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

Now choose your way to repay

Choose weekly home collection

Subject to T&Cs

  • Pay with cash in person.
  • You don't need a bank account.
  • Your CEM will call round weekly to collect repayments at an agreed time.

Choose Provident Direct

Subject to T&Cs

  • Pay your new loan automatically with your debit card, weekly via CPA.
  • Your first payment will be made in person. Then we will complete service visits throughout the term of the loan to check everything is ok.
  • You can choose at any point to revert to weekly home collection.

What is a CPA?

A CPA (Continuous Payment Authority) gives us permission to collect loan payments directly from your debit card. We'll only request payments as agreed with you. They’re simple to set up and all you need are your debit card details.

How does Provident Direct work?

When the first payment is due, your rep will visit you at home to collect your first repayment by cash. During that visit, we’ll set up a CPA  for the collection of your future repayments.

What happens after it is set up?

Once your CPA is in place, your payments will go out automatically on your agreed payment date. So you don’t have to remember to make your repayment, but you will have to make sure you’ve got the funds available in your account the day your payment is due. Your Rep will still pop round every so often to check everything is okay.



Please note that we’ll only try to take a payment once each week. If we’re not successful, we’ll let you know and arrange a time to visit you at home.

You'll need
  • A bank account with a debit card registered in your full name and address.
  • An email address where you can open attachments and a mobile number.
  • To agree that visits and discussions relating to CPA are subject to voice recording.
  • To agree that payments may be changed to home collection if your CPA repeatedly fails or if we think it's in your best interest to help you manage your account.