Provident Personal Credit

235 reviews

Representative 535.3% APR

Will lend between: £100 - £1,000

Over: 13 - 52 Weeks

Representative example: Representative example: If you borrow £260 over 26 weeks. 26 payments of £15.60 per week. Rate of interest 112% p.a. fixed. Representative 535.3% APR. Total amount payable £405.60

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Representative 49.7% APR.

Provident Personal Credit customer reviews.

235 reviews

1.9 out of 5 stars

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 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.

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Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • 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


  • Maximum APR 1557.7%
  • 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.

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Company information

Registration number: 146091

0800 694 0004

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

FCA registration

Reference No: 700144

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