About Us

Provident has over 130 years' experience 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; 93% 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
  • How we ensure that agreements are as straightforward as possible

Responsible Lending

At Provident, 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

^ Customer Tracker, 2013

Read our testimonials here

    Denise is from Leeds and has taken advantage of our home credit loans.

    I’d recommend Provident to anyone as it’s so straightforward and convenient. Our agent, Fran, is marvellous. She always does her best for us. Read more testimonials
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    Compare the price of home collected and other cash loans available in your area at www.lenderscompared.org.uk

    *Loans subject to affordability. To lend responsibly, a home credit loan from Provident will require an Agent to discuss your financial income, outgoings and other financial commitments. Available to UK residents aged 18 and over. Written quotations are available on request.†Based on our Customer Tracker 2013

    Provident Personal Credit Limited, Registered Office: 1 Godwin Street, Bradford BD1 2SU. Registered in England, Number 146091. Authorised and regulated by the Financial Conduct Authority, Interim Permissions Reference Number 002529.

    Satsuma Loans is a trading name of Provident Personal Credit Limited.

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