Thinking Of A Loan?

  1. How Are Agent-Collected Loans Different To Other Loans?
    • Agent-collected loans are different because our agents call at your home to collect your repayments. To find out more about our agents visit What is an agent.
      Agents are paid commission on how much money they collect, not how much they lend. So it's in their interest to make sure you only borrow what you can afford to pay back.
      Finally, agent-collected credit gives you the option to borrow small amounts – we offer loans starting from just £100.

  2. When Will I Get My Money?
    • We believe in a personal service. When you apply for a loan with us, you’re given an immediate decision in principle. If successful, an agent will visit you at home at a time to suit you to chat through your loan. You should be contacted within 24 hours of your initial application so we can arrange this visit. Once your loan has been approved your agent will call back to your home to drop off your cash – it’s that simple! If you’ve already applied and need to speak to someone please give us a call on 0800 096 6064.
  3. Who Are Agents?
    • Provident Agents are at the heart of our business, offering a personal service to our customers. Your Agent will visit you in your home to discuss your loan and repayments and will then deliver your loan to you at a time that's convenient. Your agent will also arrange a convenient day to call and collect loan repayments.

      95%† of our customers agree that their agents are trustworthy, professional and friendly. In fact, many used to be customers of Provident, so they know and understand the business.

      Visit our page on Agents to learn more.

      If you’re interested in becoming an Agent, click here

      † customer tracker survey 2014

  4. Why Have I Been Offered A Different Loan Amount?
    • When you apply for a loan online, your application is accepted in principal but subject to an Affordability Assessment. The next stage of your application is the Agent visit, where the Agent will discuss your circumstances further. During the face to face meeting, the Agent will complete an Affordability Assessment, by asking you for details of your income and outgoings. This enables us to assess whether you can afford to repay the amount you’ve asked to borrow.

      If the Affordability Assessment shows that you can’t afford to repay the amount you’ve applied for, you may be offered a lower loan amount providing this is suitable for the purpose of the loan.

      We do this as we like to look at you, and your personal circumstances, only lending amounts we know you can afford to repay. This is in line with lending policy.

  5. What is Home Credit?
    • Home credit (also known as home collected credit) is a friendly, personal service that provides small loans with manageable repayments. They’re collected each week from your home by your own agent.

      These agents do not receive commission based on how much they lend, but how much they collect. That means it's not in their interest to lend more than you can comfortably afford to repay.

      The whole idea of home credit is that you feel in control of your finances, and can manage the repayments easily.

  6. What Happens If I Want To Settle My Account Early?
    • Just get in touch with your agent to chat through your options. They’ll explain what happens if you pay your loan off early and whether we owe you any money.
  7. How Much Can I Borrow?
    • You could borrow between £100 and £1000*, depending upon your personal circumstances and the weekly loan repayment you’re comfortable with.

      When you take a cash loan from us, you know upfront exactly how much you will have to pay each week. That means you can borrow money knowing there will never be any unexpected extras.

      Use our Loan Calculator now to see how much you could borrow and remember you don’t have to borrow cash, there’s our Love2shop Vouchers too.

  8. What Are My Repayment Options?
    • We believe in a straightforward approach to loans. Our small, unsecured loans have fixed weekly repayments with no hidden fees or late payment charges.

      We are flexible- the total cost of the loan is fixed. If you miss a payment with us, we don't increase the cost of your loan- there are no hidden charges.

      We're flexible about how you borrow from us too – as well as Cash Loans, we also offer Love2shop Vouchers.

  9. Is My Loan Confidential?
    • Yes it is.

      We’ll only discuss details of your loan with you and not with other family members or friends as we’re bound by the Data Protection Act.

  10. What Is The APR Of My Loan?
    • The Annual Percentage Rate (APR) on your loan will depend on how much you want to borrow and how many weeks you choose to repay it over.

      Once these have been agreed with your agent, they will be able to tell you what the APR for your loan is.

      If you want to find out more about APRs, visit our

      APR explained page.

  11. What Happens If My Circumstances Change?
    • At Provident, we understand life doesn’t always happen as we planned. If your circumstances change and you need to discuss your loan, you should contact your Agent as soon as possible. Your Agent will then be able to work with you to decide the best repayment options for you. If you're worried about repayment options, click here

      If you’re unsure about how to contact your agent,
      call 0800 096 6064

  12. Do I Need A Bank Account?
    • Not necessarily. We can give you a loan even if you don't have a bank account.

Representative 399.7%APR

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Cash loans from £100 to £1,000. Manageable weekly repayments, no late fees.
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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 is a trading name of Provident Personal Credit Limited. Registered Office: 1 Godwin Street, Bradford BD1 2SU. Registered number 146091. Authorised and regulated by the Financial Conduct Authority.

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