Loans at Home
Loans at home, also known as doorstep loans, are personal loans delivered and collected in person by a representative from the lender. These loans are ideal for individuals who prefer face-to-face service or may not have access to online or traditional borrowing options.
Typically, loans at home involve smaller amounts and are repaid in weekly or monthly instalments, collected directly from your home.
What Are Loans at Home?
Loans at home provide a personalised borrowing experience where a representative visits your home to discuss the loan, deliver the funds, and collect repayments. This service is designed for individuals who value convenience or may not have access to other forms of credit. Loan amounts typically range from £100 to £1,500, with repayment terms of up to 52 weeks.
How Do Loans at Home Work?
- Application: You apply online, by phone, or in person with a local representative.
- Approval: A representative visits your home to discuss your financial situation and affordability.
- Delivery: If approved, the representative provides the funds directly to you.
- Repayment: Repayments are collected weekly or monthly, depending on the agreement.

Benefits of Loans at Home
Face-to-Face Service
A representative provides a personalised service, making it easier to discuss your needs and financial situation.
Convenient Repayments
Payments are collected directly from your home, saving you time and effort.
Accessible for Various Credit Histories
These loans are available to individuals with poor or limited credit histories, as lenders often focus on affordability rather than credit scores.
Flexible Loan Amounts
Loans at home typically offer smaller amounts, making them suitable for short-term needs.
Things to Consider
Higher Interest Rates
Loans at home often come with higher interest rates compared to traditional loans, reflecting the personalised service provided.
Regular Home Visits
Some borrowers may prefer not to have regular visits from a lender representative.
Limited Loan Amounts
Loan amounts are typically small, which may not be suitable for larger financial needs.
Alternatives to Loans at Home
If doorstep loans don’t suit your needs, consider:
- Online Loans: Fully digital loans with quick application and funding processes.
- Credit Union Loans: Community-based loans with lower interest rates.
- Short-Term Loans: Loans repaid in instalments over a few months, available online.
Frequently Asked Questions
Loan amounts typically range from £100 to £1,500, depending on the lender and your financial circumstances.
Some lenders may perform a credit check, but they often focus on affordability rather than just credit scores.
Yes, many lenders offer online applications, but a representative will still visit your home to finalise the process.
Yes, all lenders offering doorstep loans must be authorised by the Financial Conduct Authority (FCA), ensuring fair and transparent practices.