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Door Step Loans
What is a doorstep loan?
Also known as home collected credit, doorstep loans are a type of personal loans, and are provided by a lender whose agents come to your door, typically on a weekly basis. This means that your agent can get to know you and ensure the small loan is affordable and suitable for your situation. All of our meetings will take place in the comfort of your own home. Doorsteps loans are a friendly and personal service, and that’s just how we like it at Estone.
Why take out a doorstep loan with estone?
Our service is intended to be convenient to you, with a friendly agent, local to your area discussing your loan options in your own home. Because we get to know your needs, you won’t be treated as another customer on a list – we’ll be able to help you choose a loan that’s suitable for your individual circumstances. We won’t surprise you with any hidden charges or unethical late payment fees. You can talk through any concerns you may have when you meet with your agent and your loan will be tailored specifically to your situation, our loan terms are some of the most flexible in United Kingdom. What’s more, even if your circumstances change, we won’t charge you any more than what was initially agreed. We believe in open honest lending to our customers.
Pay Weekly Loans
If you’re looking at taking out a loan, you can borrow between £50 and £1000 with Estone and pay back the cash in regular weekly instalments. Use our online loan calculator to decide how much you’d like to borrow and over what period of time you’d like to repay it – we are one of the UK’s most flexible doorstep lenders, so have a look at our large selection of loan terms and select a loan amount and loan term that suits your circumstances. Pay weekly loans are easy for you to manage and always keep you in control and that’s how it should be.
Bad Credit Loans
With a little extra consideration and by approaching the right lender, you could borrow the cash you need – even with a less than perfect credit score.
When you want to borrow money, the Estone flexible loan calculator will give you a clearer picture of your financial outlook by showing you the details of the loan. This handy tool also shows you exactly how much interest you’ll be paying, and the exact weekly payment schedule, so you can make an informed borrowing decision.
If you have poor credit, it’s still worth taking a look at our calculator. We consider every loan application on its own merits and in some circumstances we can provide loans for people with bad credit, we believe everybody deserves a second chance.
If you’re looking to access a small loan of between £50 and £1000, we may be able to help. We’re a direct lender, providing cash loans to people in all different circumstances. If you’re thinking about taking out a loan, you can use the flexible Estone loan calculator to work out how much you’d like to borrow and choose whether to pay back your small personal loan over as little as 12 weeks or as long as 102 weeks. At Estone we believe having so many loan terms helps us keep the customer in control, our flexibility is the key to keeping our customers happy. Unlike payday lending companies our small loans do not escalate into big loans! We do not charge any hidden fees, late payment charges, and we never roll over a loan. Our philosophy is simple… “Easy, personal, compassionate lending”
Our service is designed to help you, not hinder you. For that reason we ensure that all of our loans are firstly affordable for our customers before the loan is granted. Responsible loans are in the best interest of both the customer and of the company. We are not a shareholder funded business, just a family business; therefore we like to ensure each loan that is provided is affordable for the customer and intelligent for the company. All of our loans are underwritten by a human being and not a computer program; this makes the loan personal and unique to you.
How do we ensure the loans are affordable?
- Complete a credit check
- Complete and in-depth affordability application
- Take a copy of proof of income
- Consider the customers debt to income ratio (DIR).
- Set a Credit Limit (this is usually a maximum of 30% of a customer’s disposable income depending on their circumstances).
- Consider potential changes to the customer’s income and expenses in the future (forward thinking assessment philosophy).
- Set aside a contingency percentage of a customer’s expenses to account for unforeseen cost increases over the term of the loan.
- Have an experienced loan underwriter authorise your loan to ensure it’s granted in the best interest of the customer.