A family lender, working locally
Valleys Finance has lent as a family business since 1969. Our North West agents work established rounds across Merseyside, Greater Manchester, Cheshire and into North Wales
Areas We Cover
Doorstep & pay weekly loans across the North West
Home collected credit for new customers, usually up to £200, with local agents across Merseyside, the Wirral, Cheshire, Greater Manchester and North Wales. Our North West office is based at Cinnamon House, Cinnamon Park, WA2 0XP. Fixed weekly repayments, no hidden fees, and a friendly local agent. Existing customers may be able to borrow more, subject to affordability. All lending is subject to affordability checks.
Home collected credit across the North West
Home collected credit is a personal way to borrow a small amount and repay it weekly. Rather than one large monthly payment, you pay a small fixed sum each week, and for many customers that payment is collected in person by a local agent who calls at the house.
Across the North West our agents cover Liverpool and Merseyside, the Wirral and Chester, Warrington, Widnes and Runcorn, Wigan, Bolton and Greater Manchester, parts of Lancashire, and across the border into Wrexham and the North Wales coast. Wherever you are, the terms work the same way: a fixed weekly repayment and a total repayable agreed before you borrow, with no hidden fees. Every application is assessed on affordability as well as credit history.
Find Your Area
Where we lend in the North West
Choose your area below to see local coverage, the postcodes we serve and how to apply. If your town isn’t listed, we may still cover it — get in touch and we’ll check.
Merseyside
Wirral & Chester
Greater Manchester & Lancashire
North Wales
Not sure if we cover your postcode?
Use the postcode checker for an instant answer. It reads from our live coverage records, so it's accurate even where a town has no page of its own.
Simple and Personal
How a doorstep loan works
1
Apply online or by phone
Tell us how much you'd like to borrow. It takes a few minutes.
2
We check affordability
We review affordability and carry out a credit check.
3
Meet your local agent
If approved, your agent explains everything in plain English.
4
Repay weekly
Usually collected in person; other methods available too.
FAQS
Questions about the North West
Our agents work established rounds across Merseyside, the Wirral, Cheshire, Wigan and Bolton, parts of Greater Manchester and Lancashire, and into North Wales. Coverage is set by postcode rather than by town, so the postcode checker is the quickest way to be certain.
Not every district. In larger cities we cover specific rounds rather than the whole city, so it is always worth checking your postcode even if we list your town.
New customers can usually borrow up to £200. Returning customers may be offered more, subject to affordability. All lending is subject to affordability and credit checks.
Possibly. We consider affordability alongside your credit history, so a low score does not automatically rule you out. Approval is never guaranteed.
Many customers have their payment collected in person by a local agent. Not all payments are collected at the door, however — other repayment methods are available and your agent will explain them.
Apply for a loan in the North West
Fixed weekly repayments, a friendly local agent, and no hidden charges. All lending is subject to affordability and credit checks.
Representative 716.5% APR. Representative example: £200 over 22 weeks. Weekly Repayable £14. Total amount repayable £308