Getting the loan you need is straightforward with Provident loans. This is how it works.

1. Choose the loan option that’s right for you

  • Borrow between £100 and £500* for new customers, but as we get to know you, you could borrow more.
  • A friendly local Agent will deliver the money direct to your door
  • Make manageable weekly repayments collected from your home by your agent



  • Choose to repay over 14, 23, 32 or 52 weeks
  • There are no hidden charges or late fees - you'll always know the full cost of your loan upfront.
  • There’s no need to have a bank account 
  • Keeping on top of your repayments could help build your credit rating 

2. Choose how much you’d like to borrow

Use our Provident loans calculator to find an affordable loan for you. Simply select your product then move the slider to select how much you’d like to borrow and how many weekly repayments you’d like to make. It will then calculate the total cost of your loan and your weekly repayments.

3. Apply online

Use our online application form to apply for your loan today and receive a decision in principle.

If approved;

  • A friendly agent will call at your home to arrange your loan.
  • They can talk to you about your loan in more detail and answer any questions you might have.
  • Your agent will then deliver your loan to your door.
  • You can then arrange a time and date to collect your weekly repayments.

What You Can Expect From Us

Once you have applied for a Provident loan, an Agent will call to your home to discuss your loan further. This is an opportunity for you to discuss any concerns you may have or ask any questions.

Your Agent will then deliver your money to your home, and discuss repayment options. They will arrange a specific date and time to collect loan repayments. Your Agent will be your first port of call if you’re struggling to repay your Provident loan.

Representative example

£200 loan repayable over 32 weeks
32 weekly payments of £10.00
Rate of interest 97.5% p.a. fixed;
Representative 399.7%APR
Total Amount Payable is £320

Find out more...

Apply now with our quick form

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Provident agents are friendly and professional†

96% of customers say so! They take time to understand your situation to make sure you only take the credit you can afford.
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*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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