Morses Club

1786 reviews

466.37% Representative

Will lend between: £200 - £1,500

Over: 22 - 53 Weeks

Representative example: If you borrow £200.00 over 34 weeks at a Representative rate of 466.37% APR and an annual interest rate of 107.06% (fixed), you would pay 33 weekly installments of £10. The total charge for credit will be £140 and the total amount payable will be £340.

Are you eligible for Morses Club?

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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Morses Club customer reviews.

1786 reviews

4.6 out of 5 stars

Our review of Morses Club

Morses Club, which merged with Shopacheck in early 2015, state on their website that they help around 200,000 customers around the UK, 100 branches and 2,500 self-employed agents. Their website talks a lot about responsible lending and they appear to want to put a personal spin on the service they provide. Customers can apply online for up to £1000 if they have had a loan with Morses Club before and have proved themselves to be creditworthy. Following a home visit and final checks the agent will provide the loan in cash, and then call back each week to collect the repayments.

One thing to note with Morses Club is that even though the process seems simple and convenient, you are only able to receive a loan from them if you live in an area that is serviced by a branch and agents. You can check your eligibility on their website and if you don’t fall into one of these areas then Morses Club are unable to provide you with a loan.

Overall verdict: Morses Club seem to be able to attribute their success to their friendly agents with customers appreciating their personal touch. Nevertheless, ensure that you can afford the repayments before you apply as otherwise you will be faced with someone at the door who will leave disappointed and if it continues, you’ll end up damaging your credit rating.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • No charge for early repayment
  • Accept customers with poor credit history
  • Will collect repayments directly from you
  • Dedicated agent for each customer
  • Will collect weekly repayments directly from you

Minimum criteria

  • You will need to be over 18 years old
  • You must live in an area with an agent
  • New customer loans are repaid over 20 or 33 weeks


  • Maximum APR 466.37%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Morses Club

Morses Club offer unsecured loans between £100 and £1000 that can be repaid over 22, 34 or 52 weeks. For new customers they offer from £100 - £400 over 22, 34 or 53 weeks. Their representative APR is 466.37%, however the rate you are given could differ, depending on your personal circumstances. Morses Club are a doorstep lender, so after the online application is completed and you are accepted, an agent will deliver the cash directly to your home and will then return each week to collect the repayments.

During the application process an initial form is completed online and includes a credit check, after this the customer will need to pick a date and time for their dedicated Morses Club agent to come to their house, finalise the loan and do an affordability check. The agent will also need to see photographic identification and either a utility bill, payslip, birth certificate or other official letter.

Customers are given a payment card that logs each of their repayment amounts, helping them to keep track of their balance and how many repayments are left in the loan term. There is no charge for settling the loan early - you will need to speak directly to your Morses Club agent who will be able to process this for you.

Company information

Registration number: 6793980


Kingston House Centre 27 Business Park, Woodhead Road, Birstall, Batley, West Yorkshire, WF17 9TD

FCA registration

Reference No: 625039

Trading names: Morses Club

Place of business: Kingston House Centre 27 Business Park, Woodhead Road, Birstall, Batley, West Yorkshire, WF17 9TD

Data protection registration

Registration No: Z1684084

Data controller: Morses Club Limited

Address: Kingston House Centre 27 Business Park, Woodhead Road, Birstall, Batley, West Yorkshire, WF17 9TD

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