Doorstep Loans in Cannock & Lichfield
Looking for home collected credit in Cannock or Lichfield? Our local agents serve communities including Hednesford, Heath Hayes, Norton Canes, Cheslyn Hay, Great Wyrley and Rugeley, with rounds run from our West Midlands office in Bromsgrove. New customers can usually borrow up to £200, with fixed weekly repayments. Existing customers who have kept up regular payments may be able to borrow more. If you’re new to home collected credit, find out how home credit works and what to expect. All lending is subject to affordability and credit checks.
- Fixed weekly repayments
- Local agent
- FCA Authorised
Representative Example
What a loan costs
| Advance | £200 |
| Duration | 22 weeks |
| Weekly Repayment | £14.00 |
| Total Amount Payable | £308.00 |
716.5% APR Representative
Pay Weekly Loans Across Cannock & Lichfield
Valleys Finance provides home collected credit across Cannock Chase and Lichfield, with local agents serving customers in Cannock, Hednesford, Heath Hayes, Norton Canes, Cheslyn Hay, Great Wyrley, Rugeley and the WS13 side of Lichfield, including the city centre. Our West Midlands rounds are run from our office in Bromsgrove, giving you 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 third-generation family business, 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 in Cannock, Hednesford or Heath Hayes, over in Cheslyn Hay and Great Wyrley, or towards Rugeley and Lichfield, 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
1. Apply online or by phone
Tell us how much you'd like to borrow. It takes a few minutes and there's no obligation.
2. 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.
3. Meet your local agent
If approved, your agent goes through your fixed weekly repayments and total repayable.
4. Repay weekly
Your fixed weekly payment is usually collected in person by your agent; other repayment methods are available too.
Postcodes we serve in Cannock & Lichfield
Our local agents regularly serve customers across the WS6, WS11, WS12, WS13 and WS15 postcode districts. The south of Lichfield (WS14) is not currently covered. 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
Nearby areas we also cover
Can't see your postcode?
We cover many parts of the West Midlands from our office in Bromsgrove. Check your postcode 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 Cannock and Lichfield, including Hednesford, Heath Hayes, Norton Canes, Cheslyn Hay, Great Wyrley and Rugeley. The south of Lichfield (WS14) is not currently covered. If you’re unsure whether we cover your postcode, check your postcode or contact us and we’ll be happy to help.
How much can I borrow?
As a new customer, we would typically lend no more than £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 have their weekly payment collected in person by a local agent at home. Not all payments are collected at the door, however — you can also pay by debit card, Continuous Payment Authority or standing order. Your agent will explain the options available to you.
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 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.
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 example: Advance £200, repaid over 22 weeks at £14.00 per week. Total amount repayable £308.00. Representative 716.5% APR.