Doorstep Loans in Sandwell, Oldbury & West Bromwich
Looking for home collected credit in Sandwell, Oldbury & West Bromwich? We provide loans from £100–£1,000 with fixed weekly repayments and support from local agents serving Oldbury, West Bromwich, Smethwick, Tipton, Wednesbury and surrounding areas. If you’re new to home collected credit, find out how home credit works and what to expect from the process. All lending is subject to affordability and credit checks.
- Fixed weekly repayments
- Local agent
- FCA Authorised
Representative Example
What a loan costs
| Advance | £100 |
| Duration | 22 weeks |
| Weekly Repayment | £7 |
| Total Amount Payable | £154 |
716.5% APR Representative
Pay Weekly Loans Across Sandwell, Oldbury & West Bromwich
Valleys Finance provides home collected credit across Sandwell, with local agents serving customers in Oldbury, West Bromwich, Smethwick, Rowley Regis, Cradley Heath, Tipton and nearby communities. Operating from our Bromsgrove office, we’re well placed to support customers throughout the area with a personal, local service and straightforward weekly repayments. Home collected credit gives you the option to borrow with fixed weekly repayments that are agreed before your loan begins. If your application is approved, repayments are usually collected in person by your local agent, although other repayment methods are available if needed. Before you decide to borrow, we’ll explain the total amount you’ll repay and answer any questions you may have, helping you make an informed choice.
Why Local People Choose Us
As a family-run lender established in 1969, we’ve always focused on providing straightforward lending with clear information and personal service. We assess each application individually, taking affordability into account rather than relying solely on a credit score. All lending is subject to affordability and credit checks, and approval is not guaranteed.
Whether you live close to West Bromwich town centre, around Oldbury, in Smethwick, Rowley Regis or the surrounding neighbourhoods, our aim is the same: to offer responsible borrowing with fixed weekly repayments and support from a local agent who can explain your agreement clearly.
How it works
Postcodes we serve in Sandwell, Oldbury & West Bromwich
Our local agents regularly serve customers across Sandwell, including Oldbury, West Bromwich, Smethwick, Rowley Regis, Cradley Heath, Tipton and nearby areas. If your postcode is listed below, we may be able to help. If you’re just outside these districts, please check our wider coverage map or get in touch.
Our agents cover these districts
Apply online or by phone
Tell us how much you'd like to borrow. It takes a few minutes and there's no obligation.
We check affordability
We look at what you can realistically repay each week, alongside a credit check, to ensure a loan is right for you.
Meet your local agent
If approved, your agent goes through your fixed weekly repayments and total repayable.
Repay weekly
Your fixed weekly payment is usually collected in person by your agent; other repayment methods are available too.
Nearby areas we also cover
Can't see your postcode?
We cover many parts of the West Midlands from our Bromsgrove office. Check our full coverage map or contact us to find out if a local agent serves your area.
Common questions
Do you cover my area?
We provide home collected credit across Sandwell, Oldbury, West Bromwich and surrounding areas, including Smethwick, Tipton, Wednesbury and nearby locations. If you’re unsure whether we cover your postcode, contact us and we’ll be happy to help.
How much can I borrow?
We offer loans from £100 to £1,000. For first-time customers, the maximum loan is £200. If you’ve borrowed from us before and maintained a good repayment history, you may be eligible for more, subject to our affordability assessment. We only lend what we believe you can comfortably repay each week.
Can I get a loan with bad credit?
Possibly. We consider your affordability alongside your credit history when assessing an application. A poor credit score does not automatically mean you cannot apply, but all lending is subject to affordability and credit checks, and approval is not guaranteed.
How do I make my weekly payments?
Many customers make their weekly payments with support from a local agent who can visit them at home. Your agent will explain the options available to you and help you choose the most suitable way to make your payments.
How does home collected credit work?
Home collected credit allows you to borrow money and repay through agreed weekly payments. A local agent can provide support throughout the process and explain how repayments work. You can also learn more about how home credit works.
Why is the APR so high?
APR is annual measure, so for a small loan repaid over a short period it can look high even when the total cost in pounds is modest. The fixed cost of arranging and collecting a small doorstep loan makes up larger share of a smaller advance. For budgeting, the total amount repayable in the representative example is the clearest figure to look at.
Ready to apply?
Apply online in just a few minutes. If your application is approved, your local agent will explain your agreement, answer any questions and arrange your fixed weekly repayments. All lending is subject to affordability and credit checks.
Representative 716.5% APR. Representative example: £100 over 22 weeks. Total amount repayable £154.00.