Top Home Credit Loan Providers in the UK: A Comprehensive Review

Home credit loans, or doorstep loans, offer a practical solution for individuals who prefer personalized service and face-to-face interactions with lenders. These loans are particularly beneficial for those who might struggle to secure traditional bank loans. Here, we review some of the top home credit loan providers in the UK, detailing their services, interest rates, and customer experiences.

1. Provident Financial

Overview: Provident Financial is one of the most well-known home credit providers in the UK, with a history dating back over 140 years. They specialize in providing small, short-term loans to individuals who may not qualify for traditional credit.

Key Features:

  • Loan Amounts: £100 to £2,500
  • Repayment Terms: 13 to 104 weeks
  • Interest Rates: Varies depending on loan amount and term, but generally higher than traditional loans
  • Application Process: Online application followed by a home visit for finalization
  • Customer Service: Personalized service with regular visits from an agent

Customer Feedback: Provident Financial is praised for its personalized approach and flexibility in repayment. However, customers should be aware of the higher interest rates compared to bank loans.

2. Morses Club

Overview: Morses Club is another leading provider of doorstep loans in the UK, known for their customer-centric approach and flexible loan terms.

Key Features:

  • Loan Amounts: £100 to £1,500 for new customers, up to £3,000 for existing customers
  • Repayment Terms: 22 to 78 weeks
  • Interest Rates: Fixed rates, detailed during the application process
  • Application Process: Quick online application followed by a home visit for verification and loan agreement
  • Customer Service: Weekly or bi-weekly home visits for repayment collection

Customer Feedback: Morses Club receives positive reviews for its straightforward application process and supportive customer service. The flexibility in repayment terms is also a significant advantage.

3. Loans at Home

Overview: Loans at Home offers straightforward home credit loans with a focus on providing financial solutions tailored to individual needs.

Key Features:

  • Loan Amounts: £200 to £1,000 for new customers, up to £2,500 for existing customers
  • Repayment Terms: 14 to 52 weeks
  • Interest Rates: Fixed APR, transparent during the application process
  • Application Process: Online or phone application followed by a home visit for final approval
  • Customer Service: Personalized home visits for loan delivery and repayments

Customer Feedback: Customers appreciate Loans at Home for their transparency and ease of application. The fixed APR and clear repayment terms are particularly noted for helping borrowers manage their finances effectively.

4. Oakam

Overview: Oakam offers a range of financial products, including home credit loans, with a focus on accessibility and digital solutions.

Key Features:

  • Loan Amounts: £200 to £5,000
  • Repayment Terms: 3 to 36 months
  • Interest Rates: Varies, with an emphasis on clear and upfront costs
  • Application Process: Fully online application with options for home visits if needed
  • Customer Service: Digital and in-person support available

Customer Feedback: Oakam is highly rated for its user-friendly digital platform and flexible loan options. The ability to manage loans online is a significant benefit for tech-savvy customers.

5. H&T Pawnbrokers

Overview: H&T Pawnbrokers, while primarily known for pawnbroking, also offers home credit loans. They combine traditional financial services with modern lending practices.

Key Features:

  • Loan Amounts: £50 to £1,000 for new customers, up to £5,000 for returning customers
  • Repayment Terms: 3 to 12 months
  • Interest Rates: Competitive rates with clear terms
  • Application Process: In-store application followed by home delivery and collection services
  • Customer Service: Personal approach with flexible repayment options

Customer Feedback: H&T Pawnbrokers are appreciated for their competitive interest rates and personal service. The combination of in-store and home services provides flexibility and convenience.

Choosing the Right Provider

When choosing a home credit loan provider, consider the following factors:

  • Interest Rates and Terms: Compare APRs and repayment terms to ensure affordability.
  • Customer Service: Look for providers with positive customer reviews and reliable support.
  • Flexibility: Assess the flexibility in repayment options and any additional benefits offered by the provider.
  • Application Process: Choose a provider with a straightforward and transparent application process.


Home credit loans offer an accessible and convenient option for those who may not qualify for traditional bank loans. The top providers in the UK, such as Provident Financial, Morses Club, Loans at Home, Oakam, and H&T Pawnbrokers, each offer unique benefits tailored to meet the diverse needs of borrowers. By understanding the features, customer feedback, and application processes of these providers, you can make an informed decision and choose the right home credit loan for your financial situation. Always remember to read the terms carefully and consider the total cost of borrowing before committing to a loan.