Pay weekly loans from your local doorstep lender
Valleys Finance offers pay weekly loans from £100 to £1,000, repaid in fixed weekly instalments. Many customers repay in person to a local agent who visits them at home, and other repayment methods are available too. All lending is subject to affordability and credit checks, so the amount you can borrow depends on what you can comfortably afford to repay.
- Fixed weekly repayments, agreed before you borrow
- A local doorstep lender, not an app or a call centre
- FCA-authorised family lender (firm reference 706238)
Representative Example
What a loan costs
| Advance | £100 |
| Duration | 22 weeks |
| Weekly Repayment | £7 |
| Total Amount Payable | £154 |
716.5% APR Representative
Small loans you repay a little at a time, every week
A pay weekly loan is a straightforward way to borrow a small amount of money and repay it in equal weekly instalments. Instead of one large monthly repayment, you make a small fixed payment each week. With Valleys Finance, many customers have their weekly payment collected in person by a local agent who calls at their home, though other ways to pay are available if that suits you better.
It is a form of home collected credit, also known as doorstep lending. A weekly repayment loan can suit people who are paid weekly, who prefer to budget week by week, or who would rather deal with a person they know than an online form. All applications are assessed for affordability, so we only lend what we believe you can comfortably repay.
Why choose a weekly repayment loan?
Weekly repayments can be easier to fit around a weekly budget than a single monthly bill. Because the weekly amount and the total repayable are both fixed at the start, you know exactly what you will repay from day one. There are no hidden fees and no default charges added if you miss a payment. If your circumstances change, you talk to your agent — someone who already knows you — rather than a call centre.
Because this is a small-sum, short-term loan, the representative APR looks high compared with longer-term borrowing. This reflects the fixed cost of providing and collecting a small loan over a short period, not a hidden charge. The figure that matters most for budgeting is the total amount repayable, shown in the representative example above
How our pay weekly loans work
Apply online or by phone
Tell us how much you would like to borrow. Applying takes a few minutes and there is no obligation to proceed.
We carry out affordability and credit checks
We assess what you can realistically afford to repay each week, alongside a credit check. This helps make sure a loan is right for you before we lend.
Meet your local agent
If your application is approved, your agent brings your money to your home and goes through your fixed weekly repayments and total repayable in plain English.
Repay weekly
Your fixed weekly payment is usually collected in person by your agent, and other repayment methods are available if you prefer. The weekly amount never changes, and the loan is complete once the agreed total is repaid.
Pay weekly loans and your circumstances
Weekly repayment loans with less-than-perfect credit
We assess affordability as well as credit history, so a poor credit score does not automatically rule you out. Lending is always subject to our checks, and we will only offer a loan we believe you can afford.
Switching from a doorstep lender that has closed
If a previous home credit provider such as Provident has stopped lending, we offer the same weekly, face-to-face doorstep service from an established family firm — subject to the same responsible affordability checks.
Loans for people paid weekly
If your wages or income arrive weekly, weekly repayments keep your borrowing in step with your income, which can make a small loan easier to manage.
Pay weekly loans in your area
Nearby areas we also cover
Pay weekly loan questions
What is a pay weekly loan?
A pay weekly loan is a small cash loan you repay in fixed weekly instalments. With Valleys Finance, weekly payments are commonly collected in person by a local agent at your home, and other repayment methods are also available. It is a type of home collected credit, or doorstep loan.
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.
Are the weekly repayments fixed?
Yes. You agree one fixed weekly payment and a fixed total repayable at the start, and neither changes. There are no hidden fees and no default charges added for missed payments.
How do I make my weekly payments?
Home collected credit is designed around a local agent calling at your home each week to collect your payment in person, and this is how many of our customers repay. Not all payments are collected at the door, however — alternative repayment methods are available, and your agent will explain the options that work for you when your loan is arranged.
Why is the representative APR so high?
APR is an 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 a larger share of a smaller advance. For budgeting, the total amount repayable in the representative example is the clearest figure to look at.
How do I apply?
You can apply online in a few minutes or call us on 01495 722333. If your application is approved, your local agent arranges everything from there.
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.