Understand the cost of a Provident loan using our loan calculator

Cash loans from €100 - €600, subject to affordability 

Use the Provident loan calculator to help you understand what the weekly repayment amount for a loan could be, based on how much you want to borrow over 26 or 52 weeks.

If accepted in principle, you could be handed the cash within days.

As part of the application process a local Agent will be asked to visit you in your home to discuss your income and outgoings to establish if the loan is suitable, affordable and sustainable for you. If approved they’ll then issue the loan and collect your repayments weekly, from your home, at a convenient time and date decided between you and your Agent.

How much you need to borrow

How much you need to borrow

How much you need to borrow

Minus
€100
Plus
€600

Over how many weeks

Over how many weeks

Over how many weeks

26wks

52wks

Weekly payment

Total to repay

APR

WARNING: THIS IS A HIGH-COST LOAN

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.

Why Provident?

  • €100 - €600 cash loans,subject to affordability
  • Face to face service, carried out by a self employed agent privately in your home
  • Provident could help even if you've been turned down elsewhere

The Provident promise

• Provident never charge you fees for late repayment


• The interest rate will never change during the course of your loan so you always know the full cost of your loan up front


• There are no hidden extras. Your weekly payment is the only payment you’ll ever be required to pay.

What is an APR?

APR stands for Annual Percentage Rate

• An APR shows how much the loan will cost in full, including interest charges.


• APR’s are calculated on a yearly basis, to help consumers compare the cost of borrowing.


• As short term loans are taken out over a shorter period of time, the APR’s may appear to be higher.


You can find out more about APRs here >> 

Frequently asked questions

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.

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.

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.

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

Not found what you are looking for? More answers here >

Want to know more about how Provident works? Click here >>

 

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Feefo comment from April 2017

Rating collated from feedback received during the last 12 months.

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