Rating based on 55 reviews

Provident Loans


  • Short-term loans up to £1,000
  • Low-interest starting from 112%
  • Repayment up to 52 weeks

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Provident Loans homepage

Author Provident Loans. Screenshot of Provident Loans website. [Accessed April 28, 2020]

About Provident Loans

Provident has been around since 1880 and was founded by Joshua Waddilove. His aim was to help working families provide for themselves.

At the heart of Provident are you the people. We are invested in making sure that you get the best our company has to offer. We have been helping families and communities by offering them cash from the range of £100 to £1000 over different term lengths and also subject to affordability.

Why use Provident?

We are part of the Provident Financial Group and we are an FTSE 250 company. We are one of the UK’s leading suppliers of credit to the non-standard lending market. We provide a number of different products such as home loans, online loans through Satsuma Loans and credit cards through Vanquis Bank. We also voluntarily follow the CCA’s code of practice that sets a standard business practice for its members. This gives the customers the assurance they need as well as peace of mind knowing they are protected.

Provident Loans Services

You can choose your loan options, use our calculator to select how much you need to borrow and how long you want to borrow it for. You can choose from 13, 26 or 52 weeks.

You can also start your loan application online but to be able to qualify you to need to be a UK resident and between the age of 18 and 74. Your cell number and address should be active for the past 3 years. Agree to a home visit from our team member so that we can perform an affordability assessment.

A unique service

The last process of your application will then be a home visit from one of our members. We do this so that we can ascertain your financial state. We need to make sure that the loan repayments are manageable for you. Our employees will always wear or carry official ID so you will always know who you are busy talking to. For quality and training purposes all conversations are recorded.

Provident Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 112%
  • Loan Amount up to £1,000
  • Repayment 13 weeks to 52 weeks

Benefits of Provident Loans

  • Bad credit loan options
  • No hidden fees
  • Flexible repayment options

Short-term loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Get a quick and reliable short-term loan form Provident

If your loan is approved, then we will send a Provident member to your home to deliver your money and then come back on a weekly basis to collect the repayments.

Provident everything you need and more

We have many different types of loans that you can have a look at and decide what is best for you and what will suit your pocket and your financial situation.

Provident doorstep loan

What is a doorstep loan? It is a loan that is delivered to your doorstep. This gives you the customers the chance to discuss any and all your credit needs and financial circumstances in the comfort of your own home.

With Provident doorstep loans, there are no hidden charges and no fees for late payments. If you have a problem repaying your loan then you can discuss it with our representative and work out a payment plan.

So you will choose the amount you need and the time you will need to pay it back. Thereafter you will do the online application to find out if your loan has been approved in principle. Then we will end with the home visit where you will need all the necessary documents and all our visits are voice recorded for quality and training reasons. If you are approved then you will get your money the same day.

Provident short-term loans

What are Provident short term loans? It is the sum of money that is borrowed over a short time period. The amount inclusive with interest is usually paid back in less than a year. Short term loans can help you when those unexpected things happened and it tides you over.

What does a Provident short-term loan offer you?

When you take a short-term loan out with Provident you will know exactly how much you will be paying back each week. Which means that you won’t have any unexpected charges come your way. Remember that all loans are subject to an affordability assessment. Unlike other lenders, we don’t use what you have as surety.

You can make loan amounts from £100 till £1000 over a period of 13,26,52 weeks all subject to affordability. We will make sure that you don’t borrow than you can afford to pay back.

Cash loans with Provident

Quick cash loans are exactly that, loans that are paid out to you in cash. This is delivered to your door so a bank account is not needed. Each week we will collect your payments.

The initial stage we will ask a number of questions such as your name, address, date of birth, how much you would need to borrow and how long it will take for you to repay it. If you have been accepted in principle then we will visit your home.

What are bad credit loans?

When we talk about bad credit loans, it’s referred to those who have a poor credit history. Or those that have never had a credit card before or any credit history. Many lenders prefer not to give out loans to such borrowers as there is no evidence to suggest that you are able to pay back the loan.

At Provident, we may be able to help you where others can’t. We will have someone come to your home and do an affordability assessment and then from there decide what would be the best course of action.

With all the information, we hope that you will be able to make better-informed loan choices with us at Provident.

Customer Reviews & Testimonials

July 2019

I was so impressed with Provident as I had no credit history and they helped me find a loan that works for me

Allison R
— London —

October 2019

I really needed a short term loan and with Provident I could access my funds immediately and not even leave my house. Thank you.

Trevor M
— Machester —

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