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What is representative APR?

Any business that offers loans or products on credit now has to show their APR as a Representative APR.

Representative APR means that;

The representative example shown represents what 51% of customers who apply for a loan with the company will be offered.
A rate of interest now has to be included in the Representative example.

What does the rate of interest show?

The rate of interest is a useful tool for you to use when you want to compare products from one lender to those from another.

The rate of interest shows you what the loan would cost, expressed as a percentage of the amount borrowed, if you borrowed the money for one year.

When this is applied to a Provident loan, the amount includes the interest charge for the money loaned, the charge for the weekly collections by an Agent and the cost of providing a guarantee that you will never face extra charges. The rate of interest is added on an annual basis and is displayed as a fixed percentage.

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Representative example:
€500 loan repayable over 52 weeks
52 weekly payments of €15.00
Rate of interest 56.0% p.a. fixed;
Representative 157.3% APR
Total Amount Payable is €780

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Provident Personal Credit Limited is regulated by the Central Bank of Ireland

Copyright © Provident Personal Credit Limited, a private limited company, Wexford Enterprise Centre, Strandfield Business Park, Kerlogue, Rosslare Road, Wexford. Branch Number: 904339.
Registered Office: 1 Godwin Street, Bradford, BD1 2SU, United Kingdom. Registered Number: 146091 England.

A list of names and personal details of every Director of the company is available for inspection to the public at the company's registered office for a nominal fee.