Doorstep Loans

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When considering doorstep loans and you aren’t sure of your options, we can help you find instant approval loans with same day funds. Using our credit on demand system, we’ll connect you with 40+ lenders who can offer the best rates on doorstep loans. 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. Also known as home collection loans, the lender would send someone to your home to agree the loan and pay directly. Due to the nature of doorstep loans, they can only be taken out for smaller amounts under £1,000. Usually these are then repaid over the short term, such as a few months.


We can offer the same instant convenience of doorstep loans, but without having to visit you in person. Add to this being able to lend up to £20,000 and loan terms up to 7 years, you can be funded on the same day. This is 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. Here at Personal Loans Now, you can take away the time spent waiting around and apply online in just 3 minutes. Our panel of direct lenders can provide approval in just 90 seconds as well. 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’ll be approved for instant doorstep loans. They 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’ve clicked apply now, before a credit search is performed, you’ll see your own personalised table of offers. This will break down the offers available from 40+ lenders. You’ll be able to fully review the terms available against the loan amount you want to borrow. This will help you 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. You can speak to our friendly customer service team who are happy to help.


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 with other lenders for having bad credit, such as having a CCJ. However, we can work a little differently. Whether you have good or bad credit, we can help find the right lenders for your circumstances. We’ll present you with doorstep loans alternatives that work for you. Doorstep loans for bad credit are possible. To stand the best chance of getting the best rates available, you should ensure you can afford 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 may only be able to offer a maximum of £7,500 for bad credit applicants. The interest charges may also be much higher. They may require that you have someone co-sign your agreement. When you receive your personalised table of offers, you’ll need to review the interest charges. This is to ensure you’re 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 the convenience of urgent doorstep loans without having to visit you. Our lending options are provided from our database of 40+ lenders. Some reasons many of our applicants have used us already include:

  • Fully Online Application – you can complete your application online to receive a quick decision and payout. No waiting for paperwork.
  • High Approval Rates – we’re proud of our high acceptance rates. 50,000 applicants have been approved already for the loan they want.
  • Low APR Rates – we’ll 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.
  • Authorised Lenders – we’ll connect you with responsible lenders who are all fully authorised.

If you need money in a hurry and can afford to make repayments, we have the lenders who can help you. We can offer loans without a guarantor if your application is approved as well. 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, we cannot provide a cash payout. You’ll need to have a UK bank account to be able to receive the funds you want. This ensures you receive the funds securely and avoid having large sums of cash to hand. Safely deposited into an account, this avoids 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. Some lenders may charge up to 99.9% for the loan amount you want. A fixed rate ensures that the interest charge stays the same throughout the loan term. A variable rate can increase and decrease, like on a credit card, during the loan term. You can use our loan calculator to see how much the interest charge and repayments would be on a loan. Remember, depending on your credit score, the amount of interest you pay can be higher with bad credit. This will depend on the lender.

What Happens if I Miss Repayments on Doorstep Loans?

If you miss repayments with doorstep loans, you’ll need to contact the lender to discuss a suitable time frame to repay. The risk with missing payments not only negatively impacts your credit, but can also lead to legal action. You’ll need to ensure you can afford to make repayments without struggling before applying for any borrowing.

Are Doorstep Loans Safe?

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. With us, you’ll get the convenience of same-day funding with a secure website and you can rest assured that you are 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’ll be required to undergo a credit check as part of the approval process for your doorstep loans application. You’ll not be able to receive the funding you want without this. If you find lenders who are willing to lend 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 can offer a loan without the correct checks in place.

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