Short Term Loans
Angles Jones
I needed a short-term loan to help establish a credit history. The process was easy and I had the funds in my bank within 2 days after completing the documentation. My repayments have been hassle free with the office setting these up on Direct Debit. Five star service!
Heidi Simon
Valley finance are a really good company for shortterm borrowing,our agent Gary is absaloutley brilliant and always polite. Would 100% reccomend to friends.
Emily Cushen
Fab company for a short term loan. Never had any issues. Only wish they would bring back the Christmas hampers! Used to love them
It’s quick and simple, apply in minutes.
- Short term loans.
- Loans paid in cash or into bank account.
- Option to repay by Debit card
- No hidden costs or late payment fees.
- Pay weekly, fortnightly or monthly.
Do We Service Your Postcode? Please enter first part of your postcode.
Representative example
Advance £200 – Repayable over 22 Weeks – Normal weekly payment £14.00 – Total amount repayable £308.00 – Representative 716.5% APR
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Why Valleys Finance
- Over 60 years experience as a home credit lender.
- Member of the Consumer Credit Association.
- 000's of satisfied Customers.
- All costs laid out from the outset and no hidden charges or late payment fees.
- Authorised and regulated by the Financial Conduct Authority.
Next Steps
- Use the calculator to choose your requested loan.
- Complete the initial online application.
- If successful, we’ll arrange for our representative to take you through the affordability assessment to ensure that it’s the right loan for you.
- We’ll arrange when to collect your repayments, either from your home or by debit card.
Note – Before you apply there’s a a few things to check
- You must be over 18 years of age.
- Be resident in the UK.
- Have a regular income.
- Not have been declared bankrupt or had a DRO or IVA in the past 6 years.
- That you are not currently receiving debt advice over previous or current commitments.
Frequently asked questions.
Q. What is an affordability assessment?
A. An affordability assessment is carried out each time a customer applies for a loan and is required to ensure that the loan is right for you today and for the term. It is a process of checks and questions carried out by one of our local staff when they visit you at your home.
Q. How soon can I expect to receive my loan?
A. We would aim to complete any successful applications within 2 to 3 working days.
Q. I don't have a good credit history. Can I still apply?
A. Of course you can. We will treat your application on its own merits, however, we cannot guarantee that every loan application will be successful. We only offer loans to people who can show that they're in a position to meet the repayments.
Q. Will my loan be recorded with a credit reference agency?
A. Yes. We are obligated to record all our loans with two CRA's and ongoing monthly payment history.