Loans At Home From Cockle Finance
Doorstep loans are one of the most frequent services we provide to our customers. This type of loan is a popular alternative to a traditional loan and the whole service from start to finish is much more personal. With the ability to have cash delivered directly to you, plus a number of repayment options, you can easily spread repayments over a period that suits you. We have been providing our home loans service to customers for many years and deliver a competitive service. We have a team of local agents who will process and manage your loan until the repayments are completed.
We understand that loans are sometimes needed at short notice or for those unexpected emergencies, so be sure to consider a doorstep loan from Cockle Finance. You can spread the cost of your loan over a period that suits you and with repayments amounts that will ensure your everything is paid back on time and in full. For more information or to apply, be sure to get in touch with us today. One of our team is always on hand to answer questions and deal with enquiries.
Please note, these are only available to certain areas, see below for a list of areas we cover. If you can’t see your area on the list then maybe one of our Unsecured Loans (Issued Online) would help you?
- Loans Aveley
- Loans Basildon
- Loans Billericay
- Loans Braintree
- Loans Brentwood
- Loans Clacton
- Loans Chelmsford
- Loans Chigwell
- Loans Colchester
- Loans Dagenham
- Loans Grays
- Loans Hornchurch
- Loans Loughton
- Loans Purfleet
What is a Doorstep Loan?
Door step loans are also commonly known as home collected loans. These type of loans are are typically paid in cash at your doorstep. Applying for a doorstep loan will require the completion of an application that is then passed onto a local doorstep loan agent in your area.
If you are approved in principle for one of our home loans, then an appointment will then be arranged on a day and for a time that suits you. During this appointment, your loan will be finalised and we’ll agree on a suitable repayment option for your cash loan.
Cockle are here to help. You can discuss your credit needs with us and your current personal circumstances. Face to face loans are much more personal, which helps to make repaying the loan much easier. We can collect your repayment in person or by card. This relationship means you can discuss with our agent will to ensure your repayments are manageable.
When You Might Need A Doorstep Loan
At Cockle Finance, we understand that there are times when it can be difficult to make ends meet or unexpected bills that haven’t been accounted for. Our services are designed to be tailored around your specific needs and weekly/monthly affordability. Whether you need a short term cash loan to cover a car repair, or something longer to cover home improvements, a doorstep loan could be the right solution.
Our customers aren’t just names on a computer, we pride ourselves on offering a personal service. Our agent will get to know you, so should you fall into any difficulties or require longer to pay a loan back, we’ll work with you to find a suitable solution. From choosing a doorstep loan term to repaying your loan, we will be with you each step or the way. With Cockle Finance, there are no hidden fees or excessive extra costs.
Why Choose A Home Collected Loan
Home collected loans allow people to take out a cash loan over an affordable payment term that suits you. There are a number of reasons why a Cockle loan could be worth considering, some of which are:
Bad Credit Scores Don’t Mean No – A bad credit rating won’t always mean a ‘no.’ A home collected loan means we can take into account your personal requirements and carry out affordability checks. Which means if you have poor credit, but could afford the repayments on a home collected loan then you could be approved.
Personal Service – One of the best things about door step loans is the personal service. From applying for the loan to making a repayment, you’ll be in touch with your agent regularly. We believe in getting to know our customers and will work with you to ensure your loan remains affordable and repayments are made on time.
No Bank Account Needed – Most loans will require you to have a bank account. However, with a cash loan, we can deliver the money to you at home. We can use anything from payslips to benefit payments to assess your affordability and we understand that not everyone’s circumstances are the same. Whether you have a bank account or not a doorstep cash loan could be the right financial solution for your needs.
Why Choose Us For Doorstep Cash Loans?
As a local loan company, we pride ourselves on offering a personal service from start to finish. We believe in supporting the local community and our services offer a flexible form of credit for all circumstances. We have many happy customers and having listened to their feedback, believe some of the reasons you should choose us are:
- A local and established loan company
- Well-known reputation
- We put our customers first
- A number of repayment options for loans
- A team of professional loan agents
- We are here to work with you
For Cash Doorstep Loans Contact Cockle Finance
If you’re looking for a reputable lender, then be sure to make Cockle Finance your first port of call. We have years of experience in the industry and as a local cash loans company.
We put our customers first. Our loans are tailored around your specific requirements to ensure they are affordable for you. We are Consumer Credit Association members and are regulated by the Financial Conduct Authority. Apply for a home collected loan with Cockle Finance today, and one of our team will be happy to assist you.
Secured Loans - Frequently Asked Questions
Do I have to be employed to get a cash loan?
No. We understand everyone’s circumstances are different and regardless of whether you are employed or not, if you can afford the repayments on a doorstep loan then you could be accepted. We take a number of things into account before we approve a loan and our agents will work with you to fully understand your requirements and circumstances.
Will I be accepted for a doorstep loan?
Approval of a doorstep loan will depend on a number of factors such as your specific requirements and income. Should you pass our initial check an agent will visit your home at a time that suits you to finalise your application for a doorstep loan.
Can I settle my loan early?
Yes. Circumstances can change all the time and you might receive a bonus or a boost in income that hadn’t previously been accounted for. If you’d like to settle your doorstep loan early, then please discuss this with us or your assigned agent and we’ll provide you with a settlement amount. You may also be entitled to a rebate if you pay your loan early!
What happens if I can’t meet my repayment for a home collected loan?
If you’re struggling to meet your repayments then don’t just ignore it, we are here to help. One of the Cockle Finance team will work with you to understand how a change in circumstance has affected your repayments and will come to a solution that ensures the loan remain affordable and your repayments are kept on track. Should you be struggling with doorstep loan repayments, be sure to contact us today to discuss your options.
I have bad credit can I still apply for a doorstep loan?
Yes. Not everyone has perfect credit scores and one missed bill can hugely impact an overall rating. Our loan decisions are based on a number of specific requirements and we can work with you to tailor a personal credit solution that works for everyone.