What we do

Two ladies laughing together

Our portfolio of tailored products is based on building personal relationships with our customers and is split into three divisions: consumer credit, credit cards and personal vehicle finance.

Consumer Credit Division

A mother and daughter loading the washing machine

Home credit

We provide home credit through our Provident Personal Credit business, with 9,000 local agents visiting 1.6 million customers to issue loans and collect payments every week.

Online Loans

Satsuma Loans logo

Satsuma Loans

A fresh approach to lending.


Credit cards

A man looking at his credit card whilst on his laptop

Vanquis Visa card

Vanquis Bank provides Visa-branded credit cards with limits that are significantly lower than those of mainstream lenders and a high level of contact with customers to help them stay in control.

Vehicle finance

Moneybarn logo


Moneybarn provides car finance to non-standard customers in the UK. By assessing every customer’s personal history, needs and situation, Moneybarn can make responsible lending decisions and offer affordable payment schedules. 

Research and debate

A factual introduction to home credit and some of its associated issues.