About Provident


Provident was first created by Joshua Waddilove in 1880. Since then, Provident has grown and developed to offer home collected 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.

Provident ensures that it always provides a transparent service to customers, with no hidden costs so you’ll always know the full cost of your loan upfront.

We're not a bank. 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. Each individual's circumstances are taken into consideration, and your income and outgoings are assessed to make sure that a Provident loan is right for you.

There are a network of self-employed Agents across Ireland who are there to discuss your loan requirements on a day that is suitable for you both. This could be done over the phone or in your home. 

No. All our charges are included within the total cost of your loan and are paid back in your weekly repayment.

No, we would never work with loan brokers who charge fees to customers. We do work with brokers, but on the agreement that the customer does not pay anything extra for this service.

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

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

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.