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?

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.

Caculate Online

£100 £1,000
20 Weeks
28 Weeks
45 Weeks
Your repayments are every 1 Week

payable over at per week. Rate of interest fixed; Representative 756.5% APR. Total amount payable is . Compare the price of Home collected and other cash loans at
Total you will Pay:

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.

Doorstep Loans - Frequently Asked Questions

What is a doorstep loan?

A doorstep loan, also known as a home credit loan, is a specific type of personal loan that’s delivered directly to your door. This type of lending service is designed to offer a highly personal approach, providing the convenience of completing the entire loan process – from application to repayment – from the comfort of your home. The loan agent comes to your home to discuss your credit needs, explain the loan terms, and if approved, deliver the cash loan. They will also return to your home to collect weekly repayments, hence the name “doorstep loan”.

Who can apply for a doorstep loan?

Anyone can apply for a doorstep loan. They are designed to be accessible to a wide range of borrowers, including those with poor credit histories or those without a bank account. Doorstep loans are especially useful for individuals who prefer personal service and face-to-face communication, who may not have access to traditional banking services, or who are not comfortable with online or telephone banking. However, as with any loan, the applicant must prove that they have the means to repay the loan within the agreed terms.

What is the maximum amount I can borrow with a doorstep loan?

The maximum amount you can borrow with a doorstep loan depends on several factors including, but not limited to, your personal financial situation, your credit history, and the lender’s policies. Generally, doorstep loans are smaller loans, designed for short-term needs. The loan amount could range from £100 to £2,500, but it’s important to only borrow what you can afford to repay within the agreed terms. A representative from our team can work with you to assess your needs and circumstances and determine the most suitable loan amount for you.

How do I apply for a doorstep loan with your company?

Applying for a doorstep loan with our company is a simple, straightforward process. Start by filling out an application on our website. After we review your application, a local representative will reach out to arrange a home visit at a time that suits you. During this visit, the representative will discuss the terms and conditions of the loan, answer any questions you might have, and assess your income and expenses to ensure the loan is affordable for you. Once the loan is approved, the cash will be delivered to your doorstep.

How quickly can I get a doorstep loan?

Once your application is approved, our goal is to deliver your cash loan directly to your doorstep within a few days. However, this timeline can vary based on individual circumstances. Factors such as the speed of the approval process, the time it takes to arrange a home visit, and local logistical considerations can all impact how quickly the funds are delivered. Our team strives to provide a fast and efficient service, ensuring you have the funds when you need them.

What are the interest rates on doorstep loans?

Interest rates on doorstep loans can be higher than other types of personal loans, reflecting the high level of personal service and the convenience of having a representative come to your home. Additionally, doorstep loans are often used by individuals who may not have access to lower-interest borrowing options, such as those with poor credit. The exact interest rate will depend on several factors, including the amount borrowed, the term of the loan, and your individual circumstances. It’s important to note that the cost of the loan, including both the amount borrowed and the interest charged, will be discussed and agreed upon before you accept the loan.

How do repayments work with a doorstep loan?

Repayments for a doorstep loan are typically made on a weekly basis, making the repayments smaller and more manageable. A local representative will come to your home each week at a pre-agreed time to collect your payment. This allows for consistent, face-to-face communication, and gives you the opportunity to discuss any concerns or changes in your financial situation. It also eliminates the need for a bank account for repayment of the loan.

Can I get a doorstep loan with bad credit?

Yes, it is possible to obtain a doorstep loan even with a poor credit history. We understand that financial difficulties can affect anyone at any time, and a credit history doesn’t always fully reflect an individual’s ability to repay a loan. While we do consider credit history in our decision-making process, we also take into account other factors such as your current income and expenses, your employment status, and your personal circumstances.

What happens if I can't make a repayment?

If you’re facing difficulties and cannot make a repayment, it’s crucial to get in touch with us as soon as possible. We understand that financial circumstances can change quickly and unexpectedly. Our team is committed to treating customers fairly and will work with you to understand your situation and find a mutually agreeable solution. This could involve rearranging your payment schedule, allowing a temporary break in payments, or reducing the amount of your payments for a short period. The sooner we’re aware of any difficulties, the better we’ll be able to help.

Can I pay off my doorstep loan early?

Yes, you can typically repay your doorstep loan early if your circumstances allow. Paying off your loan early can potentially reduce the amount of interest you pay. If you’re considering this option, please get in touch with your local representative who can provide more information on early repayment, including any potential fees or charges, and help you decide if it’s the right option for you.