Thinking Of a Loan?


Self-employed Agents offer a friendly face to face service in the comfort of the customer’s own home. After making your initial application and being accepted in principle, an Agent will be asked to discuss your loan requirements, repayment options and if approved provide your cash loan. Your Agent will then arrange to collect your weekly loan repayments at a time that is convenient for you and your Agent. 

Want to find out more about Agents?

You could borrow between €100 and €600 subject to affordability, depending upon your personal circumstances and the weekly loan repayment being suitable, affordable and sustainable for you. When you take a cash loan from Provident, you know upfront exactly how much you will have to re-pay each week. That means you can borrow money knowing there will never be any unexpected extras.

Use the loan calculator to see how much your weekly payments could be.

To start your application online for a Provident loan you will need:

  • Personal information including your name and date of birth
  • Your address details for the past 3 years.

If your initial application is accepted in principle, an Agent will be asked to visit you in your home to assess your income and outgoings. Proof of ID, address and income must be presented during your home visit in order to complete the assessment.

Accepted in principle is a stepping stone to full approval of your loan. To apply for a Provident loan, you first need to complete a form online or over the phone. At this stage of the application checks are carried out to see whether any previous lending data is held about you. This helps inform the decision to lend to you.

At this point if the checks are successful, you will be given a decision of accepted in principle. This means your application will progress to the home visit stage, where an assessment of your income and outgoings will be carried out to ensure the loan is suitable, affordable and sustainable for you. An Agent will also check your proof of ID, address and income.

No. You do not need a bank account for a home collected loan as the loan is delivered to your home in cash and the Agent will come round every week to collect cash repayments.

Yes you will still be considered for a Provident loan. However, when the Agent makes their initial visit they will need to be satisfied that the income you declare is accurate and repayments are suitable, affordable and sustainable for the duration of your loan.

If you’re accepted in principle an Agent will be asked to come to your house to discuss your loan requirements and assess your income and outgoings. At this point the Agent will check to see if you can afford to repay the amount that you have asked to borrow.

If the assessment shows that you can’t afford to repay the amount you’ve applied for, you may be offered a lower loan amount providing this is suitable for the purpose of the loan.

The Annual Percentage Rate (APR) on your loan will depend on how much you want to borrow and how many weeks you choose to repay it over. Use the loan calculator to find out how much your loan could cost. Alternatively read the article on APR's in the Money Guide. 

As a new customer you are able to borrow over 26 and 52 weeks, subject to affordability.

If you want to settle your account early then you should get in touch with your Agent, so that they can talk you through your options. They will then be able to explain what happens if you pay your loan off early.

Yes it is. The details of your loan will only be discussed with you, and not with other family members or friends without your consent. Making sure that we keep your data secure is really important to us.

We understand that life doesn’t always happen as we planned. If you find that your circumstances have changed and you need to discuss your loan, you should contact your Agent as soon as possible. Your Agent will then be able to work with you to discuss and agree an affordable repayment plan. If you need further support, you can find out more information on our loan repayment difficulties page.


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.