Real Personal Finance, part of Provident Financial’s Consumer Credit Division, is a logical extension of the home credit business offering longer, larger loans that are remotely collected by direct debit. A Personal Finance Manager writes the loan in the customer’s home and also handles any early arrears in the customer’s home, but repayments are collected by monthly direct debit. Loans range from £750 to £6,000 and are typically between 12 and 36 months in length. The service combines the customers’ preference for personal contact with the convenience of remote repayments. Real Personal Finance is a relatively new product which will develop progressively throughout 2008, with a view to further expansion in 2009.