What is an Agent?

Provident are different to most other personal loan lenders, as self-employed Agents visit you in your home, to provide a face to face service. As Agents live and work within the community that they serve, it means that they have a greater understanding of the area and the issues that the community faces.

Who are Agents?

Self-employed Agents are there to visit you, weekly in your home, providing a friendly face to face service. Agents are there to talk through your loan options and requirements to help you make the best decision for your individual circumstances.

What do they do?

Once you have started the loan process online or over the phone, and if accepted in principle, we will ask an Agent to contact you at a suitable time that’s agreed between you and the Agent. Here, you’ll have the opportunity to ask any questions you have about your loan and discuss your application in further detail. The Agent will carry out an income and outgoings assessment to ensure that the loan requested is suitable, affordable and sustainable for you. If approved, the Agent will then provide you with your cash loan. Your Agent will then call at your home to collect your repayments weekly and discuss any concerns you may have.

Your repayments

If, for whatever reason, you’re struggling to make repayments, your Agent will be your first port of call. They will be able to discuss your repayment options and work with you to make an arrangement for you to repay your loan. If you’re still struggling and you can’t speak to your Agent then you can speak to our customer service team on 1800 553 083.

What if I miss my Agent?

If something unexpected happens which means you miss your Agent and can't make a repayment, just give them a call and reschedule to a suitable time. If you’re unable to get in contact with your Agent then you can call Provident’s customer service team on 1800 553 083.

Working with Provident

There are some great opportunities to become a self-employed Agent, with the support of Provident. Visit our Become an Agent page to find out more.

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.