Cash loans are useful for when you need assistance to cover those unexpected costs because 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 you get paid.
A cash loan from Provident is exactly that – a loan that is issued to you in cash. There is no need for a bank account. If approved, your local Agent will deliver the cash directly to you.
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The cost of your cash loan depends on how much you want to borrow and how many weeks you want to repay it over. Use our loan calculator above to see how much a cash loan could cost. All loans are subject to affordability.
Unlike online lenders and banks you don’t need a bank account to get a Provident cash loan. You can start your application online or call us on 0800 096 6064. At this stage we’ll ask you a few simple questions such as your name, address and date of birth as well as how much cash you need to borrow and how many weeks you’d like to repay over. Once completed you’ll know in minutes if you have been accepted in principle.
If you have been accepted in principle a local Agent will come to your home to continue your cash loan application.
No one likes to stay in and wait around all day so we aim to make repaying your cash loan as flexible as we can.
Your Agent will agree the best time and dates to collect repayments. Each week, on a day that suits you - even at the weekend (depending on individual Agents), your Agent will collect your repayments and be able to answer any questions you may have. If you want to change the date and time of your Agent’s visit, just contact them.
Broadly speaking, there are loads of kinds, from secured to unsecured, long to short, business to personal but most people who need a lump sum of money will look at bank, payday, doorstep loan and online/installment loans. We explain the main kinds of loan and guide you through the good and bad points.
The name might sound complex, but it’s one of the easiest kinds of borrowing to understand.
An unsecured personal loan is exactly what it sounds like – money a person borrows which they haven’t secured against something they own, such as a car.