Provident Loans

"Provident made the decision to close Provident Personal Credit (PPC) on 31st December 2021. If you have a balance outstanding with PPC, they will be clearing it on that date"

Loans that were available from Provident from £100 - £1,000 subject to affordability

Even though Provident is no longer an option, we have many other great lenders who could be suitable!

Convenient loans for these uncertain times

  • Applications with poor credit history considered
  • Manageable weekly repayments


  • Tenants and non-homeowners
  • Unemployed and self-employed


  • Borrow from £100 to £1,000 (up to £2,500 for existing customers)*
  • Weekly repayments over 13, 26 or 52 weeks
  • No hidden fees - only pay what you agree upfront
provident personal credit logo stars
4.76 out of 5 Rating from 3,603 Reviews on


4.75 out of 5 Rating from 3,609 Reviews on

  • ⭐⭐⭐⭐⭐ My family has used Provident for over 30 years, always been so helpful.

    Hilaryou Collins
    September 2020
  • ⭐⭐⭐⭐ Good service and reliable

    Henry Onaghinor
    August 2020
  • ⭐⭐⭐⭐⭐There always there to help,And can’t fault my rep he’s always gave me the best help an advice possible

    July 2020
  • ⭐⭐⭐⭐⭐ Yes I’m happy very good people

    May 2020
  • ⭐⭐⭐⭐⭐ Been with Provident for 2 or 3 years now for different loans and totally satisfied with the service

    April 2020
  • ⭐⭐⭐⭐⭐ I disagree to all the negative reviews as I found provident an amazing experience! Very helpful and will go out of their way to help out. When all other doors were closed theirs was open. Thank you To the managers from Hounslow office

    Y Haque
    February 2020
  • ⭐⭐⭐⭐ They very good and helped me out alot went need it

    Alison Yeo
    February 2020
  • ⭐⭐⭐ It’s not providents decission to ask all the questions it’s the FCA to make sure the correct thing is done for the customer

    February 2020
  • ⭐⭐⭐⭐⭐ Provident have always helped me when I needed them and would recommend them to anyone

    Mark Hall
    January 2020
  • ⭐⭐⭐⭐⭐ I took out a loan 6 months ago due to unforeseen circumstances. I found them a pleasure to deal with. Yes, the interest rates are high but as I get paid weekly the repayments are never a problem. Wouldn’t hesitate to use them again.

    January 2020
  • ⭐⭐⭐⭐⭐ I’m very happy with Provident people they are so good and really helpful and very nice people who help me with loans I would recommend them

    December 2019
  • ⭐⭐⭐⭐⭐ Provident need more advice people like her very helpful easy talk to

    December 2019
  • ⭐⭐⭐⭐⭐ Actually i dint get loan anywre else but they just help me with some loan

    Musa Rahman
    October 2019
  • ⭐⭐⭐⭐⭐ i find provident very good and if you can}t wait for you agent to come you can pay by card over the phone my agent is great really nice lady some times i don’t see her for four weeks as i have paid by my card and when she come see up dates my payment book we have a char she like a friend

    David Rawlinson
    October 2019
  • ⭐⭐⭐⭐⭐ Very good and very quick.

    Steven Woods
    October 2019

Frequently Asked Questions

Yes 👍

Provident specialise in helping people with a less than perfect credit score, including people with a poor credit history.

Whilst they do look at your credit file, it’s not the only thing, which also includes your personal circumstances and how affordable the loan is for you.

Provident understand that having a bad credit rating doesn’t reflect the whole story and you may still qualify.

This depends on your affordability, personal circumstances and whether or not you’re an existing customer:

  • New customers: £100 to £1,000
  • Existing customers: up to £2,500

To see how much your weekly payments will be for different loan amounts, and over various terms, see Provident’s loan calculator.

When you take a loan out with Provident, they will always tell you up front what your weekly payment will be; they have no hidden or unexpected charges.

There is a 3 step process:

  1. Apply online
  2. An affordability assessment is done with you over the phone
  3. The loan is then paid out into your bank account

Typically from start to finish 2 – 3 days, but can be sooner.

The approximate timings for each step is summarised below:

  1. Online application form – 5 minutes
  2. Chat with rep to confirm where to send all documents – 5 to 10 minutes
  3. Chat with rep to go through the application – 30 minutes (if they have your documents)
  4. Once the application is approved you will be sent the funds by midnight the next working day

Yes, but don’t worry 👍

You are credit checked to help confirm things such as your

  • ID
  • Residency status
  • You’re not insolvent (bankrupt or in an IVA)

Provident might be able to help you even if you been turned down by other ‘bad credit lenders’.

Yes 👍

Provident specialise in loans for people who have previously been refused credit, including those who are unemployed and on benefits.

It’s key however that the weekly repayments are affordable to you, the following are acceptable:

  • Child Benefit
  • Child Tax Credits
  • Working Tax Credits
  • Guardian’s Allowance
  • Housing Benefit

Yes 👍

Being retired is not a problem, though you will need to be able to show that the loan is affordable to you, which should include

  • Pension/Annuity (Letter Stating Entitlement / Payslip / Statement)
  • State Pension Statement

Yes 👍

Regular provable income, such as maintenance payments, and foster income, can be allowable if you have proof, such as:

  • Foster – Confirmation Letter or Remittance Advice (dated within the last year)
  • Maintenance – Family Based Arrangement Form or Awards Letter (dated within the last year)

Yes 🏦

A bank account will be required to deposit the loan funds and take repayments.

More Questions

Provident are a loan provider who “aim to lend a helping hand where some other lenders won’t”.

They have been providing affordable doorstep loans or home credit to customers in the UK since 1880. Provident loans come with no hidden charges, so you know the total cost of the loan from the start.

Provident also purchased Greenwoods Loans in 1977.

For people who may have been refused credit before

  • Are renting their home
  • Have a poor credit rating
  • Are unemployed or have an irregular income

Customers who are approved will be issued a loan with all fees included upfront, so you know exactly what your repayments will be each week.

Provident will let you know in detail what’s required 📄

This will include proof of ID, plus income and expenses, such as:

  • Personal details, including your full name, date of birth and National Insurance number
  • Proof of address for the last three years
  • A contact number and email address
  • Permission for a credit check to be carried out
  • Income details
  • and more

NO 👍

Using is free.

We are paid by Provident, so you will pay exactly the same for your loan as if you went to Provident directly.

Representative 535.3% APR

Representative Example: £260 loan over 26 weeks. 26 payments of £15.60 per week. Rate of interest 112% p.a. fixed. Representative 535.3% APR. Total amount payable £405.60

  • cash loans
  • delivered to your door
  • no bank account needed
  • online application
  • bad credit okay
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