New customers

1. Can I still get a loan if I have been turned down for credit previously or have a County Court Judgement?

   • We could lend where others won’t, our personal service means we treat everyone as an individual so we’ll base your loan on your circumstances, not just your credit history. We could lend to you even if:

      

     • You have CCJs or poor credit history
     • You’ve been turned down before
     • You are renting or are unemployed
     • You don’t have a bank account

      

     The best way to find out if you can get a loan is to fill in the application form

2. How much can I borrow?

   • You could borrow between £50 and £500, 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 and the Provident Money Card too.

3. What is a short-term loan?

   • You can choose to take your short-term loan over 23, 31 or 52 weeks.

      

     We’re here to help as little or as much as you need. Just choose the amount you’d like to take and how long you’d like to take to pay it back.

      

     You can apply for a loan now and get a decision in principle online.

4. When will I get my money?

   • The first step is to apply for your loan online and we’ll give you 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 3 working days 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 409 6654.

5. 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.

6. What is the APR for 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.