A family lender, working locally
We have lent in the South Wales valleys since 1969, and the business is still run from Tredegar by the third generation of the same family.
Areas We Cover
Doorstep & pay weekly loans across South Wales
Home collected credit for new customers, usually up to £200, with local agents across the South Wales valleys, Gwent, Bridgend and Swansea Bay. Fixed weekly repayments, no hidden fees, and a friendly local agent — all run from our head office in Tredegar. Existing customers may be able to borrow more, subject to affordability. All lending is subject to affordability and credit checks.
Local Doorstep Lending
Lending in the valleys since 1969
Valleys Finance began in Tredegar in 1969 and has been run by the same family ever since. Home collected credit is what we have always done: small loans repaid in fixed weekly instalments, arranged face to face with an agent who lives and works in the same communities as the customers they visit.
Across South Wales our agents cover the Rhondda, Cynon and Sirhowy valleys, Merthyr and Blaenau Gwent, down through Newport and Gwent, west to Bridgend, Neath, Port Talbot and Swansea, and on to Llanelli and Carmarthen. Every loan comes with a fixed weekly amount and a total repayable agreed before you borrow, so there are no hidden fees and no surprise charges. We assess each application on affordability as well as credit history, and only lend what we believe you can comfortably repay.
Find Your Area
Where we lend in South Wales
Choose your area below for local coverage details and how to apply. Coverage is set by postcode rather than by town, so if your area isn’t listed use the postcode checker — we may still cover you.
The Valleys
Find Your Area
Gwent & Blaenau Gwent
Swansea Bay & the west
Bridgend & Maesteg
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 South Wales
We cover a great deal of it, but not everywhere. Our agents work set rounds, so coverage is defined by postcode rather than by county. The postcode checker will tell you in seconds whether an agent serves your address.
Our head office is on Commercial Street in Tredegar, and we have lent as a family business in the valleys since 1969. Local agents cover rounds across the valleys, Gwent, Bridgend and Swansea Bay.
Cardiff and the Vale of Glamorgan are not currently part of our rounds. Our South Wales coverage centres on the valleys, Gwent, Bridgend and Swansea Bay.
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 South Wales
Fixed weekly repayments, a friendly local agent, and no hidden charges. 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.