Lenders focus on the ability to repay and so there are regional variations in the amount of credit granted to individuals
. The wealthier regions have more appeal than the poorer regions in the North and West of the country. Less well off areas are the domain of the subprime lenders and doorstep lenders who use different products and techniques to approach the market. Weekly payments and short term loans at high rates will be more common in these areas as people's credit ratings are generally lower and less appealing to mainstream lenders.