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

Doorstep loans from £100 - £1,000

Start your application for a home collected doorstep loan from Provident today; subject to affordability

How much you need to borrow


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Weekly Payment

Weekly Payment



Total to repay

Total to repay


What are doorstep loans?


Doorstep loans, also known as home collection loans and home credit loans, are a type of personal loan. As the name suggests, the cash loan is delivered to your doorstep.


Doorstep loans give customers an opportunity to discuss their credit needs and financial circumstances face to face in their home. Many customers prefer this service as it enables them to fully manage their repayments in the comfort of their home, at a time and day that suits them.


At Provident…..


A member of our dedicated team will visit your home on a weekly basis to collect your loan repayments.

All Provident employees carry official ID at all times, so you'll always know who you're talking to.


With a Provident doorstep loan there are no hidden charges or fees for late payments. If you encounter any problems repaying your loan our team will be able to discuss your circumstances and what options are available to you.


How do Provident doorstep loans work?


You can apply for a Provident loan in three steps:

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Choose your loan

Use our loan calculator to choose how much you need and for how long.

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Start online

You'll find out in minutes if you've been accepted in principle.

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Finish at home

Your Representative will need to take a look at your proof of ID, address and income.


Our home visits may be voice recorded for training and quality purposes, to make sure you get the best service every time we visit. Read more FAQs about our voice recording here.


If approved, you'll usually get your money the same day.

Is a Provident doorstep loan right for you?


    • If your loan application is approved, you get access to the convenience of our locally based teams, who’ll come to your house to issue your loan then return every week so you can make repayments
    • You’re also able to talk to us face-to-face about your loan, should you have any questions or problems
    • With a Provident doorstep loan, there are no hidden fees for late or missed payments
    • Interest rates on a home collected loan are often higher than other forms of lending
    • Home credit loans are not suitable if you need more than £1,000 for your first loan
Doorstep loan

Can I get a loan delivered to my door?

When you’re looking to borrow money, arranging to have a cash loan delivered straight to your door can be a straightforward and convenient option.

Just like other kinds of borrowing, a doorstep loan can either have a positive or negative impact on your credit rating, depending on how well you manage it.

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Jargon Buster: Doorstep Loans

Don’t get tripped up by complicated words when it comes to home credit. Read our clear explanation of the main terms.

Frequently asked questions

Cancelling your loan

If you change your mind and want to cancel your loan, that’s OK. You just need to do so within 14 days, starting from the day after you signed your loan agreement. Give our Customer Service team a call on 0800 096 6064, or speak to your Customer Experience Manager (CEM), and we'll tell you how much you need to repay (the loan amount plus the daily interest amount) and when you need to pay it by.


Early Settlement Balance (ESB)

As a customer, you're entitled to settle your loan early (except in the last 13 days of the term). This is known as Early Settlement. You will be provided with what is known as an Early Settlement Balance (ESB). Paying the ESB will result in you receiving a rebate of interest on part of the loan, reducing the overall outstanding balance due. This means you will pay less interest than originally agreed upfront. The ESB is the amount you would need to repay to settle the account in full before the end of the agreed term. This is accounted for in any ESB quote provided. You can request a written quote by contacting the Contact Centre on 0800 096 6064.


Partial Early Settlement Rebate (PESR)

When you make an over-payment you may be entitled to a Partial Early Settlement Rebate (PESR). The rebate reduces the amount of interest payable over the remaining term of the agreement. The rebate of interest is not given to you in cash, it will reduce the amount you owe. At the time you overpay, your CEM will be able to give you more information regarding PESR.

If you find yourself in a situation where you think you can’t make your next repayment or you’re struggling with how much you need to repay, speak to your CEM or Click here to find out more.

In short, yes. We look at a number of things including your credit rating, income and outgoings to see what you can afford before making any decisions. This is to ensure you can afford your repayments throughout the life of the loan.

Looking for more information around doorstep loans? Head over to our FAQs section for more answers.