Compare the price of home collected and other cash loans available in your area at

Provident Direct. Another way to repay, subject to affordability.

If you apply for a Provident loan, subject to eligibility you'll be able to choose between:


Provident Direct


  • You'll need a bank account
  • Your first repayment will be made in person
  • Pay your new loan automatically with your debit card weekly, via Continuous Payment Authority (CPA)


Weekly home collection


  • Pay with cash in person
  • You don't need a bank account
  • Your rep will pop round weekly to collect repayments at an agreed time


The Provident Direct Promise


Just to put your mind at rest, our Provident Direct Promise means:

  • We'll only ever take the repayment amount we've agreed with you
  • We'll only ever take your repayment on the day we've agreed
  • You can switch to weekly home collection at any time




How does Provident Direct work?


When the first repayment is due, your rep will visit you at home to collect your first repayment by cash. During that visit, they'll set up a CPA for the collection of your future repayments.


What is a CPA?


A CPA (Continuous Payment Authority) gives us permission to collect loan repayments directly from your debit card. We'll only request payments as agreed with you. They’re simple to set up and all you need are your debit card details.


What happens after it is set up?


Once your CPA is in place, your repayments will go out automatically on your agreed date. So, you don't have to remember to make your repayment, but you will have to make sure you've got the funds available in your account the day your repayment is due. Your rep will still pop round every so often to check everything is ok.


Can I change my existing loan to CPA?


Unfortunately, any existing loans you have will continue to be collected in cash each week from your home by your rep. CPA is only available for new loans.

What do I need to be eligible for a Provident Direct loan?

  • A valid debit card which is registered in your full name and address
  • An email address and the ability to open email attachments
  • A mobile phone number
  • To agree that the first repayment will be home collected
  • To agree that collections may be changed to home collection if your CPA repeatedly fails and/or this is deemed to be in your best interests
  • To agree that service visits will be held every so often
  • To agree that all visits and discussions relating to CPA will be subject to Voice Recording

Please note that we'll only try to take a repayment once each week. If we're not successful, we'll let you know and arrange a time to visit you at home to discuss your missed payment.


If your CPA fails two weeks in a row, your CPA will be cancelled and we'll switch back to home collection to make sure you get the support you need with your account.


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 about Voice Recording here.

Frequently Asked Questions


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

What do our customers say?


Please note, these testimonials refer to the Provident brand, and are not specific to the Provident Direct product.