Doorstep Loans in Braintree

From Bocking in the north of Braintree to Notley Green on the southern side of the A120, Cockle Finance is able to provide the residents of Braintree with flexible doorstep loans. Ideal when you want to enjoy a more personal service than you would be able to obtain from an internet-based or even a high street lender, our Braintree doorstep loan service means you will be able to deal with a real human being at each stage.

If you would like to enquire about our doorstep loans in Braintree, then feel free to drop us a line. We can discuss your borrowing requirements or make an appointment to come and see you. This is all part of the service with a doorstep loan, of course, because if you were to take one out with us, we would call in person to take each of the repayments on the given schedule. By splitting up your payments into affordable instalments, you will be able to better budget for one-off expenses, such as repairing your car or redecorating your home. Why put these things off when you can afford them now with a professional doorstep loan service in Braintree?

As an award-winning firm – we were named as customer service champions at the 2021 consumer credit awards – you will be in safe hands with our professional staff. If you need to alter the terms of the loan or think you will be in difficulty making one week’s payment, then you will have the same familiar face to deal with. This is what marks our doorstep loans out from other sources of financing and is a big reason why they are so popular throughout Essex including Braintree.

Why Do the People of Braintree Want Doorstep Loans?

One of the reasons people turn to us for a Braintree doorstep loan is that the money that is borrowed will be provided in cash. This way, you won’t have to wait for a bank transfer or a cheque to clear. As such, you can begin spending your loan as soon as the terms are agreed upon. This means being able to obtain fast and affordable credit that suits your individual circumstances. 

At Cockle Finance, our Braintree doorstep loans can even be taken out if you have a chequered credit history. We will discuss loan terms with anyone in the town whether they live close to the River Brain or the Blackwater River. Furthermore, doorstep loans are taken out with us in Braintree because our local agents take such care to ensure all of your finances are taken into account before proceeding.

Turn to Cockle Finance For Competitive Doorstep Loans Braintree Residents Can Trust

As proud members of the UK’s Consumer Credit Association, there is no more reliable firm to discuss a doorstep loan with in Braintree than Cockle Finance. We have been dealing with personal finance in Essex for decades and have built up a well-deserved reputation for fairness and honesty. In other words, we are a name you can trust.

Doorstep loans, also known as home credit loans, are a type of personal loan. As the name suggests, the cash loan is delivered to your doorstep. A member of our dedicated team will then come around to your home on a weekly basis to collect your loan repayments.
This form of lending means:

  • Small cash loans of £100 to £1000 for new customers (and up to £2500 for existing customers) subject to affordability.
  • Loans are managed on face to face basis by team members/agents visiting you at home
  • Repayments are fixed weekly amounts for a fixed number of weeks (typically 13 to 52)
  • No hidden costs or charges – even if you miss a payment or two

Just like other kinds of borrowing, a doorstep loan can have either a positive or negative impact on your credit rating, depending on how well you manage it. Like all loans, a doorstep loan does affect your credit score. Whether this effect is positive or negative depends on you. If you repay it in full and on time, it should make a favourable change to your credit score.

Even if you started with a poor rating, you may be able to leave the lender with a better one. How? Simply by paying off all of your loan by the date you agree when you take it out. Of course, on the flip side, just like any lender, not repaying on time can harm your score and can affect you obtaining credit in the future.

The difference between a doorstep lender and some other lenders is that a doorstep lender could lend to you even if you don’t have the best history at the moment. So, you actually get the chance to begin improving your score if you pay off your loan on time.

At Cockle Finance our aim is to make the process as smooth and simple as possible for our clients. We’ll help to take away the stresses of needing a small amount of cash, in and around the area of Preston. For more information simply call our professional loan advisors today, they’ll be more than happy to assist. Our assessments are quick and easy, and we’ll be able to determine quickly whether our doorstep loan service is the right choice for you. After this we will arrange to meet and discuss your options further, this is all done at a time which is convenient for you.

Doorstep loans can also be known as home credit loans, these are a type of personal loan. Just as the name suggests, the cash loan is delivered directly to your doorstep. A member of our dedicated team will then come around to your home on a weekly basis to collect your loan repayments.

  • Doorstep Loans – This is when a company will bring the money that has been loaned to a person’s home and collects the repayments from the doorstep in installments – depending on the arrangement of the loan.
  • Payday Loans – This is usually a short-term loan usually for a small amount of money. The lender is designed payday loans for you to pay them back when you get your next salary on your payday.

But remember that your doorstep loan is the same as any other debt, and they don’t have any extra legal powers. The agent isn’t a bailiff, and they can’t come into your house or take anything from you. They can’t force you to pay money you don’t have.

Cockle Finance- Your Trusted Financial Partner in Braintree

At Cockle Finance, we are committed to supporting the thriving and historic community of Braintree. We recognise the unique financial needs and opportunities within our town, and we’re here to provide the financial assistance you need with our doorstep loans.

Facing Financial Challenges Together

You’re part of a vibrant community in Braintree, but financial difficulties can sometimes arise. It’s important to know that you’re not alone. We understand that the ups and downs of life can arrive when you least expect them. Sometimes, you just don’t have that rainy day pot for when the washing machine breaks or the car fails its MOT—and that’s what we’re here for.

Did you know around 4% of Braintree residents are currently unemployed, and 10% are receiving benefits? If you are experiencing similar challenges we can help in those instances too. Cockle Finance is here to support you every step of the way, whatever your circumstances.

Local Support and Resources

For those seeking additional help and advice, the nearest Citizens Advice Bureau in Braintree is located at 1-3 George Yard, Braintree, CM7 1RB. They offer free and confidential advice on a variety of issues, including financial guidance, employment support, and housing advice.

Financial Landscape of Braintree

Understanding the financial landscape in Braintree can help you make informed decisions. The average credit score in Braintree is 650, which can influence your access to certain types of credit. At Cockle Finance, we strive to understand your unique situation and provide loans that are tailored to your needs, regardless of your credit history.

Banking Services and Cash Machines

Access to banking services is essential. Recently, the number of banks and cash machines in Braintree has decreased, making it more challenging for residents to access their funds. Currently, there are 4 banks and 9 cash machines in the area, some of which charge fees for withdrawals. Cockle Finance offers a convenient alternative with our doorstep loan service, bringing financial solutions directly to your home.

Post Office Services

Post offices are vital for many community members, offering more than just postal services. In Braintree, there are 2 post offices providing services such as bill payments, banking, and more. We encourage you to utilise these resources for your everyday needs.