Thinking of a Loan?


Provident use self-employed Agents who offer a friendly face to face service in your home.

After making your initial application and if you’re accepted in principle, an Agent will visit you to discuss your loan requirements and repayment options. If you’re approved for a loan, the Agent will return with your cash. Your Agent will then arrange to collect your weekly loan repayments at a time that is convenient for you. 

Find out more about Agents.

You could borrow between €100 and €1,000, subject to affordability. When you take a cash loan from Provident, you know upfront exactly how much you will have to re-pay each week.

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 visit you at 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 towards full approval of your loan. To apply for a Provident loan, you first need to complete an online form, or you can apply over the phone.

Once you’ve applied, you may be given the status of accepted in principle. The next stage will be a home visit, 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.

You can read more about APRs 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.

Early Settlement Balance

If you tell us you want to settle your loan early, you'll get an early settlement balance quote which will tell you how much you need to repay. This is valid for 28 days.

Partial Early Settlement Rebate (PESR)

If you make an over-payment, you may be entitled to a Partial Early Settlement Rebate (PESR). The rebate reduces the amount of interest payable over the remaining term of the agreement.

Right to withdraw

You can withdraw from your loan agreement 14 days from the date after signing the agreement. You'll be required to pay the full amount of the loan as well as any daily interest within 30 days from withdrawing from the agreement.

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.

Alternatively, you can contact StepChange, the free debt advice service.


Representative example: €410 loan over 26 weeks. 26 payments of €20.50 per week. Rate of interest 60.0% p.a. fixed. Representative 187.2% APR. Total amount payable €533.00.