a handy slider tool to calculate this.

Existing customers can express an interest in a new loan, via the online portal. From there, your CSA will be in touch with you to discuss the repayments for the amount you’re interested in borrowing.

Please note, if you increase your borrowing, you may be extending the terms of your debt and increase the total amount you repay.

Loan calculator

Apply now for an initial decision online

New remote lending option

Apply now for an initial decision online

You can now apply online and if approved, receive the loan directly to your bank account.

Existing Customers
  • You can check if you are eligible for a loan through our customer portal without having to complete an application form.
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Quick initial decision online
No hidden fees or costs
Manage your loan with our online app
Minimum Term 26 weeks
Maximum Term 39 weeks
Maximum Apr 1590.93%

Small personal loan FAQs

When should I consider a small personal loan?

If you don't need to borrow a large sum of money and want to pay back your loan within a few months, then small personal loans can be a good option. You make the repayments in weekly instalments at a time and date that is convenient for you. There's no need to make online bank transfers or set up any direct debits as your Customer Support Associate will come and collect your payments in person.

What are small personal loans typically used for?

Many people find small short term loans useful when they need money quickly for an emergency expense, such as a car breakdown. A small loan is also a good option to consider if you need to replace a household item, such as a fridge, washing machine or bed and want to pay it off in small instalments to spread the cost.

Where can I get small personal loans?

You can apply for a small unsecured loan online from Morses Club. We are a direct lender and offer loans from £200 to £750 for new customers. You can also choose a flexible repayment plan over 26 and 39 weeks. A Morses Club loan can be a simple and convenient way to get the money you need.

How can I apply for a small personal loan from Morses Club?

With Morses Club, you can apply for a small loan online, and you'll get an initial decision in minutes. If you are accepted, one of our Customer Support Associates will then arrange a visit to complete affordability checks and finalise your loan application in the comfort of your own home.

Use our small loans calculator to work out exactly how much you will pay back in weekly instalments.

How soon can I get a small personal loan?

With our quick and easy online loan application, you'll get an initial decision in minutes. A Morses Club Customer Support Associate will then arrange a visit to complete your loan and conduct an affordability assessment to ensure the repayments are manageable. If you are accepted, you could have your small personal loan in a matter of days.

Your CSA will then collect your repayments from your door each week and will be your main point of contact should you have any questions about your loan.

Can I get a small personal loan with no guarantor?

Yes. You do not need a guarantor for one of our small short term loans, but we will need to carry out some affordability checks.

Can I apply for a small personal loan if I have bad credit or very bad credit?

Yes – we assess each application individually. Even if you have a less than perfect credit history, including a bad credit score or CCJs, you may still be eligible for a loan of £200 - £750. Providing you haven't been declared bankrupt, applied for Sequestration, or had a Debt Relief Order or Individual Voluntary Agreement within the past six years, your application will still be considered.

Can I get a small personal loan with no credit checks?

No - we are a responsible lender. That means we have to carry out certain checks to ensure that a small loan is right for you. But, even if you have a poor credit rating, we will still consider you for a loan.

Can I get a small personal loan if I am unemployed or on benefits?

You can apply for a loan, but there is no guarantee that your application will be successful. Small personal loans have high interest rates compared to some other types of credit, and if you don't have a regular income, you may not be able to keep up with the repayments. We assess all applications on an individual basis but cannot guarantee that you will be offered a loan if you do not have a steady income.

If you think a small loan with Morses Club could be right for you, apply now to get started.