Shopacheck Loans Reviews, Info & Refunds 2022

Borrowing / Bad Credit Loans
Shopacheck Loans Reviews

If you are assessing whether to take out a Shopacheck loan, or if you’re dealing with any issues from Shopcheck Loans, it is time to read this article.

We will help you understand more about this company, and the details of their loan, including reviews.

About – Who are Shopacheck Loans?

Shopacheck Loans is now known as Morses Club. The companies merged in 2015 and they still offer the same loans as Shopacheck did. The company also offers debt recovery services and is registered in the UK.

What are the key features of the loan?

Morses Club offers loans very similar to that which Shopacheck. The key details are laid out below:


Minimum APR: 342.94%
Maximum APR: 498.34%

The minimum APR is advertised for higher amounts only. For a lower loan amount, the APR could go up to 498.34%.

Loan Amount and Repayment Period

You can borrow between £100 and £1,000.

The loan repayment period can be between 35 – 52 weeks.


Here’s the representative example that they give on their website:

  • Representative APR: 498.34%
  • Loan amount: £300
  • Interest rate: 111.4% (fixed) p.a.
  • Term: 35 weeks
  • Weekly repayments: £15
  • Total amount repayable: £525
  • Total cost: £225

Information correct as of 01/04/21 (MorsesClub)

Will I be accepted for a Shopacheck (now Morses Club) loan? 

Morses Club will assess you based on certain criteria. See if you qualify:

  • Age: 18+
  • Insolvency: No insolvency for the past 6 years

Information correct as of 01/04/21 (MorsesClub)

Shopacheck Loans Review.

Are you planning to make a complaint about Shopacheck (Morses Club) Loans?

Lenders have an obligation to ensure you are treated in a fair and empathetic manner. Should you need to make a complaint, in the first instance, this should be done directly to the company using the details below.

But thereafter, you may wish to escalate it to the Financial Ombudsman if you do not receive a response you are happy with.

Ricky Essex
Kingston House
Centre 27 Business Park
Woodhead Road
West Yorkshire

Morses Club reviews

It’s important to see how other customers have rated their experience with any lender. Take a look at their up-to-date reviews on Trustpilot.

Trustpilot review

Information correct as of 14/06/21 (Trustpilot)

Company information:

After researching Companies House and their website, we found the following information about Morses Club (previous Shopacheck):

Date of incorporation: 16 January 2009
Company status: Active
Company number: 06793980
Company type: Public limited Company
Address: Kingston House Centre 27 Business Park, Woodhead Road, Birstall, Batley, West Yorkshire, WF17 9TD

Information correct as of 01/04/21 (Companies House)

FCA registration:

The Financial Conduct Authority (FCA) is the conduct regulator for financial services firms and financial markets in the UK. 

FCA regulated: Yes
FCA status: Authorised
FCA reference number: 707379
Trading names: Morses, Morses Club, Morses Club PLC
Place of business: 
Kingston House
Centre 27 Business Park
Woodhead Road
West Yorkshire
WF17 9TDW F 1 7 9 T D

Information correct as of 01/04/21 (FCA)

Continuous Payment Authority – the recent changes

The CPA is payment plan used by loan companies and previously, the CPA caused borrowers a lot of problems. Lenders were taken the money from the debtors account whenever they wished, and this was causing debtors to be left without any money in their account.

There have been some recent changes made to the CPA in order to provide borrowers with greater protection. One of these rules is that they cannot try to take the payment on more than two occasions. If it fails twice, no further payments can be made.

Rules are also in place relating to the amount of money lenders are permitted to take. They were previously allowed to take partial payments until the debt was completely cleared, but this rule has changed.

They must only take the full amount, or they must not take anything. If you’d prefer the payments to be taken in instalments, this can be arranged, but you must give them permission before to them doing this.

Getting debt help

These are some organisations you may wish to contact if you are in need of some FREE debt advice:


CONC 2.1 Application

CONC 5.2A Creditworthiness assessment

CONC 13.1 Application


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe
  • Stop interest and charges from soaring