Doorstep Loans in Rayleigh

With over five decades of experience in providing financial services in Essex, Cockle Finance is the ideal place to turn for doorstep loans in Rayleigh. We have been helping the people of Rayleigh with their borrowing requirements for years. If you would like a loan but want a personalised service which means you see a real human being rather than interacting with a computer form or only talking on the phone, then our Rayleigh doorstep loan service may well be for you.

Doorstep loans are just like other sorts of financing. The only difference with a Rayleigh doorstep loan is that we will come to visit you at your home to sort the details of the loan out. Once the amount you want to borrow has been agreed upon and the number of instalments you will take to repay the loan has been sorted out, we will provide you with cash. This way, the sum you are borrowing won’t need to be paid into a bank account, something that suits many inhabitants of Rayleigh for various reasons.

After you have received your loan, we will then call on you to take the repayments for the agreed period of instalments. Again, this is done by calling at your home which is why this sort of unsecured, short-term loan is called a doorstep loan. Whether you need to borrow to pay for some home improvements, to cover an unforeseen expense or to get your car back on the road, a flexible doorstep loan can often be the best option.

Versatile Loans on Your Doorstep in Rayleigh

Because you don’t need to apply online for one of our Rayleigh doorstep loans, the whole process of obtaining a doorstep loan is often simpler, something that suits many people. Equally, we will be on hand each week to collect every repayment and to ensure you don’t miss any. Of course, if your circumstances change and your borrowing requirements alter, we will also be there to discuss any new arrangements that might be needed. It is this versatility that makes our doorstep loans in Rayleigh so popular.

Another good thing to mention about obtaining a doorstep loan in Rayleigh is that Cockle Finance will consider all applicants. Give us a call even if you have a chequered credit history. Whereas other lenders may turn you down, the closer contact you get with a doorstep loan means we can often provide much-needed cash loans. All of our loan agents are professionals and put our customers first whatever their borrowing needs might be.

Why Select Cockle Finance as Your Rayleigh Doorstep Loan Provider?

As a member of the Consumer Credit Association, Cockle Finance is a trusted name in doorstep loans throughout Rayleigh. We can arrange for a doorstep loan for you anywhere in the town. Even better, our face-to-face service means that you will always have someone to talk to. This can be beneficial if you think you may struggle to make your next payment or want to repay the loan earlier than initially agreed, for example.

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.