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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 providers? Find out more about the application process, and what you need to apply for a Provident loan.

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.

How much you need to borrow

How much you need to borrow

How much you need to borrow

£100
£1000

Over how many weeks

Over how many weeks

Over how many weeks

13wks
52wks

Weekly payment

Total to repay

APR

 

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. Please see the Frequently Asked Questions at the bottom of this page 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 at a time and day that suits you, to discuss your loan needs and options as well as carry out an affordability assessment to ensure the loan is manageable and sustainable for you.

 

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

 

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 and address

During the home visit, you will be asked to show proof of your ID and address:

Examples;

  • Current photo card driving licence (ID and address)
  • Current signed passport
  • Utility bill dated within the last 6 months

To view the full list of documentation, click here.

 

Proof of income

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

Examples;

  • 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.

Frequently asked questions

"Customer service skills 110% made me aware of everything and made me feel comfortable to take the loan out"

 

 Feefo comment from 08/05/2017

 

Read more customer stories here >>

Rating collated from feedback received during the last 12 months.

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