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How does a Provident loan work?

Are you considering taking out a cash loan from one of the UK’s largest home credit providers? Find out more about the application process, and what you need to apply for a Provident loan. Please note, all Provident loans are subject to approval.

How much you need to borrow


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Over how many weeks



Weekly Payment

Weekly Payment



Total to repay

Total to repay


1) Choose your loan option

Use our calculator to select how much you need to borrow, and the number of weeks you would like to borrow it over.


Choose from 13, 26 or 52 weeks to make repayments.

2) Start your loan application online

To apply for a Provident loan you must:

  • Be a UK resident, aged between 18 and 74
  • Have a contact telephone number and your address details for the past 3 years
  • Agree to a home visit from one of our team and an affordability assessment


You will receive an initial decision in minutes which will let you know if the loan is agreed in principle. Read our Frequently Asked Questions for more information.


3) Finish your application with a home visit

If you have been accepted in principle, a member of our team will visit you at home and will carry out an affordability assessment to ensure the loan is manageable and sustainable for you.


Provident employees carry official ID so you’ll always know who you’re talking to. 

All our home visits are 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.


Please note that the amount that you have applied for may not be the amount that you are offered following the affordability assessment.

What do I need for the home visit?

Proof of ID

You will be asked to show proof of your ID:


  • Current photo card driving licence
  • Current passport
  • Government issued documentation such as council tax or department for work and pensions communications.

To view the full list of documentation, click here.


Proof of income

You will also be required to show proof of your income:


  • Payslip(s) from your employer
  • Statement of earnings
  • Child benefit

At Provident we consider all kinds of circumstances, whether you're employed, unemployed, self-employed or receiving benefits. To find out what's accepted documentation for each click here.

If your loan is approved, a member of our team will deliver the cash to your home and each week collect your repayments from your home at a time and day that suits you.


Provident operates a zero tolerance policy to threats and violence towards Provident Representatives.

Frequently asked questions

You could borrow between £100 and £1,000, subject to affordability. When you take a cash loan with us, you know upfront exactly how much you will have to pay each week and in total. That means you can borrow money knowing there will never be any unexpected extra charges.

Accepted in principle is a stepping stone to full approval of your loan. To apply for a Provident loan, you first need to complete a form online or over the phone. At this stage of the application we carry out a credit check. This check helps us to decide whether we are able to lend to you and helps to confirm your identity. This credit check is proportionate to the loans we offer so you don't need to have a perfect credit file.

No. You do not need a bank account for a home collected loan as the loan is delivered to you by a member of the Provident team in cash. They will come round every week to collect repayments which can be paid in cash.

Yes, we consider all situations. We get to know your personal circumstances and carry out an affordability assessment. This means that even if you’re self-employed, unemployed or on benefits if you can provide proof of income and outgoings, and the member of our team going through this with you is satisfied that the loan is affordable and sustainable for you, you could still be accepted for a Provident loan. For more information on what is accepted proof of income click here.

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