Run from our Bromsgrove office
Sitting between Birmingham, Worcester and the Black Country, our Bromsgrove base keeps our agents close to the communities they serve right across the region.
Areas We Cover
Doorstep & pay weekly loans across the West Midlands
Home collected credit for new customers, usually up to £200, with local agents serving Birmingham, the Black Country, Worcestershire, Gloucestershire and Herefordshire. Fixed weekly repayments, no hidden fees, and a friendly local agent — all run from our office in Bromsgrove. Existing customers may be able to borrow more, subject to affordability. All lending is subject to affordability and credit checks.
Find Your Area
Where we lend in the West Midlands
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.
Birmingham and Black Country
Worcestershire
Gloucestershire
Herefordshire
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.
Home collected credit
Lending across the region
Valleys Finance has been a family-run lender since 1969. Across the West Midlands and its neighbouring counties, we offer home collected credit — small loans repaid in fixed weekly instalments, with the option for a local agent to call and collect in person. It’s a personal, face-to-face way to borrow that suits people who prefer dealing with someone they know rather than an app or a call centre.
Every loan comes with fixed weekly repayments and a total repayable amount that’s agreed before you borrow, so there are no hidden fees and no surprises. We assess each application on affordability as well as credit history, and only lend what we believe you can comfortably repay.
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 West Midlands
We cover much of Birmingham, along with Sandwell and the wider Black Country, but not every Birmingham postcode. The postcode checker gives a definitive answer for your address in seconds.
Our West Midlands rounds are run from our office in Bromsgrove, with local agents covering Birmingham, the Black Country, Worcestershire, Gloucestershire and Herefordshire.
Our rounds cover Wolverhampton, Walsall, Dudley, Stourbridge, Cannock and Lichfield, plus Bromsgrove, Droitwich, Redditch, Worcester, Kidderminster, Malvern and Evesham in Worcestershire, Gloucester, Cheltenham, Stroud, the Forest of Dean and Tewkesbury in Gloucestershire, and Hereford.
New customers can usually borrow up to £200. Returning customers may be offered more, subject to affordability.
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 West Midlands
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