Provident is the largest home credit business in the UK and Ireland. Every week, local agents visit the majority of our customers, to issue loans and collect repayments.

Provident offers home credit loans, typically of a few hundred pounds or Euros, through a network of agents who call each week to customers’ homes in the UK and Ireland. Agents are primarily paid commission on what they collect, not what they lend, so it is in their interests not to lend more than customers can repay. The total amount repayable is fixed at the outset, so there are no extra charges whatsoever.

How Provident home credit works

Through our Provident business, we provide small, unsecured loans, usually for sums of between £100 and £1,000 for new customers. Our customers use home credit for a variety of reasons, such as an unexpectedly high bill.

Everyone knows kids don’t come cheap and there always seems to be something extra to pay for! I’ve used Provident to buy school uniforms and last year we were able to get the boys new beds. It might not sound like much, but it has made a big difference to our family

Emma, Leeds

Provident agents are at the heart of the Provident home credit business. Often, they come from the same communities as their customers so have a real understanding of their customers' needs and circumstances. 

The agent’s weekly visit is not only convenient; it’s a useful reminder to put the money aside for the repayment too. If customers get into difficulty, they know they’ll get a sympathetic response and help from their agent to reschedule their repayments.

Repaying a Provident home credit loan

Unlike other forms of lending, home credit includes all the costs up front. There are no extra charges whatsoever, even if a customer misses a payment. For those managing on a tight budget, it’s important to know that the amount to be repaid is fixed at the start and will never go up.

For further information visit Provident's website.