Central Credit Register Information

The Central Credit Register is being set up by the Central Bank of Ireland under the Credit Reporting Act 2013. It's all about making sure customers are protected and not borrowing more than they can afford.

As part of this Provident has to send your personal and credit information to the Central Credit Register if you take out a Provident loan of €500 or more. So if your loan is for €500 or more, from the 31st March 2018 we will have to share;

  • Your name
  • Address
  • Date of birth; and
  • Personal Public Service Number (PPSN)

Provident will also let the Central Credit Register know credit information about your loan/s with us each month. This will let the Central Credit Register match your loans with Provident and other lenders to create a credit report. 

Any information we send to the Central Credit Register will be secure and will be kept by the Central Credit Register for five years after your loan is paid off.

Central Credit Register factsheet

We will start to send information from 31 March 2018 and then each month after March.

  • Number of all loans of €500 or more;
  • Type of each loan;
  • Name of each lender;
  • Outstanding balance;
  • Number of overdue payments if any; and
  • Date of next payment.

More details of the full information held on the Central Credit Register can be found on

Credit reports will be ready in early 2018, you’ll then be able to:

1. Ask for your credit report completely free, anytime you’d like (subject to the Central Credit Register’s fair usage policy)

2. Insert a 200 word statement into your report, maybe to explain your circumstances

3. Apply to have your information changed if you think it’s:

  • Wrong;
  • Incomplete; or
  • Out of date


4. Let the Central Credit Register know if you believe that someone has, is or is about
to impersonate you.

The Central Bank will publish on www.centralcreditregister.ie the exact date when credit reports will become available.

To make sure you know your rights under the Credit Reporting Act 2013.

And to let you know that we have to share your personal and credit information if you take a loan out for €500 or more and we will be sending this to the Central Credit Register from 31 March 2018.

No we won’t. We’ll only send details of loans of €500 or over.

Yes we have to. As the original amount you borrowed was for €500 or more then we are obliged to send your details to the Central Credit Register.

Absolutely! We will only share it with the Central Credit Register and it will be sent securely, all in line with data protection laws.

Just one minor change. We will need your PPS number if you apply for a loan of €500 or more.

From 31 March 2018 and each month going forward after that, we will send personal and credit information about your loan to the Central Credit Register. The information relates only to loans existing at 31 March 2018 that were taken out for €500 or more. If there are any payments overdue as at 31 March 2018, the number of payments you’ve missed will be reported but the actual amount of arrears will not.


We will also make enquiries to the Central Credit Register when making decisions on any credit applications where the amount of the loan is €2000 and above.

  • Credit Cards
  • Mortgages
  • Overdrafts
  • Personal loans
  • Moneylender loans
  • Local Authority loans
  • Business loans

    Hire Purchase and Personal Contract Plans (PCPs) are not included at the moment but will be at some point.

Warning: This is high-cost credit.

Provident is the provider of high-cost credit.
Consider alternative options before applying for this credit, including alternatives from other lenders regulated by the Central Bank of Ireland.
For example:
✓ Shop around in order to know whether you can obtain credit on terms better suited to you.
✓ If you are struggling to manage your finances, talk to your creditors to agree a payment plan and ask the Money Advice and Budgeting Service for help. You can find more information on the MABS website at www.mabs.ie.
✓ If you are in receipt of social welfare payments, you may qualify for additional financial support which may address your immediate financial needs. Contact your local citizens information office for more information.

Our moneylending agreements range from having an APR of 157.3% with a cost of credit of €56 per €100 borrowed, to an APR of 187.2% with a cost of credit of €30 per €100 borrowed.

Licensed moneylenders must assess your creditworthiness in accordance with regulatory requirements. Before providing credit, we will seek such information from you.

Representative example: €450 loan over 26 weeks. 26 payments of €22.50 per week. Rate of interest 60.0% p.a. fixed. Representative 187.2% APR. Total amount payable €585.00.