With our simple cash loans, we put you in control

Cash Loans From Provident Personal Credit

If the washing machine’s going to break, it’s going to break when you’ve just paid for your MOT and it’s still weeks until payday. We're here to help. You could get a Provident loan of up to £500* and have it delivered straight to your door. Choose the number of weeks you wish to repay your loan and weekly repayments could be as low as £3.50. There are no complicated terms or unpleasant surprises. Getting the money you need is simple and straightforward.

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Our hassle free cash loans

  • Borrow between £100 - £500* with no hidden charges
  • A friendly local Agent will deliver the money direct to your door
  • Make manageable weekly repayments over 14, 23, 32 or 52 weeks

Try our loan calculator below

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What are cash loans?

A cash loan is a lump sum of money which is paid either straight into your bank account or given to you in cash. The money is borrowed from a loan provider, so you have to repay the amount you borrowed plus interest by a set date.

Cash loans are available from banks and lenders. If you're interested in a loan, make sure you borrow the money from a lender who is registered with the Financial Conduct Authority. To apply for a loan from Provident, click here.

The amount you need to pay and the dates on which you must make your repayments are set out in an agreement with the lender. You must check these terms and conditions carefully to ensure you understand if any additional charges will occur and when. Each lender is different and we never increase charges, ever, so you always know what you have to repay and when.

How Do Provident Loans Work?

Provident have been around since 1880, when Joshua Waddilove provided vouchers to families so they could buy items such as furniture, clothing and shoes. Since then, our business has grown to provide loans to customers who may otherwise struggle to get credit. We believe in a transparent service so you always know how much you've paid and what you have to repay.

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. It’s all part of the Provident commitment to help our customers by being open, honest and up-front so we’ll always make sure that any loan from us will be for an amount that you can afford to repay.

You can apply for Provident loans simply by speaking to your Agent or completing an application form. Once you have completed your application form, you’ll know within minutes whether you have been accepted in principle or not. What happens next depends on whether you’ve opted for a home credit loan (Agent collected) or a loan online.

 

Agent Collected Cash Loans

An Agent collected loan is where a friendly Agent comes to your home in order to talk you through the application process, complete an affordability assessment and agree the loan amount, deliver your loan and then collect repayments. It’s this face to face service which we believe sets us apart from other lenders. Agents are often members of the communities they work within so they understand you and your situation. They are also on hand to discuss any further questions you have or discuss any other products you’re eligible for or interested in.

Your Agent is your first port of call for any concerns relating to your cash loan from Provident. If you are late with or unable to make a repayment, you should contact your Agent, who will be able to discuss your options.

With a cash loan from Provident, there are never any hidden fees, so you always know what you’ve paid and what is left to repay.

 

To read more, click here

Read more about agents here

Direct Payment

If you’re busy and would find it difficult to see an Agent, an online cash loan may suit you better. This loan is completed in full online.

As with the above, there are no hidden charges ever. We offer a fully transparent service to ensure you know exactly what is owed and exactly what you have paid.

 

How Much Interest Will I Pay?

A fixed amount of interest will be added to your cash loan from Provident. How much will depend on how much you want to borrow and how many weeks you choose to repay it over. To get an idea on what the interest will be on your loan from Provident, use the above loan calculator.

If you have any further questions regarding cash loans at Provident, you can speak to your Agent or contact us.

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

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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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