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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.


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 loan terms of 13, 26 or 52 weeks.

How much you need to borrow


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Over how many weeks



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Total to repay

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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 loan terms of 13, 26 or 52 weeks.

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 phone call from one of our team and an affordability assessment


You will receive an initial decision 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 phone call or home visit

If you have been accepted in principle, a member of our team will call you. They'll need to carry out an affordability assessment to ensure that you can afford the loan. This could be done over the phone or in your home. We'll only visit you if it's safe to do so and your Rep will always carry official ID if they visit you so you’ll always know who you’re talking to. 


All lending visits and calls are voice recorded for training and quality purposes, to make sure you get the best service every time you speak to us. 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 show to my Rep?

If you finish your application over the phone you'll need to send clear photos of your documents and a video of you asking for a loan from us to your Rep. Your Rep will let you know where to send these. If we can visit, you'll just need to show us these documents during the 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 accepted, you can choose how you receive the money. We can send the money straight to your bank account or we may be able to drop it off to you.


You can also choose how to make your payments:

  • Straight from your bank account, subject to eligibility
  • Pay your Rep over the phone, or they could visit you
  • Using our automated payment line
  • On our website

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.

If you decide to pay by home collection and our Reps can visit you to provide you with your money, you don’t need a bank account.

You will need a bank account if you decide to repay your loan using automatic payments through your bank account. You’ll also need a bank account if our Reps can’t visit you whilst we follow social distancing rules and through lockdown periods.

Yes, we consider all circumstances. We get to know your personal circumstances and carry out an affordability assessment which takes into account your income and outgoings. This means that if you’re unemployed and your assessment shows the loan is affordable and sustainable for you, you could still be accepted for a Provident loan. Find out what is accepted proof of income here.

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