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Frequently Asked Questions

What is the APR for my loan?

Cash loan amount of £500, 52 weekly repayments of £17, total amount payable: £884. Typical 246% APR.

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What is home collected credit?

Home collected credit service provides small, short-term, unsecured cash loans - typically £50 to £500 through Local agents delivering the money direct to customers' homes with a call every week to collect repayments. The service is simple, convenient, flexible and transparent to you.

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How much can I borrow?

For first time customers we are offering a £500 cash loan, dependent upon your personal circumstances. When you borrow money from Shopacheck, you know exactly how much your repayments will be. So you can borrow money from us knowing that there will never be any unexpected extras.

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Does it matter if I have CCJs, mortgage arrears or poor credit?

No, we look to help everyone, whatever your circumstances.

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Might I be refused a loan?

At Shopacheck we try not to turn anyone away. Whoever you are, whatever your circumstances, we try to find the right loan for you. The only people we automatically refuse are those who make fraudulent applications.

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What happens if I miss a payment?

The first thing to do is to contact your agent who can work through and agree a solution with you. If you continue to miss payments your local branch manager will get in contact to discuss your payment history.

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Are there any extra charges?

No, this is a fixed interest product, unlike some high street banks and credit card companies who charge for missed payments or overdraft facilities.

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What happens if I want to settle my account early?

You should contact your Agent to discuss your requirements and when you settle your account you may be entitled to a rebate.

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I want to keep my account private from other members of my household. Is this possible?

All information you share with us will be treated confidentially. We are bound by the Data Protection Act and we will only discuss details of your loan with you, not other family members or friends.

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What products other than cash loans do you offer?

For new customers £500 is available. Existing customers benefit from being able to choose from a wide variety of products such as high street vouchers and retail products.

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How much is it going to cost me?

Cash loan amount of £500, 52 weekly repayments of £17, total amount payable: £884. Typical 246% APR.

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How can I apply?

Applying is easy, simply complete an online application form and get a decision in principle within 24hrs. Alternatively, call us on 0800 280 0690. We are open Monday to Friday 9am - 8pm and Saturday 9am - 2pm.

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When do I start paying the money back?

You will start paying the money back 7 days after you receive your loan. You will be given a payment book where all your regular repayments are recorded - so you always know where you are with your account performance.

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How are Shopacheck different from normal loan lenders?

We provide a friendly home collected credit service. Unlike banks and building societies in most cases, people do not ever meet a representative from their normal loan lender in person. With Shopacheck you will see your agent at an agreed time. Repayments are collected in person face to face every week by one of our helpful local agents.

Also, a high street lender is unlikely to offer you a loan for very small amounts - our small loans start from just £50.

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As a tenant, loan companies won't help me – will you?

If you're a non-homeowner or a tenant, loan companies that require security will not consider your application. Shopacheck can offer you an unsecured loan for tenants as well as other people who do not own their own homes. We are able to provide an unsecured loan for tenants in private, council and housing association properties, as well as people living in other circumstances.

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