David Beard

Expertly compared by David Beard

Products Updated April 23, 2021

Doorstep Loans

Our experts have selected their top choice of reputable and trusted home credit providers. These types of lenders provide cash loans direct to your home with no requirements for a bank account or credit record checks. Otherwise known commonly as doorstep loans.

1 providers expertly compared:


Loan Amount
£100 - £1,000

Representative APR

Loan Term
13 - 52 years

Loan Type
Home credit

Homeowners & Tenants

Rated 4.4/ 5

All credit types

Provident provide a face to face service. When one of their local Agents approves your loan, they will deliver the cash loan direct to your door and collect your manageable weekly repayments from your home at a time and day that suits you.

Representative Example

Read our customer and visitor reviews for this product:

Rating: 4.5 / 5 with 2 votes

Good comparison

by Mandy Thomson

Good comparison service and lenders to choose from. Easy application form.

Plently of loans to choose from

by SL

These facility by Feasible.co.uk provided many solutions and gave me choice of several lenders as part of the search. Vey fast and no issues using them. Quick to phone me back also.

About Doorstep Loans

All you need to know about home credit & doorstep loans

All you need to know about home credit & doorstep loans

Most loans today are typically very impersonal. Whether working with a financial institution or acquiring funds online, the customer rarely has actual contact with a person. Everything is very robotic and automated, and that can be somewhat concerning for some customers. Credit unions have long been the personalised financial institution of choice, but the more personalised doorstep loan option tempts many borrowers.

What is a doorstep loan?

Doorstep loans take personal customer service to a whole new level. With these loans, the customer need only to answer their front door. The term doorstep loans come from the fact that an actual loan officer comes to the customer’s home to help them get necessary financing. It is home-based credit that can be ideal for those who have a strict schedule or for customers who find it difficult to get to a financial institution for help.

Not only is the financing approved in the home, but repayment is accomplished in the same manner. A loan officer will come to the applicant’s home on a weekly basis to receive payment.

What can a doorstep loan be used for?

Doorstep loans are loans for smaller increments of money and can be used for most anything. Applicants can use the funds for paying off other debt, buying new appliances for the home, or almost any immediate financial needs. Some customers use doorstep loans as a means of gaining access to credit if they have been refused credit from mainstream lenders.

The agent arranges all aspects of the loan from making appointments with clients to working out the best day of the week to receive payment for the loan.

What customers should know

What you should know

What you should know

A doorstep loan is an excellent option for those who are homebound or have an overzealous schedule. As well as this, many people and lenders enjoy the fact that doorstep loans allow them to maintain a personal approach to lending that is lacking in today’s society. This type of loan does not typically provide funds for over £1,000 and APR for the term of the loan can be up to 156%.

Loan terms can be made from just a few weeks all the way up to a full year depending on the financial needs of the customer. As doorstep loans are more personal loan options, customers and lenders work out details on a more personal level.

The minimalistic nature of the loan amount of doorstep loans means that even those with bad credit scores or zero credit can get financing. All that is required for the loan is proof that your available income is enough for weekly payback options, proof of address, and evidence of identity.

Some institutions may request recommendations from friends and family in the case that the applicant is unable to be reached for repayment at any time, but this is not the case with all financial institutions.

Benefits of doorstep loans

Cash loans are given at home

Cash loans are given at home

The main advantage to doorstep loans is the instant cash availability. Instead of waiting for funds to become available in a bank account, the loan officer typically has money on hand for the client. This makes it easy and hassle-free to get cash in hand right away.

Another distinct advantage is the personal service gained from the loan. A personal relationship with the financial institution and the loan officer gives customers more significant means of acquiring larger loans in the future and allows them to feel as though they have a friend in the loan business the way typical loan types simply do not do. Doorstep loans also have no hidden fees for late or missed payments as financial institutions are more focused on building a relationship rather than taking in these fees.


There are few disadvantages to doorstep loans, but one that sticks out more than others is an increased APR. Some customers find this a little concerning, but with doorstep loans, even this attribute is not an issue as repayment is spread out over a period of between 13 weeks and one year, so even with the highest APR payments remain low.

Doorstep loans are not suitable for those seeking loans over £1,000, but some institutions do allow for slightly larger loans depending on how many previous doorstep loans a client has successfully paid off.


Doorstep loans are highly beneficial for those looking for short-term loans to pay off smaller debt or get out of a financial situation. Due to the personal nature of the loan process, customers benefit significantly from the loans even when they are facing higher APRs. The client makes the schedule that is right for them. Doorstep loans are great for most any client needing immediate funds or those looking to increase their credit with a financial institution.

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