A Proud Heritage of Trusted Financial Support
At Cockle Finance, we are more than just a lender – we are a family legacy built on trust, personal service, and community values. For over half a century, we have provided accessible financial solutions to individuals throughout Essex and beyond, maintaining the same principles of honesty, fairness, and compassion that have defined our business since its inception.
Our Story: Three Generations of Financial Expertise
Cockle Finance was established by Alfred John Cockle over 50 years ago in Romford. Alfred’s inspiration came from watching his mother lend money to friends and neighbours in London’s East End before the Second World War—a tradition of community support that he was determined to continue.
Alfred’s son, Steve Cockle, grew up immersed in the family business. It was a natural progression for him to join and elevate the company to new heights. Together with his wife Jan, Steve expanded operations into Dagenham, Barking, Harold Hill and Basildon, building upon the foundation of trust his father had established whilst maintaining the personal touch that set Cockle Finance apart.
Today, Steve’s son Dan represents the third generation of the Cockle family to lead the business, ensuring that our longstanding traditions of exceptional customer care and financial responsibility continue well into the future.
Our Values: The Cockle Difference
As a third-generation family enterprise, we understand that financial matters require a personal approach. Unlike larger institutions where customers might feel like just another number, at Cockle Finance every client receives personalised attention from staff. Applications are assessed by real people, not algorithms, ensuring fair consideration of your unique circumstances. We prioritise affordability and suitability over credit history, using secure Open Banking technology rather than traditional credit checks. Our team maintains the same friendly, helpful approach that has been our hallmark for decades.
Authorised & Regulated By The Financial Conduct Authority.
We take our responsibilities seriously as a financial services provider. Cockle Finance is authorised and regulated by the Financial Conduct Authority (FCA Authorisation Number: 804740) and we’ve been longstanding members of the Consumer Credit Association since 1994, adhering to their strict code of practice. We’re registered with Companies House (Registration Number: 11249493) and remain firmly committed to responsible lending practices that prioritise customer wellbeing.
Our Services: Flexible Solutions for Real People
We understand that everyone’s financial circumstances are different, which is why we offer a range of lending options:2
As a Direct Lender:
Doorstep Loans (Home Collected Credit) provide a traditional form of lending where you receive your own personal agent who manages your account, with flexible cash or bank transfer options.
As a Credit Broker:
We offer Online Loans connecting you with FCA-regulated lenders even if you’re outside our doorstep coverage area. Our Short-Term Loans are designed to provide quick financial assistance for unexpected expenses, while our No Credit Check Loans use Open Banking technology to assess affordability rather than credit history.
Our Promise
At Cockle Finance, we promise to maintain the personal touch, ethical standards, and community focus that have been our guiding principles for over 50 years. We believe that everyone deserves access to fair financial services, regardless of their credit history or background.
Whether you’re facing an unexpected expense, managing a temporary financial shortfall, or seeking to consolidate existing debts, the Cockle Finance family is here to help with understanding, respect, and solutions tailored to your needs.
Contact Cockle Finance
Office 130, 176 South Street
Romford, Essex, RM1 1BW
Telephone: 01708 755490
Email: enquiries@cocklefinance.co.uk
Authorised and regulated by the Financial Conduct Authority. Authorisation Number: 804740
Companies House Registration Number: 11249493
mark chalklin2024-02-01Excellent service and fast payout all in all an excellent companyVicky Clayden2024-01-04Great communication, always fair great family run business never had a problem with them easy and simple with getting a loan out very polite on the phone always there to help outEmillie Barnes2023-12-06Friendly helpful team, quick to process too.Samantha Mcwalter2023-12-01Very polite And very helpful all the time very understanding I recommend these to anyone there really goodSteven Ridgewell2023-12-01Really good customer service fast and very friendlyJo Jordan2023-12-01I have been with this company for a few years they are very well organised staff are very polite they are very understanding and they deal with loan applications very quick the process is very quick and easy top stars to u cocklebrandon jefferson2023-11-30Great family run business I have been dealing with them years.Teleah Cyrus2023-11-30I'm very pleased about the service given to me very understanding
