Frequently asked questions

Q: What is the APR for my loan?
Q: What is Home Credit?
Q: How much can I borrow?
Q: Can I still get a loan if I have been turned down for credit previously or have a County Court Judgement?
Q: What information do I need when I apply?
Q: What happens if I miss a payment?
Q: Are there any extra charges?
Q: What happens if I want to settle my account early?
Q. I want to keep my account private from other members in my household. Is this possible?
Q. What products other than cash loans do you offer?
Q. How much is it going to cost me?
Q. How can I apply?
Q. When do I start paying the money back?
Q. How do I know that my personal details are secure?
Q. How do I find out what happens to my personal data?
Q. How do I find out more about my computer’s security?

Q: What is the APR for my loan?

Once you agree the loan amount and the amount that you can afford to repay each week with an agent, they will be able to advise you of the Annual Percentage Rate (APR) that applies to your loan.

The service we offer is different because an agent calls at your home every week to collect your repayments. The amount we quote and the amount that your credit agreement states, is what you repay - there are no nasty surprises.

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Q: What is home collected credit?

Home credit (also known as home collected credit) is a friendly, personal service, providing small loans with affordable repayments that are collected every week from customers' homes.
The repayments are collected by a self-employed home credit agent, many of whom were previous customers, so they have personal experience of home collected credit and therefore understand customer’s needs. Home collected credit agents do not receive commission based on how much they lend, but how much they collect - so it's not in their interest to lend more than customers can comfortably repay.

The whole idea of home credit is that customers feel in control of their credit, and are comfortably able to make the repayments.

Home collected credit is a sensible way to finance one-off or unexpected expenses. There are no hidden charges or late payment fees and the amount agreed with your agent will never increase. Provident Personal Credit has been providing home collected credit to ordinary people for over 70 years and we have a reputation amongst our customers for a fair and trustworthy service.

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Q: How much can I borrow?

For first time customers we offer unsecured loans of between €100 - €500, dependent upon your personal circumstances. Existing customers can apply for up to €1,000.

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Q: Can I still get a loan if I have been turned down for credit previously or have a County Court Judgement?

Don't worry if you've been turned down for credit before. At Provident Personal Credit we consider applications from everybody - even if other companies may have turned you down in the past. However, we will only lend an amount we believe you will be able to repay.

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Q: What information do I need when I apply?

You will need proof of ID, proof of your address, plus proof of income. You may also be asked for your national insurance number.

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Q: What happens if I miss a payment?

The first thing to do is to contact your agent who can work through and agree a solution with you.

With a loan from Provident Personal Credit there are no hidden charges or late payment fees and the amount agreed with your agent will never increase.

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Q: Are there any extra charges?

No, unlike some high street banks and credit card companies who charge for missed payments or overdraft facilities. Provident Personal Credit prides itself on being transparent and having no extra charges.

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Q: What happens if I want to settle my account early?

You should contact your Agent to discuss your requirements. They will guide you through the process and advise you whether you are entitled to a rebate.

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Q. I want to keep my account private from other members in my household. Is this possible?

All information you share with us will be treated confidentially. We are bound by the Data Protection Act and we will only discuss details of your loan with you, not other family members or friends.

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Q. What products other than cash loans do you offer?

We offer a wide variety of products. Please see our Products section for more details.

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Q. How much is it going to cost me?

This depends entirely on the type of product you want and the number of weeks that you want to repay it over.

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Q. How can I apply?

Applying is easy, simply complete an online application form and get a decision in principle straight away. Alternatively, call us on 1800 481 002. We are open Monday to Friday 8am - 8pm and Saturday 8.30am - 5pm.

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Q. When do I start paying the money back?

You start paying the money back 7 days after you receive your loan. You will be given a payment book, which you should keep in a safe place, where all your regular repayments are recorded - so you always know where you are.

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Q. How do I know that my personal details are secure?

Our website uses 128 bit secure encryption to ensure that your personal information is sent safely over the Internet. We have a secure certification that is provided by Add Trust, a leading European provider of trust services.

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Q. How do I find out what happens to my personal data?

For more information about how we look after your data when we receive your application, please refer to our Privacy Policy

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Q. How do I find out more about my computer’s security?

To find out more information about security, click on the padlock icon in your web browser.

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