How can a Provident loan work? Frequently asked questions

Will you be considering taking right out an advance loan from a associated with British’s biggest home credit providers? Learn more about the applying procedure, and what you should make an application for a Provident loan. Please be aware, all Provident loans are susceptible to approval.

Simply how much you ought to borrow?

1) Select your loan choice

Make use of our calculator to choose exactly how much you will need to borrow, while the true wide range of days you desire to borrow it over.

Pick from 13, 26 or 52 days to help make repayments.

2) begin your application for the loan online

To use for a Provident loan you have to:

  • Be a UK resident, aged between 18 and 74
  • Have contact cell phone number as well as your address details for the last three years
  • Consent to a true house check out in one of y our group as well as an affordability evaluation

You’ll get a decision that is initial mins that will inform you in the event that loan is agreed in theory. Read our faq’s to find out more.

3) Finish a home visit to your application

For those who have been accepted in theory, an associate of y our team will check out you in the home and can carry an affordability assessment out to guarantee the loan is workable and sustainable for you personally.

Provident workers carry formal ID and that means you’ll constantly understand whom you’re conversing with.

All our house visits are sound recorded for training and quality purposes, to ensure that you obtain the most readily useful solution each and every time we see. Find out more FAQs about our vocals recording right right here.

Take note that the total amount you are offered following the affordability assessment that you have applied for may not be the amount.

Just What do i would like for the house check out?

Proof ID

You will be expected to exhibit proof your ID:


  • Present picture card driving licence
  • Current passport
  • National issued documents such as for example council department or tax for work and retirement benefits communications.

To look at the complete range of documents, follow this link.

Evidence of earnings

You will additionally be necessary to show evidence of your earnings:


At Provident we give consideration to a myriad of circumstances, whether you are used, unemployed, self-employed or getting benefits. To locate out what is accepted paperwork for every single just click here.

If for example the loan is authorized, an associate of our group will deliver the money to your residence and each week gather your repayments out of your home at any given time and time you like.

Provident runs a zero tolerance policy to threats and violence towards Provident Representatives.


You can borrow between ВЈ100 and ВЈ1,000, susceptible to affordability. Us, you know upfront exactly how much you will have to pay each week and in total when you take a cash loan with. Which means you are able to borrow funds once you understand there may not be any unexpected additional costs.

Accepted in theory is a stepping rock to complete approval of one’s loan. To use for a Provident loan, you need to perform a form online or throughout the phone. During this period of this application we execute a credit check. This check assists us to determine whether we could lend for your requirements and assists to verify your identification. This credit check is proportionate to your loans you can expect so that you won’t need to have a credit file that is perfect.

No. You don’t need a banking account for a house built-up loan because the loan is sent to you by a part of this Provident team in cash. They’re going to come round every week to get repayments which are often compensated in cash.

Yes, we think about all circumstances. We become familiar with your private circumstances and carry away an affordability evaluation. This means even although you’re self-employed, unemployed or on benefits with you is satisfied that the loan is affordable and sustainable for you, you could still be accepted for a Provident loan if you can provide proof of income and outgoings, and the member of our team going through this. To learn more about what exactly is accepted proof earnings follow this link.