Applying for a Provident loan is simple and straightforward

Any information you provide during your application will always be treated as confidential.

*These fields are Mandatory

Enter your Terms and Conditions

Terms and Conditions

Enter your Loan details

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? *

Your weekly
repayment £0.00
Please make sure this weekly repayment amount is affordable for you before continuing with your application.

How long do you want to pay it back? *

Total to repay £0.00
0.0% APR
Enter your Personal details

Personal details

National Insurance Number - Helps us to process your application faster
Enter your Address details

Address details

If you've lived in your home for less than 3 years, we'll need your previous address
Please use postcode format AAAA AAA
Enter your Previous address

Previous address

Please use postcode format AAAA AAA
Enter your Contact details

Contact details

Please enter a phone number we can use to contact you about your loan. Without this, a loan may not be issued
Please let us know when would be the best time for our agent to visit you at home
Enter your Other Loans

Other Loans

Enter your Consents and Use of Personal Information

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 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 Request your home visit

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. Your electronic signature will be used to show that you confirm this is a genuine request for a home visit
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.
At Provident we make sure your details are secure. This ensures this is a genuine request from a person, not from spam software
Enter the text from above: Enter the numbers you hear:
If you would like confirmation by email please enter your email address
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.

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Some visitors to our website have told us that home credit isn't right for them.  We listened and now we're offering Satsuma Loans, our fantastic new product that allows you to get the money you need delivered directly into your bank account and have your repayments automatically collected from your debit card each week by use of a continuous payment authority.

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Written quotations are available on request. *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. †Based on our Customer Tracker 2013

Satsuma Loans is a trading name of Provident Personal Credit Limited.

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.

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