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Cash loans delivered in person
Choose your way to repay

Choose your loan

Use the loan calculator to choose how much you need to borrow and for how long

Start online

You'll find out in minutes if you've been accepted in principle

Finish at home

Your rep will visit you at home to finalise the loan and give you your cash

How much you need to borrow




Over how many weeks



Weekly Payment

Weekly Payment



Total to repay

Total to repay

What type of loans do Provident offer?


Provident offer what are called doorstep loans.


These are just like a regular personal loan, except with a friendly, personal service. Once you've completed your online application, if you're accepted in principle you'll be contacted by a member of the team, who'll arrange to visit you.


On this visit they'll check your proof of ID, proof of address, and check your incomings and outgoings to make sure you can afford the loan.


If you're approved, they'll pop back to give you the cash.


How do I repay my loan?


There are two ways to repay a doorstep loan. The traditional way is that your rep comes to your house each week to take your repayment in cash. We've recently introduced Provident Direct, which is a new way to repay.

How does Provident Direct work?


With Provident Direct, the rep still comes round to take your first repayment in cash. During this visit, they'll set up a Continuous Payment Authority (CPA) for your future repayments.


This means that as long as the cash is in your bank account the repayments will be taken automatically, so you don't have to wait around for your rep to visit.

Frequently asked questions

A Continuous Payment Authority (CPA) gives us permission to collect loan repayments directly from your debit card. We’ll only request payments that we have agreed with you.

If we’re not successfully able to take the repayment, we’ll let you know and arrange a time to visit you at home to discuss. If for any reason we can’t contact you, your payments will continue as agreed for a further week on your preferred date.


This also means that if any of your payments remain outstanding your account will be in arrears. Your payments may be changed to home collection if your CPA fails twice in a row.

If you take out a Provident Direct loan and realise you’d rather repay in cash each week, that’s totally fine. You can switch to weekly home collection at any time. To change, get in touch with your rep, or give us a ring on 0800 096 6064.

Looking for more information around Provident loans? Head over to our FAQs section for more answers.

Applying for a Provident loan is done in three steps:

All home visits are recorded for training and quality purposes, to make sure you get the best service every time we visit. You can read more about voice recording here.

Is a Provident loan right for you?


• With a Provident loan, you have a dedicated rep who will visit you to organise your loan, as well as set up your repayments

• They'll be around to talk to face-to-face about your loan, should you have any questions or need any help

• With a Provident doorstep loan, there are no hidden fees for late or missed payments

• Interest rates on a home collected loan are often higher than other forms of lending

• Home credit loans are not suitable if you need more than £1,000 for your first loan