Cash loans from €100 - €1,000, subject to affordability

If you need extra cash to cover those unexpected costs, a Provident loan could help

If the washing machine’s going to break, it's going to break when you've just paid for your NCT and it’s still weeks until you get paid. We're here to help. You could get a Provident loan of up to €1,000, subject to affordability and if approved, have it delivered straight to your door within days.

Choose the number of weeks you wish to repay your loan and, depending on the amount borrowed and whether you choose to repay over 26 or 52 weeks, your loan could be as low as €3 per week.

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


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
✓ 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.

Why choose a Provident cash loan?

  • You could borrow between €100 - € 1,000 subject to affordability
  • If approved, a friendly local Agent will deliver the money direct to your door
  • On-going support from your Agent, throughout your time with Provident
  • Manageable weekly repayments over 26 or 52 weeks
  • No extra fees or late payment charges

About Provident

Who is Provident?

We provide loans up to €1,000 to new customers which can be used to pay for all kinds of things – everything from repairing broken down appliances, doing a few small home improvements or getting their car fixed.

What is home credit?

Provident loans are often called ‘home credit’ or ‘doorstep loans’ as the loan is brought right to your home. There is a network of self-employed Agents who work across Ireland and deliver the service right to your door so there is no need to visit a bank or queue up in an office.

If accepted for a loan, the Agent will agree a day and time each week when they will collect your repayment. If you ever need to change this, your Agent can be flexible and will help ensure that you stay on track with repayments. You’ll never be charged any late fees. The amount you agree upfront is the amount you will pay in total.

What is the application process?

To apply for a Provident loan fill in the initial online application form or call us on 1800 553 083. If accepted in principle your details will be sent to a local Agent who will come to your home to discuss your application further.

Before your loan is accepted you will need to provide a Proof of ID and proof of address such as a current photo card driving licence. If you do not have a driving licence, you can find out the other types of ID we accept here.

Your Agent will also need to see proof of your income such as a wage slip or evidence of welfare payments. This allows us to check that you can afford the loan. The Agent won’t be able to complete your loan application without it.