Understand the cost of a Provident loan using the loan calculator

Cash loans from €100 - €1,000, 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 visit you in your home to discuss your loan needs and 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


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 www.mabs.ie.
✓ 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 Provident?

  • €100 - €1,000 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.

• Annual percentage rate (APR) is the annual rate charged for borrowing, and is expressed as an annual percentage of the total amount of credit.

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.

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