The Provident Gold Card

Sprinkle A Little Gold Dust This Christmas

What is the Provident Gold Card?

The Provident Gold Card is a buy now, pay later shopping card just for our existing customers (subject to affordability). We know that the festive season can be costly and with the Gold Card you can have the Christmas you want, spreading the cost and managing weekly repayments.

The card comes preloaded with £400 but you don't have to use the full amount as your repayments are based on how much you spend. It’s accepted in over 40 high street shops or can be used to buy eCodes which can be used online and is a flexible way to pay for your Christmas.

Once approved, you can check your balance and shop online by visiting
To learn more about Gold Card eligibility, repayments and full terms and conditions, read our FAQs here or speak to your Agent.

Provident Gold Card Benefits:

£400 available to spend on every card

Nothing to pay until January 2015

Exclusive retailer offers

Over 50 accepting retailers, online and in-store

Weekly repayments



Representative example

£400 loan over 63 weeks. Repayments deferred by 11 weeks. 52 payments of £14 per week. Rate of interest 67.7% p.a. fixed. Representative 139.7% APR. Total amount payable £728.

Information about cookies

This website uses cookies. To find out more about what cookies are and how we use them, please visit our cookie policy page, where you can also opt-out of the use of cookies on this website.

Safe Verification

Compare the price of home collected and other cash loans available in your area at

*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.

Provident survey No

Help us to improve our website by completing our short survey at the end of your visit. It will only take a couple of minutes. Thank you.