Doorstep Loans

Instant decision loans from
£100 to £5,000

  • ✔ Free and No Obligation Quote
  • ✔ No Impact on Your Credit Score *
  • ✔ Loans for all Credit Types
How much would you like to borrow?
Over how many months?
Will you be accepted?

Representative 49.9% APR. Representative Example: Borrowing £1,000 over 12 months, repaying £103.06 per month, total repayable £1,236.72. Interest rate 49.9% (variable).

Doorstep loans are sometimes also called home credit loans and are a type of [bad credit loan]. Typically, a representative or agent of a doorstop lender will visit you at home to discuss your loan needs, talk through the products available and if you’re approved and decide to go ahead, finalise the loan agreements and documentation. The agent or representative is normally from the local area and will be the person that you’re in contact with until the loan has been repaid. They will visit you at home to collect loan repayments and will be available to deal with any questions you may have in relation to the loan.

Doorstop loans are normally processed quickly with fixed interest rates for the duration of the loan. With fixed interest rates you can work out how much you can afford to pay back each week so that you can budget accordingly. There are normally no lump sum repayments needed.

The loan funds are given to you at home and loan repayments are also collected from home. Doorstep loans are normally low value. Credit searched and affordability checks are done, but people with bad or poor credit histories will be considered.


You have an opportunity to meet your local representative or agent at home. This means you can discuss all of your credit needs and your personal financial circumstances with someone who is experienced in this area and is able to guide you towards the best loan option for you. If you proceed with a doorstep loan, some people find that having a lenders friendly agent calling at home on an agreed date and time weekly or monthly helps them to maintain better control of their finances.

These loans are regularly used for emergency expenses. Although interest rates can appear on the high, the personal service at home can be viewed as beneficial. As the loan funds are provided at your home and repayments are collected at home as well, some lenders don’t need you to have access to a bank account to take out a doorstep loan.

Doorstep lenders in the UK should always be authorised by the Financial Conduct Authority. It’s important that you check this. If a doorstep lender is unable to produce proof in the form of a licence, there’s a risk that they may be a ‘loan shark’. Loans from unauthorised lenders should be avoided.


  • Discuss your needs with a local agent at home
  • Ability to explain your financial situation and needs in detail
  • Manage the loan from home, the lender organises terms that are suitable for you and your financial situation and returns to progress repayments at the agreed frequency
  • Receive loan proceeds in cash


  • Interest rates will usually be higher than other types of unsecured loans
  • The maximum amount that you’re able to borrow will ordinarily be £1,000

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A short term loan for people with a poor credit history could help you if you need a lump sum urgently or in an emergency. Our Instaloan service matches customers with lenders who specialise in providing loans to people with a poor credit history.