About Us

Over 125 years of making the lives of our customers easier

Provident Personal Credit is in the business of helping people manage small, unsecured credit, when they need it.

But that's not all.

Provident and our agents pride ourselves on making sure that the loans are manageable and easy to understand. That way you stay in control of your finances.

We are the leading home collection loan company in the UK and Republic of Ireland

We have a good reputation too; 95% of our customers say they are satisfied with us*. We put this down to the unique service that we provide:

The knowledge of our 11,000 friendly, local agents
The way we make sure you only borrow what you can afford to repay
How we ensure that agreements are as straightforward as possible

Responsible Lending

We believe in responsible lending. As a member of the Consumer Credit Association, we follow voluntary regulations through a code of practice. This means you get extra peace of mind from knowing that this additional protection exists.

Our agents will aim to only lend you what you can afford to repay. Our business is built upon the relationships agents develop with you our customers.

Provident in the community

We believe people are at the heart of our business and therefore we strive to offer a community programme that aims to benefit those who live and work in the areas in which we operate, our customers, agents, employees and the local community.

Read more and see us in action on our group website here

Vanquis Bank

Vanquis Bank provide credit cards for those who may have a bad credit history

Read our testimonials here

George is from Halifax and has been a Provident customer for more than three decades.
There have been times when we’ve struggled with unexpectedly high bills and without Provident we simply wouldn’t have been able to pay them. Our agent Paula is like one of the family now and she’s also been a great help to us during difficult times. Read more testimonials

Compare the price of home collected and other cash loans available in your area at www.lenderscompared.org.uk

If you borrow £300, you will pay back £10.50 over 52 weeks, which adds up to £546.
Typical 272.2% APR

Apply now with our quick form

Apply Now

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Need help? 0800 409 6654

Most asked questions

Copyright © Provident Financial Management Services Ltd 2009. Written credit quotations are available on request. Available to UK residents ages 18+ and over (*subject to change). Applications subject to acceptance. Calls may be recorded. Provident Personal Credit Limited. Registered Office: Colonnade, Sunbridge Road, Bradford BD1 2LQ. Registered Number 146091 England. Provident Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at Colonnade, Sunbridge, Bradford BD1 2LQ. Registered Number 2558509 England. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.