How does a Provident loan work?

1. Choose the loan option you prefer


That’s how much you’d need to borrow over the number of weeks you'd like to make repayments.

Use the calculator to understand how much weekly repayments could be.

The amount you are offered may be lower than the amount you request here as the final decision is based on an assessment of your income and outgoings to ensure the loan is suitable, affordable and sustainable for you.

How much you need to borrow

How much you need to borrow

How much you need to borrow


Over how many weeks

Over how many weeks

Over how many weeks



Weekly payment

Total to repay



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.

2. Start your Provident loan application online

Complete the online application form. You'll find out in minutes if you've been accepted in principle.

You must:

  • Be aged between 18 and 74
  • Be a resident of the Republic of Ireland.
  • Agree to an Agent visiting your at your home

You will need:

  • Personal information including your name and date of birth
  • A contact telephone number

3. Finish with a visit from your local Agent

If approved in principle, your Agent will come to your home to discuss your loan needs, income and outgoings to ensure your repayments are suitable, affordable and sustainable for you, and complete the loan application.

What do I need for my Agent visit?

Proof of ID and address

Your Agent will ask to see your proof of ID and address;

  • Current Photo card Driving Licence (example of ID only)
  • Current signed passport (example of ID only)
  • Utility bill from within the last 6 months (example of address only)

You can view the full list here.

Proof of income

Your Agent will also need to see income documentation as part of the affordability assessment and application process.

  • Payslip; in some cases 3 consecutive payslips may be required
  • evidence of welfare payments


If you're applying for a loan of €500 or more you will also need to provide your Personal Public Service Number during the home visit, you can see the full list of documents you can use for proof of Personal Public Service Number here.

You will need to have legible photocopies of your documents for your Agent to take away with them. They will not be able to issue the loan without this.

If your loan is agreed, your Agent will deliver the money direct to your door and each week, on a day that suits both of you, they'll collect your repayments.Learn more about who Agents are and what they do.

Find out more about our home credit loans

You could get a personal loan from Provident of up to €600, subject to affordability and have it delivered straight to your door. More >>

Have a question?

Find an answer in our frequently asked questions. More >>