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.
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.
To apply for a Provident loan you must:
You will receive an initial decision in minutes which will let you know if the loan is agreed in principle. See the Frequently Asked Questions for more information.
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.
During the home visit, you will be asked to show proof of your ID and address:
To view the full list of documentation, click here.
You will also be required to show proof of your income:
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.
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.