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About Morses Club

Morses Club is one of the largest home credit providers in the UK and we pride ourselves on our friendly and personal service.

Loans to your door

We offer small cash loans from £300 to £1000 and operate through a network of agents throughout the UK. With over 1,600 agents, we're well placed to help you get the cash you need, for the things you want.

Our loans, also known as doorstep loans, are a form of personal loan that are delivered to your door. After qualifying in principle using our online application, one of our friendly Morses Club agents will call to arrange an appointment with you at your home and finalise your loan. They will also collect your repayments from your home each week.

Morses Club are focused on putting our customers first. We offer a friendly and personal service that helps us to get to know our customers. This allows us to lend responsibly, helping our customers prevent taking on loans that are unaffordable.

Every application is dealt with on an individual basis and we will consider people who have had a bad credit history.

Why choose a Morses Club Loan

No hidden charges on any of our loans

No hidden charges on any of our loans

We don’t charge for missed or late payments, bounced cheques or defaulted card payments. You only pay back what you agree to when you take out your loan agreement.

Our loans work around you

Our loans work around you

Your loan is completed with you in your home with a Morses Club agent, and your money comes to you. Your repayments are collected from your home at a time that suits you each week.

Our customer service is outstanding

Our customer service is outstanding

We consistently receive over 95% customer satisfaction. Don’t just take our word for it; read what some of our customers have to say.

No complicated forms

No complicated forms

The application and loan agreement that you complete is simple and straightforward. We use clear language and everything about our loans is transparent – the last thing we want to do is confuse our customers.

Our loans start small

Our loans start small

We know that sometimes a little is all you need. We conduct affordability checks for every customer, so you don’t borrow more than you can afford. New customers can borrow between £300 and £1000 and as we get to know you better you may be eligible for more if you need it, subject to affordability

Our history

Morses Club started over 130 years ago and was originally a general drapery store in Swindon, owned by Mr Levi Morse. Gradually, the business expanded to encompass several departments stores throughout the surrounding areas.

Because of the success of these stores, Morses began employing ‘travellers’ who called on people in their homes to sell goods on weekly credit. This laid the foundations for the weekly home collected credit services now offered by Morses Club PLC.

On 1st March 2015, Morses Club merges with Shopacheck Financial Services Ltd to become one of the largest home collected credit providers in the UK.

Morses Club is now an established Doorstep Lender with over 140,000 customers throughout the UK. We work with agents based all over the country who enable us to provide cash loans to your doorstep.

To keep up to date with company news or learn more about Morses Club PLC, please visit our corporate site.

Our Brands

Dot Dot Loans

In March 2017 we launched our online loan provider Dot Dot Loans, offering both long and short-term loans to customers. Loans range from £100 - £5000, with repayments terms of 3 to 48 months.

Customers apply online, and if approved, the money is transferred straight into their bank account. Repayments are then collected from the customers account via direct debit. Dot Dot Loans is designed for customers who prefer a fully online service.

Representative 824.7% APR for a short-term loan and Representative 79.4% APR for a long-term loan.

U Account

We acquired U Account, which is an online current account provider, in June 2019. Designed to be an alternative to traditional banks, customers can use the in-app features and functionality to help them manage their account and finances more effectively.

Customers can have their income paid directly into their account or deposit cash at one of PayPoint’s 28,000 terminals across the UK. Each account comes with a free prepaid contactless card, allowing customers to spend their money as normal.

Our values

At Morses Club the customer is at the heart of everything we do:

We’re dedicated. We aim to be the best doorstep lenders in the UK and are passionate about delivering great customer service.

We’re responsible. We complete full affordability checks with each customer before we issue a loan. This is done in your home, so we can offer as much support and guidance as possible.

We’re understanding. We know that circumstances can change. If you’re struggling with your loan, we will work with you to arrange a new payment plan. We also don’t charge for missed or late payments.

We’re flexible. Your agent will arrange a time with you to collect your repayments, and if you need to change this sometimes, just let your agent know.

Work with us

We work with selected affiliate partners who help promote our services. If you are interested in becoming one, then please visit our affiliates page for more information.

All loans are issued directly from us though, as we are a direct lender not a broker. To find out more about the differences between them, you can view our blog article.