Provident Personal Credit

96 reviews

535.3% Representative

Will lend between: £100 - £500

Over: 13 - 52 Weeks

Representative example: £270 loan over 26 weeks. 26 payments of £16.20 per week. Rate of interest 112% p.a. fixed. Representative 535.3% APR. Total amount payable £421.20.

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Representative 49.9% APR.

Provident Personal Credit customer reviews.

96 reviews

2.5 out of 5 stars

Best bad credit loans about
11:50 03-06-2013
ImageChoose Wisely

If you've got yourself into a pickle on your credit file provident are the only ones who you can turn to. They helped me in a bad spot and after using them for a while the rates got better and weeks could be extended. Its nice to know if you're loyal they begin to trust you unlike other companies, i will use them time and time again until my credit is back to normal. Once more provident kinda forced me into being responsible with my payments as before banks would only send letters which can be ignored at least provident turn up at your door and to save any embarrassment i make sure i have my payments ready. My agent is Sue very nice polite lady.

Mike

For helping me to buy what I need
22:21 23-06-2018
ImageSmart Money People

Not too sure about this page I need help in doing so

Pauline brown

AWFUL!!!!!!!!!!!!!!
01:01 01-05-2013
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Absolutely disgusting service. My agent is a nightmare. Only comes when she feels like it and then puts it down as I was not in! Doesn't bother getting out of her car, just beeps her horn! Book never up to date. Actually haven't seen my book in months, as she said she gave it back (which she hasn't)! Could be pocketing it herself for all I know! Even had to drive 30 minutes to her home address to pay her as I had fell so far behind. USELESS service, USELESS agent, PUSHY HARD SALES! Would never ever get a loan with this company again, customer service is a must and these people are rude! Never felt so victimised in my life! AWFUL!!!!!!!

hollysmummy1988

Very good services
14:54 16-05-2018
ImageSmart Money People

And friendly and got it when it was needed

Shema

***fraud do not use PROVIDENT***
12:38 17-03-2013
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MY LAST PROVIDENT AGENT RAN OFF WITH AROUND £600 OF MY PAYMENTS AND WAS NOT MARKED OFF MY PAYMENT BOOK, AS I WORKED AWAY I COULD NOT VIEW MY BALANCE BOOK UNTIL IT WAS TO LATE, SHE LEFT PROVIDENT UNDER SUSPICIOUS CIRCUMSTANCES, AND THEN I HAD DEBT LETTERS OFF THEM ASKING FOR £1200, NOT ONLY DID SHE RIP ME OFF SHE RIPPED OFF PROVIDENT. I ONLY USED PROVIDENT TO GAIN BETTER CREDIT SCORE AS MY LAST PARTNER MADE IT WORSE, ITS NOT THAT I NEEDED THE LOAN AS I WAS EARNING £45,000 A YR , JUST TOOK IT OUT TO BETTER MY SCORE...THEN I GET RIPPED OFF BY THESE PEOPLE.

STU

A lending hand!
03:47 08-11-2017
ImageSmart Money People

Being skint 3/4 days after payday is a real killer. How is one supposed to live without being able to provide yourself with the basic needs ‘Food, Warm & Shelter’? Well.. Being egible to take out a loan with Provident Personal Credit when I was a low point financially helped me turn my money situation around. I took out a £500 on a agreement of a monthly repayment of £25 to help me get myself back on my feet and I can honestly say they did just that! :)

Charlene Watters

Exellent
15:20 30-11-2012
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I recently took out a loan from provident. As I have been a victim of fraud, I have a bad credit rating and never have been offered a loan, I wouldn't even be accepted for a phone contract. My agent came and said no problem, She is great Gail is, Plus she give me another loan at Christmas, Maybe You pay high Apr, But its better than going to loan sharks who will kick your door in and assault you for non payment. Some people on here moaning about getting offered a loan, cant please some people. I'm more than happy would reccomend

Ste

Review on provident
17:35 03-11-2017
ImageSmart Money People

Absolutely fantastic service! Applied for my loan and within a few days the advisor called out and give me it there and then.. couldn't have asked for a better service.

Sharon Boyd

do what they say
03:48 27-11-2012
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o.k been reading some bad reviews, i not had the same experiences been with them about 7 weeks now, booklet kept up to date, loan was available to me within days with no problems, and my agent Julie couldn't be nicer. o.k interest is high, but this is all made clear before you sign for loan. I personally would recommend them!

phill

spot on
05:06 24-10-2017
ImageSmart Money People

friendly staff were very helpful and so pleased my loan was paid on same x

Amanda dodsworth

Our review of Provident Personal Credit

Provident are a doorstep lender that have been operating for over 135 years and have a number of other loan brands within their umbrella company. They make it very clear on their website that their business is all about people and pride themselves on their face-to-face business style. Their offering is similar to other doorstep lenders in the market - the online application followed by the home visit and then smaller weekly repayments made in cash to the agent, however they are towards the more expensive end of the table in terms of their representative APR.

One thing that Provident do for their customers is to offer them the option to pay by card over the phone if they are unable to meet their agent on their repayment date. This prevents customers from falling into arrears, but is not a long term solution and if you are unable to make your face-to-face payments then you will need to speak to Provident about the change in your circumstances. If you do have enough funds to cover the outstanding balance of the loan then Provident allow early settlement, you will need to speak to your agent to get the process going.

Provident have achieved a 4.8 out of 5 on feefo.com and that is from almost 2500 reviews. The online reviews are really positive, especially about the friendly service, easy application and the low repayments. Provident have replied to the majority of their customers to thank them for their reviews, or if there is an issue, to resolve it.

Overall verdict: Provident have been around for a long time and their experience shows. Their offering isn’t dissimilar to other doorstep lenders, but their reputation makes them one of the bigger names in the market and their online reviews are glowing. One thing to bear in mind though is whether you can afford repayments weekly, otherwise you could end up damaging your credit history.

Written by: Alex

Highlights

  • Can lend to customers with poor credit history
  • Applicants can have CCJs
  • You don’t have to have a bank account
  • No upfront fee
  • Pay by card if you miss your agent

Minimum criteria

  • You must be aged between 30 and 74
  • You need to be a UK resident
  • Loan amounts up to £500

Fees

  • Maximum APR 1068.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

Provident Personal Credit Customer Question & Answers

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About Provident Personal Credit

Provident are a doorstep lender that can offer unsecured loans between £100 and £500. Their loans are available over terms between 13 and 52 weeks and repayments are made weekly. Their representative APR is 535.3%, however the rate offered may be different due to the personal and financial information collected during the application process.

Following the online application, a Provident agent will visit your home to go over the details of your loan, such as your repayment days and amounts, as well as your interest rate. Once everything is finalised the agent will return to your home with the loan in cash, and will thereafter collect your weekly repayments from you on a day and time convenient to you.

During the application process you will need to give Provident information such as your National Insurance number, address details for the past three years, your telephone number and your email address. You will also need to agree to a credit check which will leave a footprint on your file. Provident accept customers with poor credit history and that have been turned down for credit in the past. They also accept applicants who have had CCJs in the past.

Company information

Registration number: 146091

www.personalinhomecredit.co.uk

0800 409 6654

1, Godwin Street, Bradford, West Yorkshire, BD1 2SU, United Kingdom

FCA registration

Reference No: 002529

Trading names: Advance Cash, Advance Loans, Provident Direct, Provident Personal Credit, Provident, Satsuma Loans

Place of business: 1, Godwin Street, Bradford, West Yorkshire, BD1 2SU, United Kingdom

Data protection registration

Registration No: Z5227544

Data controller: Provident Personal Credit Limited

Address: 1, Godwin Street, Bradford, West Yorkshire, BD1 2SU, United Kingdom

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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk