How does a Provident loan work?

1. Choose the loan option you prefer

That’s how much you’d need to borrow over the number of weeks you'd like to make repayments.

Use the calculator to understand how much weekly repayments could be.

The amount you are offered may be lower than the amount you request here as the final decision is based on an assessment of your income and outgoings to ensure the loan is suitable, affordable and sustainable for you.

You must:

You will need:

Personal information including your name and date of birth

A contact telephone number

3. Finish with a visit from your local Agent

If approved in principle, your Agent will come to your home to discuss your loan needs, income and outgoings to ensure your repayments are suitable, affordable and sustainable for you, and complete the loan application.

Your Agent will also need to see income documentation as part of the affordability assessment and application process.

Payslip; in some cases 3 consecutive payslips may be required

evidence of welfare payments

If you're applying for a loan of €500 or more you will also need to provide your Personal Public Service Number during the home visit, you can see the full list of documents you can use for proof of Personal Public Service Number here.

You will need to have legible photocopies of your documents for your Agent to take away with them. They will not be able to issue the loan without this.

If your loan is agreed, your Agent will deliver the money direct to your door and each week, on a day that suits both of you, they'll collect your repayments.Learn more about who Agents are and what they do.

Find out more about our home credit loans

You could get a personal loan from Provident of up to €600, subject to affordability and have it delivered straight to your door. More >>

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About us

About our site

A home credit loan from Provident will require an Agent to discuss your financial income, outgoings and other financial commitments. Available to Republic of Ireland residents aged 18 and over. Written quotations are available on request.

Provident Personal Credit Limited (trading as “Provident”) is regulated by the Central Bank of Ireland