Responsible lending

Responsible lenders will only lend you money that you can afford to pay back. We've been lending a helping hand since 1880 so we understand the importance of lending money responsibly and we are committed to treating customers fairly.

When you take out a loan with Provident, our home credit service means you’ll never have to queue at a bank or in an office to get a Provident loan. An Agent will come to you. Our face to face service is at the heart of what we do and allows us to develop a detailed understanding of your circumstances.  

What you can expect from us

  • clear information on the cost of your borrowing, and our terms and conditions
  • a check to make sure that you have the ability to make regular payments and repay the loan before providing credit
  • your personal information will always be treated confidentially and in accordance with Data Protection legislation
  • prompt and professional handling of any queries or complaints you may have
  • Fair treatment and understanding if you find yourself in a situation where you think that you may not be able to make your next repayment or you are struggling with the amount that you need to repay

Transparent service

We offer a service to customers who may otherwise be refused a loan. There are a number of reasons why people are often refused a loan, from a poor credit history, to not being a home owner.

We are passionate about the transparent service we provide. Under no circumstances do we increase interest, or add on any hidden fees ever during the course of your loan, so you always know what your repayments are. Should your circumstances change, the Agent will be on hand to discuss your options and help you to manage your loan repayments more effectively.  

Provident Agents

Provident Agents are what sets us aside from many of our competitors. Many live in the same communities as our customers so have a greater understanding of some situations the community faces. The Agents are there to talk through the loan applications, make the lending decision and, if successful, deliver your loan and collect repayments at a time that's convenient to you both. You can ask the Agent anything about your loan, or speak to them about any concerns you have regarding your repayments.  

We care

Whilst you may not get your loan instantly, our service means that the Agent will take the time to get to know you to ensure that the loan really is right for your needs, and we think that's more important.

Corporate responsibility

At Provident, we strongly believe in looking after the communities in which we work. Through our Good Neighbour schemes, we work within communities in order to address issues such as inclusion and money advice, whilst also investing in research to find out what matters to our customers.

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
✓ 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.