About us

At Provident, we put our customers at the heart of our business and have been doing so since 1880. We aim to lend a helping hand where some other lenders won’t, offering cash loans between €100- €1,000 subject to affordability, over a range of repayment terms, for both new and existing customers. What’s more, we can provide a face to face service which many customers may not get with other lenders.


Provident’s business is built upon the friendly service that self-employed Agents develop with customers. Unlike banks, the network of Agents across Ireland are on hand to discuss your loan needs and collect your weekly payment. They can do this either over the phone or in the comfort of your own home.

Often the Agents come from the same communities as customers, which means they have a greater understanding of some situations that the community faces.

Having an Agent call or visit you every week is not only convenient, but it’s also a useful reminder to put money to one side for your repayments. If you ever find that you’re struggling, then you can always work with your Agent to help to get your repayments back on track.

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.