We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
mum at the table with bills

Worried about money?

We can help. Use our free online debt advice tool.

Get help now

Doorstep loan debts and door to door lenders

Doorstep loans are a type of personal loan that are delivered to your door. Agents come to your house to deliver loans and collect payments.

Doorstep loans are also called:

  • Home collection loans
  • Home credit loans

They may also be in the form of cash or vouchers.

Doorstep loan companies that operate across the UK and Ireland include:

  • Provident
  • Greenwoods
  • Morses Club

There are lots of smaller doorstep lenders as well.

How much does it cost to borrow with a doorstep loan?

Doorstep loans usually have quite a high rate of interest or annual percentage rate (APR). It can be as much as 200% or even more.

This means:

  • For every £100 you borrow: You can expect to pay back £150-180

You normally make doorstep loan payments:

  • Weekly
  • Over 6-9 months

This APR is lower than a typical payday loan. But doorstep loans are paid back over a longer time. So the total amount you have to pay back is similar.

Is a doorstep loan right for you?

Short term loans can be an expensive way of borrowing.

They include:

What to think about before getting a doorstep loan

Before taking one out, make sure to check:

  • Can you afford to repay the full amount?
  • Can you afford the interest?
  • What might happen if you fall behind with payments?

What happens if I have doorstep loan arrears?

The doorstep loan agent asks you to catch up if you miss payments. There may be extra charges too.

You get a default notice if you do not catch up. The people you owe can then take further action.

Larger companies may start dealing with your loan from the main office.

  • The agent stops calling
  • This can make it easier to deal with

Read what your creditors can do.

Remember, your doorstep loan is the same as any other debt.

The agent does not have any extra legal powers.

  • They are not a bailiff
  • They cannot come into your house
  • They cannot take anything from you
  • They cannot force you to pay money you do not have

Do you know the agent personally?

It can be a big relief when someone you know offers you a loan. This could be a friend or family member, or someone who lives nearby.

Whoever it is, make sure to check a few things.

They may not be a loan shark or illegal lender. But loan sharks can be hard to spot.

They may use trust or friendship to trap you in debt.

Read our guide to loan sharks to find out more.

Do you need credit to pay for basics?

We can help if you are struggling with money.

Cheaper ways of borrowing include:

Do you need emergency help with money?

People on low incomes may be able to get support from a foodbanks, trust funds and local councils.

Money worries?

Find out how we can help you.

Get help now

What are other options to doorstep loans?

There are a few cheaper options to doorstep loans:

  • Credit unions
  • Can give small loans
  • Interest is capped at 42.6% APR
  • Budgeting loans
  • For people on benefits with an emergency expense
  • Find out more on the GOV.UK website
  • Help from local authorities
  • This may include cash loans or food vouchers
  • Check your own local authority to see what is available

Doorstep loan debt help

Needing a doorstep loan can be a sign that you need debt help.

Use our online debt advice tool to get free and impartial debt advice.

"Get in touch with StepChange, you'll wish you'd done it sooner" Rob, Wiltshire