Doorstep Loans South Benfleet
A doorstep loan is a loan that is made to you directly, literally to your door. What’s more, for residents of South Benfleet, doorstep loans are available right now from Cockle Finance. With over 50 years of experience in the financial sector, Cockle Finances offers a wide range of loans including payday loan alternatives and unsecured loans. In South Benfleet, our doorstep loan service is also available for all residents of the town, whether they have a poor credit rating or not.
Why not give us a call and we’ll take a few details before coming to your home to see you with the loan paperwork? Everyone is considered for a doorstep loan in South Benfleet regardless of their borrowing history. Even better, if your loan is approved by us, you will receive your loan in cash. This is very different from the way many high street lenders work because they will usually want to forward the sum you are borrowing to you via a bank transfer. Obtaining your loan in cash instead is just one of the advantages of a doorstep loan in South Benfleet, however.
Another key part of the service we offer is that we will call on you every week to collect your repayments in equally affordable instalments. This helps many people to manage their weekly finances while also allowing them to cover one-off spending, such as needing to replace a kitchen appliance or to cover the costs of redecorating.
Whatever your reason for wanting a doorstep loan in South Benfleet, we will put together a proposal for you. Once the sum you want to borrow has been agreed, we can then adjust the term of the loan – that is, the number of repayments you will need to make – so that each instalment suits your financial circumstances. What’s more, all this is sorted out for you face-to-face with a human being rather than an impersonal computer screen!
Personalised Loans on Your Doorstep in South Benfleet
One of the best things about obtaining a South Benfleet doorstep loan from Cockle Finance is that we have a great reputation throughout Essex. Our doorstep loans are provided by professionals who know what they are doing and who you can talk to. So, for example, if you wanted to pay your loan off earlier than you had originally planned, all you’d need to do would be to talk to us at our next visit. The same goes for times when you might be struggling to make a repayment. Rather than burying your head in the sand and worrying about it, we will be there and on hand to help you resolve the situation in a way that suits you.
Why Ask Cockle Finance to Provide You With a South Benfleet Doorstep Loan?
Cockle Finance is a long-standing member of the Consumer Credit Association, so we are a name you can trust. Our doorstep loans in South Benfleet have helped many of the town’s inhabitants to spread the cost of big-ticket items before and we can also help you do the same. Why not call us today?
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.