Doorstep Loans

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If you have been considering doorstep loans and not sure of your options, at Personal Loans Now we can offer instant approval and same day funding to your bank account. Using our credit on demand system, we can connect you with 40+ lenders who can offer you the best rates on the market for doorstep loans today. Click apply now to get instant doorstep loans today that match your requirements.

What are Doorstep Loans?

What are Doorstep Loans?

Doorstep loans refer to a form of borrowing where a personal cash loan can be delivered to your door. Otherwise known as home collection loans, the lender sends a representative to your home and can agree on a loan and pay the cash directly there and then. Because of the nature of doorstep loans, they typically can only be taken out for smaller amounts under £1,000 and be repaid over the short term, such as a few months.


Here at Personal Loans Now, we can offer the same instant convenience of doorstep loans, but without having to visit you in person. Add to this the benefit of being able to lend up to £15,000 and the ability to offer loan terms up to 7 years, we can credit your account on the same day, all without you leaving your home. Click apply now to have a look at the offers available to you today.

How Can I Apply for Doorstep Loans Today?

Traditionally, to apply for doorstep cash loans, you would have to wait for the lender’s representative to visit you. Here at Personal Loans Now, you can take away the time spent waiting around and apply online in just 3 minutes, with approval given in just 90 seconds. To be eligible to apply, you will need to meet the following requirements:

  • You are aged 18 years or older
  • You are a current UK resident
  • You have a UK bank account
  • You have a regular source of income

Meeting the above eligibility will not guarantee you will be approved for instant doorstep loans, and are a minimum requirement to apply through us. You will need to have a credit check performed and an assessment of your affordability carried out.

Once you have clicked apply now, before a credit search is performed, you will get to see your own personalised table of offers, breaking down the offers available from 40+ lenders. You will be able to fully review the terms available against the amount you want to borrow and make an informed decision on the loan you wish to continue with. If you do have any questions or queries, please don’t hesitate to contact us directly to speak to our friendly customer service team.


Can I Apply with Bad Credit for Instant Doorstep Loans?

If you have bad credit, you don’t need to be put off from applying for a loan through Personal Loans Now. You may have had difficulty receiving approval from other lenders for having bad credit, however, we work a little bit differently. Whether you have good or bad credit, we can help find the right lenders for your circumstances, presenting you with doorstep loans alternatives that work for you. Doorstep loans for bad credit are possible, but to stand the best chance of getting the best rates available, you should ensure you have the affordability to cover repayments.

You’ll need to consider that because of having bad credit you may be limited to how much you can apply for. Some lenders will only be able to offer a maximum of £7,500 for bad credit applicants, with the interest charges also being much higher. When you receive your personalised table of offers, you will need to review the interest charges to ensure you are happy with the terms offered before agreeing to apply for a loan.

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Why Choose Personal Loans Now as a Doorstep Loans Alternative?

We can offer all the convenience of urgent doorstep loans without having to visit you, offering lending options from a database of 40+ lenders. Some of the reasons many of our applicants have used us already include:

  • Fully Online Application – you can complete your application completely online to receive a quick decision and payout, with no waiting for paperwork.
  • High Approval Rates – we are proud of our high acceptance rates, with 50,000 applicants approved already just like you for the loan they want.
  • Low APR Rates – we will find the lowest rates available on the market, offering low APR rates that match your loan requirements.
  • Instant Approval – you’ll get a decision in just 90 seconds once your application is received.
  • Same Day Payout – once you have approval, you will receive the loan into your bank account on the same day.
  • FCA Authorised Lenders – we’ll connect you with responsible lenders all FCA authorised like ourselves.

If you need money in a hurry and have the affordability to make repayments, Personal Loans Now has the lenders who can help you. It starts with clicking apply now to see all the available offers, so try it today for an instant payout.

Doorstep Loans FAQs

Can I Get a Cash Payout with Doorstep Loans?

Unlike traditional doorstep loans, at Personal Loans Now we cannot provide a cash payout. You will need to have a UK bank account to be able to receive the funds you want. This not only ensures you receive the funds securely but will also avoid you having to have large sums of cash to hand that you would ideally deposit into an account or the potential to misplace or lose the funds.

What are the Interest Rates on Doorstep Loans?

Traditionally, doorstep loans would charge small amounts of interest as they would be lending smaller amounts under £1,000. At Personal Loans Now, we can connect you with the lowest available rates of interest from direct lenders. We charge a fixed rate of 39.7% RAPR (representative annual percentage rate), however, some lenders may charge up to 99.9% for the loan amount you want. A fixed ensures that the interest charge stays the same throughout the loan term, whereas a variable rate can increase and decrease, like on a credit card, during the loan term. You can use our loan calculator to see potentially how much the interest charge and repayments would be on a loan if you are unsure. Remember, depending on your credit score, the amount of interest you pay can be higher with bad credit and will depend on the lender.

What Happens if I Miss Repayments on Doorstep Loans?

If you miss repayments with doorstep loans, you will need to contact the lender directly to discuss a suitable timeframe for repayment. The risk with missing repayments is not only having a negative effect on your credit score but also the lender themselves could take legal action if the repayments are not maintained as per the credit agreement. You will need to ensure you have the affordability to make the repayments without struggling to maintain them before applying for any borrowing.

Are Doorstep Loans Safe?

The nature of doorstep loans traditionally meant allowing for a lender’s representative to visit your home and lend you cash. This isn’t the most secure and safe way to get a loan, which is why with Personal Loans Now, you will get all of the same convenience of same-day funding but by using a secure website and dealing with FCA authorised lenders. Your personal details will be kept private and safe online, only being shared with lenders who you want to deal with.

Can I Get Doorstep Loans with No Credit Checks?

You will be required to undergo a credit check as part of the approval process for your doorstep loans application. You will not be able to receive the funding you want without this, and if you find lenders who are willing to lend to you doorstep loans with no credit checks, we strongly recommend you do not use them. They should be reported to the FCA as no responsible lender will be able to offer a loan without the correct checks in place.

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