Provident Loans

  • Borrow £100 to £1,000
  • Repay over 13 – 52 wks
  • Fixed weekly payments
  • Friendly Rep to support you
  • Bank account is optional
  • Multiple loan options

Provident Loans logo

About Provident

UPDATE: Provident has permanently stopped all lending of doorstep loans. Explore other small loan options. Read about Provident’s Scheme of Arrangement if you have borrowed previously from Provident.

Provident is the UK’s leading home collected personal credit company offering small unsecured personal cash loans. Since 1880 they’ve helped people buy the things they need using their friendly door-to-door service.

Provident specialises in straightforward personal credit that puts you in control. They offer small cash loans which, if accepted, are delivered straight to your door or, if you prefer, your bank account. Their loans have weekly fixed repayments – and the amount owed never goes up.

Loan Summary:

  • Unsecured “provident loans” from £100 – £1,000 subject to affordability
    • repay in weekly instalments – 13 to 52 weeks
    • existing borrowers may be able to borrow up to £2,500 subject to affordability over a period of 52 to 104 weeks.
  • You may still be considered even if you have a poor credit history or CCJs
  • Affordable, fixed repayments that keep you in control
  • No hidden fees – only pay what you agreed to upfront
  • You don’t normally need a bank account or a debit card – choose between cash delivered to your door or to your bank account
  • It’s free to apply and you’re under no obligation after you’ve applied
Loan Amount (£) Loan Term (weeks) APR*
100 – 900 13 – 52 299.3%
950 – 1000 26 – 52 299.3%
1000 – 1600^ 26 – 104^ 299.3%
1700 – 2500^ 52 – 104^ 299.3%

* assumes repayment over 52 weeks / ^ existing customers only

Compare Provident to Other Lenders

For clarity here are the key differences of Provident to the “typical” or “average” doorstep loan lender:


  • Along with Morses Club, they offer the largest loan amounts of any doorstep lender for new customers.
  • Existing customers are able to apply for up to £2,500 subject to affordability.
  • Excellent reviews on – 4.7 out of 5 based on over 3500 reviews
  • They’ve been trading successfully for 120+ years
  • They cover the whole UK


  • The actual interest being charged is 112% p.a. which outs it slightly higher than both Morses Club and Loans at Home
  • They offer an online portal for account management but not a phone app

Provident’s Representative Example

Borrow £260 for 26 weeks. Representative 535.3% APR fixed. Weekly payment £15.60. Interest payable £145.60. Total repayable £405.60.

How to find Provident

Registered Office Address:

No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU

Office Hours:

Mon – Fri: 08.00 – 18.00

Important Links:


Privacy policy

Terms & conditions

Company Information

Company Registration

Provident is a trading name of Provident Personal Credit Limited. Registered Office: 1 Godwin Street, Bradford BD1 2SU. Company registration number 146091.

FCA Registration

Provident Personal Credit Ltd is authorised and regulated by the Financial Conduct Authority with firm reference number 700144.

ICO Data Protection Registration

Provident Personal Credit Ltd is registered with Information Commissioner, registration number Z5227544.


Compare the price of home collected and other cash loans available in your area at


Doorstep Loans Guide

If you’re uncertain which type of credit might suit you or you have a money problem then one of the guides may help you. We summarise each type of loan and their pros and cons and address issues regarding debt and credit ratings.

Got a Question about Provident Loans?

Answers to Common Questions

What are Provident loans?

A Provident loan is a small cash loan that you repay on a weekly basis. Typically you apply for the loan and it is delivered to your door, although the recent pandemic has meant that a bank transfer option has also been made available. Repayments are fixed and you never repay more in total than was agreed at the start. Provident has existed for over 100 years and has a great reputation for its doorstep loans.

How do Provident loans work?

The process to apply for a Provident loan is as follows:

  1. Choose your loan option – the amount and the number of weeks you want to borrow it for
  2. Start your loan application online – make sure you satisfy the basic criteria (UK resident, aged 18 to 74), provide contact details, agree to be called and to an affordability assessment.
  3. Finish your application with a (30 minute) phone call or home visit – you will need to provide proof of ID and income. Once approved your loan can be delivered to your home or to your bank account if you have one.
Can I get a Provident loan in my area?

Unlike some home credit lenders, Provident are a national organisation who can provide their service across the whole UK.

How long does it take to get a Provident loan?

The speed will depend on whether you elect to complete the loan face to face or 100% online. And it will also depend on providing the necessary documentation to prove both your identity and income. Provident state that so long as your application is completed by 5pm on a working day (Monday – Friday) your loan will be with you by midnight. Otherwise, you will receive the funds the next working day.

Can you repay Provident loans early?

You will need to speak to your rep about this.

Provident loans for existing customers

If you already have a Provident loan it is possible for you to borrow more – perhaps up to a total of £2500 (repayable over a period of 52 to 104 weeks). You should talk to your rep about this option. In fact your rep is your first port of call for any query you might have about your existing loan.


  • No Upfront Fees
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.



rating starrating starrating starrating starrating star

Our reputation is great. In fact we have scored 4.6 out of 5 based on 203 ratings & 21 user reviews for our doorstep loans service.


FIND A LOAN find a loan now

Answer 4 quick questions and we’ll tell you what kinds of credit may be available to you

GET A QUOTE apply now

Use our quick, simple & secure enquiry form to get a quote now. Compare deals & complete your application.

Written/Reviewed by: Amanda Gillam

rotating loading icon
arrow to return to top