Applying for a Provident loan means no commitment, no obligation

Here's what you'll need:

  • Personal information including your name, date of birth and National Insurance number (this helps us 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.
  • Before you apply, you must:

  • Be aged between 18 and 74.
  • Be a UK resident.
  • Agree to a credit check.
  • Agree to an Agent visiting you.

  • provident loans, the loan that comes to you

    A decision in principle will be displayed on your screen within minutes.

    Any information you provide during your application will always be treated as confidential.
    Find out more about accepted proof of ID here

    *These fields are Mandatory

    Enter your Work out your loan details

    Work out your loan details

    Use the sliders to select how much you want to borrow and how long you want to pay it back for.

    How much would you like to borrow? *

    Weekly repayment: £0.00 Please make sure this weekly repayment amount is affordable for you before continuing with your application.
    Total to repay: £0.00

    How long do you want to pay it back? *

    APR: 0.0% APR
    Enter your Tell us about you

    Tell us about you

    This helps us to process your application faster

    Enter your Address details

    Address details

    Please use postcode format XXXX XXX
    If you've lived here for less than 3 years, we'll need your previous address
    Enter your Previous address

    Previous address

    Please use postcode format XXXX XXX
    Enter your Contact details

    Contact details

    Please enter a number we can contact you on. This can be a mobile or a landline. Without a phone number you may not get a loan
    Enter your Other loans and/or credit cards

    Other loans and/or credit cards

    Enter your Before you finish, please read the following information

    Before you finish, please read the following 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 Personal Credit uses is available by calling 0800 409 6654 or writing to Provident Personal Credit Loans 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 Personal Credit, 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, or by other Provident Financial Group companies which you consider to be of interest to me. You may provide my information to Provident Financial Group companies and other carefully selected companies who may contact me with information which may be of interest to me.

    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 DPA Officer, Provident Financial, 1 Godwin Street, Bradford BD1 2SU, or calling free phone 0800 409 6654, or sending an email to

    I understand that if I have any questions before I proceed I can call 0800 409 6654.

    Enter your Finally, request your home visit

    Finally, request your home visit

    At Provident we pride ourselves on our face to face service. By typing your name below, this is an electronic signature to request an agent to visit your home to talk about your loan application.
    Alternatively, 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.
    We want to be able to tell you by telephone or post about products available from us and our Group companies and other carefully chosen organisations. We may pass your details on to other carefully chosen organisations. We will contact you by telephone or post with information about products and services for up to 12 months after your application.
    If at any time you want to change your choice then you may do so by writing to Customer Relations, No. 1, Godwin Street, Bradford, BD1 2SU or telephone 0800 916 6430 (For customers in the ROI please contact 1800 481 002).

    * These fields are compulsory.

       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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    Important Information

    • We base our lending decisions on how much we calculate you can comfortably afford to borrow and repay. This may mean that you are approved for a smaller loan than you originally applied for. Click here for more information.
    • If you have applied for a loan in the last five days then you don't need to apply again and you'll be contacted soon.
    • Email address - Allows us to confirm your application by email
    • If you've lived in your home for less than 3 years, we'll need your previous address
    • National Insurance Number - Helps us to process your application faster
    • If accepted in principle, you need to provide accepted proof of ID. For a full list of what you'll need to complete the process, click here.
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    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 is a trading name of Provident Personal Credit Limited. Registered Office: 1 Godwin Street, Bradford BD1 2SU. Registered number 146091. Authorised and regulated by the Financial Conduct Authority.

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