Frequently Asked Questions

When it comes to selecting the cash loan that’s just right for you, we know you’ll have lots of questions. Don’t worry – we’ve got answers!

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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.

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…

Does it matter if I have CCJ's or poor credit?

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

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…

How can I apply?

Applying couldnt be easier or more straight forward! Simply go to our online application form and fill in your details. Once you submit your details, you'll receive an initial decision about your cash loan in just 60 seconds!

How much can I borrow?

For first time customers we are offering a cash loan of up to £500, 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…

How much is it going to cost me?

Cash loan amount of £300 and make 32 weekly payments of £15. Total amount payable £480. No Deposit.

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.

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. Here at Shopacheck, we offera service…

What is the APR of my loan?

Your Agent will explain this to you in more detail when they visit. However our most popular loan is: Cash loan amount of £300 and make 32 weekly payments of £15. Total amount payable £480. No Deposit.

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