We think you'll really appreciate the no-fuss flexibility of a Provident loan

Choose the loan option you prefer

That's how much you'd need to borrow over the number of weeks you'd like to make repayments.



Start your Provident loan application online

You'll find out in minutes if you've been accepted in principle for a home credit loan.

Finish the application process with an Agent

They will carry out an affordability assessment to ensure the loan is manageable and sustainable to you. You’ll need to

provide proof of your

ID, address, income

and outgoings.

By applying you agree to a credit check which will leave a 'footprint' on your credit file.You must also agree to the consents and use of personal data conditions stated in section 6 of the application form.

Minimum requirements for a Provident loan

You must:

  • Be aged between 18 and 74
  • Be a UK resident.
  • Agree to an Agent visiting you who will carry out an Affordability Assessment. Click here for more details

You will need:

  • Personal information including your name and date of birth and National Insurance number (this helps us to process your application faster.)
  • Your address details for the past 3 years.
  • A contact telephone number and email address (so we can confirm your application by email)
  • Proof of ID must be presented during the Agent visit, in order to complete the process. Click here to find out what you need.

Proof of ID, address and income

You will need to have proof of ID and proof of income ready for when your Agent visits. The Agent will not be able to continue with your application without it.


Click here to view the full list of accepted documentation.


You could hear from your Agent within one hour of being accepted in principle, depending on Agent availability, so it’s best to get your documentation ready now.


If you need to send off for your documents this can take 3 working days to arrive. Click here to find out where you can get your documents from.

All fields marked * are mandatory. Any information you provide during your application will always be treated as confidential.


What you need to know

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About You

Apply for a loan with Provident
You must be at least 18 years old to apply for a loan.


Apply for a loan with Provident

Current Address

Unfortunately we can’t find your address and therefore cannot continue with your loan application online. Please call 0800 056 8722 to speak to our customer services team. Open 8am - 8pm Mon-Fri / 8am - 5pm Sat.

Current Address Details

As you have lived here for less than 3 years, we'll need your previous address details.

Previous Address

Unfortunately we can’t find your address and therefore cannot continue with your loan application online. Please call 0800 056 8722 to speak to our customer services team. Open 8am - 8pm Mon-Fri / 8am - 5pm Sat.

Previous Address Details

Contact Info

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Please enter a valid contact telephone number.
Please enter a valid mobile telephone number.

Home Visit

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What happens next?

A Provident Loan is the loan that comes to you. That means a local and friendly Agent will visit your home to arrange your loan, ironing out all the details to ensure it’s exactly what you need. 


By entering your email address below, you will provide an electronic signature to request an Agent to visit your home to talk about your loan application.


If you don’t wish to provide an electronic signature, leave this section blank and complete this step of your application during the initial visit by an Agent. They will then need to make a second visit at a later date to talk to you about your loan application.  


Apply for a loan with Provident

Please expand the section below and read the information provided before proceeding with your application.

Consents and use of personal information

Consents and Use of Personal Information


I confirm that I am at least 18 years old, a UK resident and I am not bankrupt. All of the information I have provided to you is true and correct.


If my application is accepted in principle, I understand and agree that, prior to the completion of the application and the release of the loan monies, an agent will visit me in my home to conduct an affordability assessment and complete a consumer credit agreement.


Using my personal information
You may use all the information I give to you, Provident Personal Credit Limited, or you hold about me to provide and manage the product I have applied for, help make decisions about credit, recover debt and identify products and services which may be of interest. This includes information about the conduct (including details of transactions) of any account that I have with you, any of your group companies (the Provident Financial Group) or an associated company. You may also use my information to help you develop and improve your products and services. I understand that you will not keep my personal data for longer than necessary to provide the service, or as required by law.


Sharing my personal information
You may share my information with the Provident Financial Group and your associated companies and with service providers, third party research organisations or Agents for the purposes of account management, making credit decisions, tracing, debt collection, fraud prevention and detection, to prevent money laundering, market research and statistical analysis. I understand that you may also give essential information about my account to others, where I have provided my agreement, if you are compelled to do so by law or for regulatory purposes.


Credit reference agencies
I understand that when you assess this application, you will use the information for credit assessment which may include credit scoring. You may make any enquiries relating to me that you consider necessary (for example from another financial institution) and search the files of credit reference agencies which will keep a record of each search. This could affect my ability to get credit elsewhere within a short period of time.


Details about this application (whether or not it goes ahead) will be reported to the credit reference agencies. You will also pass details about me and how I run my account (if my application is successful) to credit reference agencies. I understand that this will include if I fail to make agreed payments and this may affect my ability to get credit.


Verifying my identity and fraud checks
Before you can accept my loan application, in order to prevent or detect fraud, you will check and share the information provided in this application or at any stage with fraud prevention agencies and may make searches at credit reference agencies who will supply you with information, including information from the electoral register, for the purpose of verifying my identity. Scoring methods may be used to verify my identity. A record of this process will be kept that may be used to help other companies to verify my identity. If false or inaccurate information is provided and fraud identified, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.


You and other organisations may search and use the records held by credit reference and fraud prevention agencies to prevent and investigate crime, fraud and money laundering and for example:


to check details on applications for credit and credit related or other facilities;
to verify my identity if I or my financial associate applies for other facilities;
to undertake statistical analysis and system testing;
to manage credit and credit related accounts or facilities;
to undertake tracing; or
to recover debt.
You may also search and use your internal records for these purposes.


You and other organisations may search and use from other countries the information recorded at fraud prevention agencies.


Further information on the credit reference agencies and fraud prevention agencies Provident uses is available by calling 0800 096 6064 or writing to Customer Relations Team, Provident, No 1 Godwin Street, Bradford, BD1 2SU.


Access to information
I understand I have the right to see certain records you hold about me if I pay a fee. For further information I can write to the DPA Officer, Provident, No 1 Godwin Street, Bradford, BD1 2SU.


Unless I have indicated otherwise, by continuing with this application I agree to you contacting me by post, telephone and/or email (or such other channel you may adopt from time to time) about services and/or products offered by you.


I understand that I have the right at any time to stop you from contacting me or giving my details to others for marketing purposes, by writing to the Customer Relations Team, Provident, No 1 Godwin Street, Bradford BD1 2SU, or calling free phone 0800 096 6064, or sending an email to customerservices@provident.co.uk.


I understand that if I have any questions before I proceed I can call 0800 096 6064.

  • Please correct the error(s) above.
Please make sure that you are happy with all the information entered before applying.

Rating collated from feedback received during the last 12 months.

Important Information

The affordability assessment looks at whether the loan you have requested is affordable and sustainable. If the requested amount is not affordable you may be offered a smaller amount that fits your needs.

Click here for more


Proof of ID and Income

You will need to have proof of ID and proof of income ready for when your Agent visits. Click here to find out what is accepted proof of ID and income.


If you have applied for a loan in the last five days then you don't need to apply again. You'll be contacted soon.

If you applied and were accepted in principle, more than five days ago and haven’t heard from an Agent please call our contact centre on 0800 096 6064.