Providing proof of ID, address and income for your application

What documentation do I need?

If accepted in principle, your Agent will call you to discuss your income and outgoings to ensure the loan is suitable, affordable and sustainable for you as well as complete the application process. During this call your Agent will ask you to send them proof of your ID, address and a short video of yourself asking for a Provident loan. They'll also check that you have your own email address and bank account (not a savings account) so you can receive your loan. 

Your Agent will also then need to see your proof of income such as a wage slip or evidence of welfare payments and they’ll discuss your outgoings with you.

For all loan applications you will need to provide your Agent with legible photos of your proof of ID, address and income. They will not be able to complete your loan application without this.

What documents can I use?

A full list of documents that can be used as proof of ID, address and income are listed below. Expand the relevant box to find out what you can use.

Documents for proof of ID and address

        • Current Photo Card Driving Licence
          Photograph must clearly be of the applicant and not be expired 
        • Current passport
          Must be within start and expiry date
        • Identification card with photograph issued by an Garda Síochána
          Must be within start and expiry date
        • EU Members State Identity Card
          Must be within start and expiry date
        • *Public Services Card 
          Photograph must clearly be of the applicant and not be expired
        • *ML10 Issued within last 6 months, and clearly approved by an Garda Síochána

      *If using these documents as proof of ID, for any loan agreement of €500 or more, you will also need to provide documentation of your date of birth, such as birth or marriage certificate, a European Health Insurance Card or an identity confirmation letter issued by Dept of Social Protection (must be dated and include your date of birth).

Please note: If you have a current photocard Driving Licence but have not used this for proof of your identity, you can use it instead as proof of your address.

  • Bank/building society issued documents such as mortgage statements, bank letters or confirmation of new account letters (new account letters must show name, address, sort code and account number), dated within the last 6 months. Bank Statements are not acceptable.  
  • Tax Clearance Certificate (TCC)
    Valid for 6 months
  • Utility bill dated within the last 6 months
    Must be a bill statement addressed to the applicant at the current address with account number present. Acceptable types of utility bills are:
    • Water
    • Gas
    • Electric
    • Telephone
    • Bin Charge
  • Recent Credit Union statement dated within the last 6 months
    Must be a member statement addressed to the applicant at the current address with the member number present.
  • Recent Government issued statement dated within the last 6 months
    Document associated with the Government departments e.g:
    • Social Welfare benefit letter (includes reference number)
    • Job Seekers benefit / allowance
    • Illness benefit
    • Maternity benefit
    • Carers benefit
    • Child benefit / allowance
    • Irish revenue commissioners communications (includes reference number) 
  • Current household/motor/personal insurance documents dated within the last 6 months
    Must be a current insurance certificate or statement addressed to the applicant at the current address with account number. 

Documents for proof of income

In order to assess your income and outgoings you must provide your Agent with proof of your source of income such as:

Employed

  • Payslip (dated within last 35 days); in some cases 3 consecutive payslips may be required
  • Letter from employer (dated within last 35 days)
  • Contract of Employment (incl. salary) (dated within last 70 days)

In order to assess your income and outgoings you must provide the Agent with proof of your source of income such as:

  • State/Private Pension
    Payment receipts from Post Office dated within last 35 days (Containing Customer name and income value) or Statement dated within last 365 days

In order to assess your income and outgoings you must provide the Agent with proof of your source of income such as:

    • Adoptive benefit 

    • Back to education allowance

    • Carer's allowance/benefit 

    • Child benefit

    • One-parents family payment

    • Disability allowance/benefit 

    • Family income supplement 

    • Jobseekers allowance/benefit 

    • Illness benefit

    • Injury benefit

    • Maternity benefit 

    • Deserted wives allowance/benefit 

    • Guardian's payment 

    • Domiciliary Care Allowance (DCA)

 

    Please note: for all of the above, payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement dated within last 365 days must be presented.

In order to assess your income and outgoings you must provide the Agent with proof of your source of income such as:

  • Foster Income
    Statement within 365 days
  • Maintenance payments
    Statement within 365 days
  • Verified rental income
    Statement within 365 days

Frequently asked questions

If you have multiple sources of income you will need to provide evidence of each one.

To make sure the loan is affordable for you throughout the duration of the loan your Agent cannot take into account any income where it will not continue over the full term of the loan, e.g. Child Benefit that will stop in a few weeks when your child leaves full-time education.

Speak to your employer(s) for copies of your payslips.

For Private Pension documents contact your provider.

Welfare Office Locator: https://www.welfare.ie/en/Pages/Intreo-Centres-and-Local-and-Branch-Offices.aspx

Online Statement Request Form: www.welfare.ie/en/pages/secure/onlinestatementrequest.aspx

Your Agent will ask you how much you spend on outgoings such as; rent/mortgage, food, bills and entertainment. It will help if you check before your Agent visits so you can have accurate information. This helps the Agent understand your current financial commitments.

Proof of Personal Public Service Number (PPSN - required for loans of €500 or more)

  • Any correspondence from the Department of Social Protection or the Revenue Commissioners addressed to you the applicant (dated within the last 365 days)
  • Drug Payment Scheme (DPS) Card (must be valid and not expired)
  • Medical Card (must be valid and not expired)
  • Notice of Tax Credits  (dated within the last 365 days)
  • P21 (dated within the last 365 days)
  • P45 (dated within the last 365 days)
  • P60 (dated within the last 365 days)
  • Payslip (dated within the last 365 days)
  • Receipt of Social Welfare Benefit Payment (which shows full PPSN) (dated within the last 365 days)
  • European Health Insurance Card (must be valid and not expired)
  • Tax Assessment (dated within the last 365 days)

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