Doorstep Loans in Wickford
From Wickford Memorial Park, in the north of the town, to Wick Country Park, in the south, Cockle Finance enjoys a well-deserved reputation for professionalism throughout the entire town. As well as offering online loans to Wickford’s residents, we provide doorstep loans. Popular for many different reasons, our doorstep loans in Wickford mean being able to obtain financing directly from us. This face to face service is ideal for anyone who prefers a personalised service. We’ve been offering doorstep loans in Essex for years and it is a service we provide throughout all of Wickford, too.
One of the big advantages of having a person to deal with rather than an online application process is that you can discuss your financial circumstances with a real human being. So, if you want to borrow some money to buy a car, to repair your home or to cover some unexpected expense that may have cropped up, for example, we can arrange the financing for you to afford it – all from the comfort of your own home. When we arrange doorstep loans, they are sorted out where you live. What’s more, we will call on you every instalment to collect your loan repayment and make sure you stay on track with settling the loan.
This approach is something many people prefer nowadays, especially if they want to obtain a cash loan. With other sources of high street financing, loan payments may only be possible if they are transferred directly into a bank account. However, with Cockle Finance’s doorstep loans, Wickford’s residents can obtain the cash they need directly, often even if they’ve had poor credit histories in the past. Typically, our doorstep loans will be repaid over the course of 20 weeks but we can offer 45-week loan terms and an array of other options, too, depending on your circumstances.
Wickford Residents Can Get Home Collected Credit Right on Their Doorstep
As well as the convenience of obtaining a loan on your doorstep, if you live in Wickford, you will be able to deal with a human being when you begin repaying your loan. This might mean that you want to pay your loan off sooner than you had expected and would like to increase your repayments. Equally, you might find that you want to lower the instalments and increase the number of them you will pay to make the repayments that bit more affordable.
With a doorstep loan, there is always the option of discussing changing circumstances with us face to face every time we come to make a collection. Just being able to talk to someone about their finances is a key reason why many people in Wickford choose our doorstep loans.
Why Opt For Cockle Finance's Doorstep Loans in Wickford?
Our home-collected credit in Wickford suits people who like the personal touch. We have over 50 years of experience in financial services. We think there is no more professional lender you could turn to for a doorstep loan in Wickford today. Why not give us a call to chat about your borrowing needs?
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.