About Provident


Provident was created by Joshua Waddilove in 1880. Since then, we have grown and developed to offer personal loans to customers who find it hard to get credit. This could be due to many reasons, including a poor credit history or irregular income, among others.

We offer a transparent service to customers. The cost of your loan is fixed, so you always know what your repayments are.

We're not a bank and we're not a credit union. As long as you are aged 18-74 and a resident of Ireland, you can apply for Provident loan. You don’t need to be a member, receive particular benefits or be part of any saving schemes. You don’t even need a perfect credit rating. We look at each person’s individual circumstances and assess your income and outgoings to see whether a Provident loan makes sense for you.

Provident has a network of Agents right across Ireland who will visit you discreetly in your own home to discuss your loan at a time and on a day that suits both you and your Agent.

All our charges are included within the total cost of your loan and are paid back in your weekly repayment. Your Agent will discuss this with you if you decide to make an application and you are accepted in principle.

We would never work with loan brokers who charge fees. We do work with brokers, but on the agreement that the customer does not pay anything extra for this service.

At Provident, customers are at the heart of our business. We aim to provide a high standard of customer care and satisfaction and therefore take all complaints very seriously and will try to put things right.  Please see our complaints page for more information.

You may have noticed the VeriSign logo on the website. This service ensures we keep your personal details safe and secure when you start your application online.

To find out more information about security, click on the padlock icon in your web browser. For more tips on keeping your computer safe, click here.


Representative example: €460 loan over 26 weeks. 26 payments of  €23.00 per week . Rate of interest 60.0% p.a. fixed. Representative 187.2% APR. Total amount payable €598.00.