New Customer

1. When will I get my money?

   • The first step you need to take is to apply for your loan, you can do this online and we'll give you a decision in principle within minutes. If your application is accepted, one of our friendly Agents will be in contact with you within the next few days and they will visit you at your home discuss your loan with you.

     Once your loan has been approved, your Agent will call back to your home to drop off your cash. If you've already applied for a loan and you would like to speak to someone then give us a call on 1800 481 002.

2. What is the APR for my loan?

   • The Annual Percentage Rate (APR%) on your loan all depends on the loan that you take out. The APR will differ depending on how much you would like to borrow and how long you want to borrow it for.
      
     Once you have agreed these two things with your Agent, they will be able to let you know what the APR on your loan is.
      
     If you want to find out more information on APRs and what they are, visit our APR explained page.

3. Can I still get a loan if I have been turned down for credit previously?

   • Yes you could. Here at Provident, we look into your current circumstances and your ability to make your repayments now and not just your payment history.  This means that we could offer you a loan from €100 - €500 even if;

     • You've previously been turned down for credit
     • You are currently unemployed
     • You don’t have a bank account

     To find out whether you are eligable for a loan with us, fill in the application form and you'll receive a decision in principle within minutes.

4. What is a short-term loan?

   • A short term loan is a loan that is usually over a term of no more than 52 weeks.

     You can choose to take your short-term loan with Provident over 26 or 52 weeks.  The number of weeks that you choose to take your loan over determines how many weekly repayments you will make and how much you will be repaying.

       
     Use our loan calculator to find out what you weekly payments would be or apply for a loan and get a decision in principle within minutes. 

5. Is my loan confidential?

   • Yes - We will only ever discuss the details of your loan with you. We are bound by the data protection act, so rest assured that we will not discuss your loan with anyone else, this includes other family members and friends.

6. How much can I borrow?

   • Our loans are available from €100 - €500, however, the loan amount that you can borrow depends on your personal circumstances. We will only lend customers an amount that we believe they will be able to comfortably repay.
      
     When you take a cash loan from Provident, your Agent tells you exactly how much you will have to pay each week. As there are no hidden charges, your weekly payment for this loan will never increase and we can also guarantee that your interest rate will never increase during the term of your loan.
      
     Use our Loan Calculator now to see how much you could borrow and what your weekly repayments will be, remember you don’t have to borrow cash, we have a number of other products too. Visit our products page to take a look.