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Loans: Find the Right Loan for You 

Subject to Affordability

Why choose Provident?


At Provident, we offer short term loans. If you have a poor credit history or no credit history at all, we may still consider your application – even if you are unemployed. We’ll look at your income and outgoings with you to help you work out how much you can borrow and what you can afford to pay each week.




If you're looking for a loan you might search using the terms below. A Provident loan could still help you if you're looking for these types of loans. Please think about your options before you apply.



- Doorstep Loans


- Bad Credit Loans


- Short Term Loans


- Payday Loans Alternative


- No Guarantor Loans


- Small Loans


- Unsecured Loans


- Tenant Loans


- Cash Loans



Find the loan that meets your needs


Before you apply for a loan, you should make sure you meet the minimum criteria below:


  • You’re aged between 18 and 74
  • You’re a UK resident
  • You agree to an affordability assessment

Apply for a Provident Loan today - subject to affordability



How much you need to borrow


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Over how many weeks



Weekly Payment

Weekly Payment



Total to repay

Total to repay

Provident Loans FAQs

When you apply for a loan with Provident, you will receive an initial decision in minutes to confirm if the loan is agreed in principle.
Once you complete your online application a Rep will call you to confirm the final details of your loan. These calls don't take long. We’ve put some average times below so you know what to expect:
A 5 – 10 minute chat with rep to confirm where to send your documents
A 30 minute chat with rep to go through loan application (as long as we have your documents)

Once approved the money will be sent to your bank account and should arrive in 3 to 5 days.

If you have bad credit or a poor credit history you can apply for a loan from Provident. We are responsible lenders and we review each application on its own merits and come to a decision based on our lending criteria. When considering whether or not to lend it's important to us that you'll be able to afford the repayments for your loan.

We consider applications from people in all kinds of circumstances. You can apply for a loan from Provident if you are unemployed, on benefits, disability living allowance (DLA),PIP or in other circumstances.


To apply for a Provident loan, click the apply button below or give us a call on 0800 096 6064 and we’ll get back to you.