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Provident

Provident

(32 customer reviews) Submit review
Provident has an average rating of 2.8 out of 5 based on 32 user reviews

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Address
Provident Financial Plc, Customer Relations, 1 Godwin Street, BD1 2SU
Telephone
080009660
 
 

Acceptance Criteria

You need:
  • It doesn't matter if you are employed, unemployed, on benefits, on Jobseeker's Allowance, retired or if you are a homemaker or carer
  • You don't even need to have a bank account
  • You don't need to have a good credit history
  • You must be 18 years of age or older to apply
  • You must have been a UK resident for one year or longer
  • You need: Proof of ID and your national insurance number
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Reviews
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Customer Reviews - The truth about Provident

Average Customer Review: (32 customer reviews) Add your own review

Average Customer Review:

(32 customer reviews)
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The most favourable review

Exellent

Ste, Liverpool
2 years ago

 
 
 
 
 
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I recently took out a loan from provident. As I have been a victim of fraud, I have a bad credit rating and never have been offered a loan, I wouldn't even be accepted for a phone contract. My agent came and said no problem, She is great Gail is, Plus she give me another loan at Christmas, Maybe You pay high Apr, But its better than going to loan sharks who will kick your door in and assault you for non payment. Some people on here moaning about getting offered a loan, cant please some people. I'm more than happy would reccomend

The most critical review

AWFUL!!!!!!!!!!!!!!

Hollysmummy1988, Southampton
2 years ago

 
 
 
 
 
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Absolutely disgusting service. My agent is a nightmare. Only comes when she feels like it and then puts it down as I was not in! Doesn't bother getting out of her car, just beeps her horn! Book never up to date. Actually haven't seen my book in months, as she said she gave it back (which she hasn't)! Could be pocketing it herself for all I know! Even had to drive 30 minutes to her home address to pay her as I had fell so far behind. USELESS service, USELESS agent, PUSHY HARD SALES! Would never ever get a loan with this company again, customer service is a must and these people are rude! Never felt so victimised in my life! AWFUL!!!!!!!

Best bad credit loans about

Mike, Bridgwater
2 years ago

 
 
 
 
 
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If you've got yourself into a pickle on your credit file provident are the only ones who you can turn to. They helped me in a bad spot and after using them for a while the rates got better and weeks could be extended. Its nice to know if you're loyal they begin to trust you unlike other companies, i will use them time and time again until my credit is back to normal. Once more provident kinda forced me into being responsible with my payments as before banks would only send letters which can be ignored at least provident turn up at your door and to save any embarrassment i make sure i have my payments ready. My agent is Sue very nice polite lady.

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AWFUL!!!!!!!!!!!!!!

Hollysmummy1988, Southampton
2 years ago

 
 
 
 
 
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Absolutely disgusting service. My agent is a nightmare. Only comes when she feels like it and then puts it down as I was not in! Doesn't bother getting out of her car, just beeps her horn! Book never up to date. Actually haven't seen my book in months, as she said she gave it back (which she hasn't)! Could be pocketing it herself for all I know! Even had to drive 30 minutes to her home address to pay her as I had fell so far behind. USELESS service, USELESS agent, PUSHY HARD SALES! Would never ever get a loan with this company again, customer service is a must and these people are rude! Never felt so victimised in my life! AWFUL!!!!!!!

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***fraud do not use PROVIDENT***

Stu, Blackwood
2 years ago

 
 
 
 
 
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MY LAST PROVIDENT AGENT RAN OFF WITH AROUND £600 OF MY PAYMENTS AND WAS NOT MARKED OFF MY PAYMENT BOOK, AS I WORKED AWAY I COULD NOT VIEW MY BALANCE BOOK UNTIL IT WAS TO LATE, SHE LEFT PROVIDENT UNDER SUSPICIOUS CIRCUMSTANCES, AND THEN I HAD DEBT LETTERS OFF THEM ASKING FOR £1200, NOT ONLY DID SHE RIP ME OFF SHE RIPPED OFF PROVIDENT. I ONLY USED PROVIDENT TO GAIN BETTER CREDIT SCORE AS MY LAST PARTNER MADE IT WORSE, ITS NOT THAT I NEEDED THE LOAN AS I WAS EARNING £45,000 A YR , JUST TOOK IT OUT TO BETTER MY SCORE...THEN I GET RIPPED OFF BY THESE PEOPLE.

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Exellent

Ste, Liverpool
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
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  speed to payout

I recently took out a loan from provident. As I have been a victim of fraud, I have a bad credit rating and never have been offered a loan, I wouldn't even be accepted for a phone contract. My agent came and said no problem, She is great Gail is, Plus she give me another loan at Christmas, Maybe You pay high Apr, But its better than going to loan sharks who will kick your door in and assault you for non payment. Some people on here moaning about getting offered a loan, cant please some people. I'm more than happy would reccomend

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do what they say

Phill , Lichfield
2 years ago

 
 
 
 
 
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o.k been reading some bad reviews, i not had the same experiences been with them about 7 weeks now, booklet kept up to date, loan was available to me within days with no problems, and my agent Julie couldn't be nicer. o.k interest is high, but this is all made clear before you sign for loan. I personally would recommend them!

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Awful company which preys on the hard up.

Lynda
2 years ago

 
 
 
 
 
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Your review

Note: You must be a customer of this company to submit a review
This company offers to help the hard up. I was having a hard time, got a loan of £300 to pay back £540. Fell behind with payments when lost my job and they kindly offered me another loan to clear up the last on and to give me some spare cash for Christmas. £600 and I was desperate so I took it and now I owe £1166. They know what they are doing don't they. It ought to be illegal. It was just too easy and now I have to pay £14 a week for 81 weeks. I should not have been so stupid but they were so nice and I just fell for it. Beware people!!!!!!!!!!!!!!

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Provident has helped me!

Helen, London
2 years ago

 
 
 
 
 
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I applied for a loan as a last resort.

Yes the interest is high but my payments are affordable. I have a lovely lady Sue who collects on Fridays and always updates my book. One Friday I was late she Told me to phone Head Office they took the payment no problem

To date I have had excellent service from Provident .Book always updated and given back to me..

Would use again in difficult times

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useless

Nicholas moore ireland
2 years ago

 
 
 
 
 
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Bad company has yet to deliver my loan that i applied for six months ago

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rip off

Michelle
3 years ago

 
 
 
 
 
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I had £800 cash loan for an emergency, the credit on top was ....... £1000 so totaling a whopping £1800 , i wanted to pay the last few hundred off so i knocked some of the interest off, but suddenly there was an error on my book ! agent took it away & added another £40 on so i didn't get any discount.
I am sure this is against the law, Stay away from these, they are legalized loan sharks, DO NOT GET THEIR LOANS.

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Loan Sharks

Robert low
3 years ago

 
 
 
 
 
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This company preys on the poor and are just legalised loan sharks, avoid at all costs...

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They Will rob you blind, AVOID!!!

Kathy, Sunderland
3 years ago

 
 
 
 
 
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I got a few loans from provident and I was happily paying them off dispite the massive APR % rates. My agent would call everyweek and she was pretty much the only person who would visit my home. I had my older brother over my home often and she started to question if he lived there and if he was my partner! I said no, and she was keep on asking if he wanted a loan, again I answered no he doesn't live here. She then called the job centre saying I was living with my partner??!!!! I got so angry at this as like I said he is my brother not my partner and he used my home to escape my mother for a while. I thought well she can be greedy well I can too. I went to my local debt advice centre and now I am paying them £1.00 per week :D Don't like people in my home who I can't trust and are willing to do things like that for extra commission. So the lesson here is DON'T TRUST THESE PEOPLE THEY WILL TAKE YOUR EYE BALLS AND COME BACK FOR YOUR SOCKETS IF YOU LET THEM!!!

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Superb

R, Inverness
3 years ago

 
 
 
 
 
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I took a loan with Provident, fell behind with payments bat found they were great and set up a more affordable weekly ammount, no hassle or no extra charges. Even afterwards if I could not pay on time they would just ask for a suitable time to call again.

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No problems here :)

Natalie, Stafford
3 years ago

 
 
 
 
 
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I have never had any problems with my Provident loan. My agent is brilliant and has become a friend of mine. She comes every week and shows me her booklet so I know my payments are being made. If I have no money on the day she usually comes (Tuesday) she is always in my area on the Friday so will call back. Yes the apr is high and I originally only got one as my ex husband left me with nothing but if I was in desperate need of cash again I would definitely go back to them

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Be Careful!!

Jojo, Yorkshire
3 years ago

 
 
 
 
 
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Please be careful when wanting to borrow money fron any company as well as this one. I have been with them for a short while now. In this time I have had 4 different agents and 1 very nasty manager. They promise to collect every week but don't then you end up looking like the bad one as the agents will say to their manager they can't get money of you or even try to transfer you back to the head office when as a matter of fact they forget to knock on your door and you end up asking them when they are coming, so not only are you paying high interest your also paying for the phone calls/texts to even get one to come to your house. This is bad enough but as I mentioned above "very nasty manager" which concerns me more than anything. The manager came to my door a couple of weeks ago with a new agent, she didn't introduce herself by name but made it very clear she was the manager. The new agent in front of the manager told me to leave my money in the book and put it into the gas meter cupboard and she would bring a key to unlock it. I was shocked at this as my property is very securely locked as I have 4 very large dogs, also anyone could follow her and then take everybodys money that uses this form of collection., how many people have got these keys for god sake! The manager just stood there and didn't even say it was a very bad idea. We eventually agreed it would be easier for me to pay over the phone. The manager gave me a number for Halifax and told me this was the office number. I did some research on the internet as I was concerned about the number and the head office is based in Bradford (01274). So on Monday 23rd at approx 10.30ish I made a payment to the head office number (0800), they were more than happy with the payment. At 3.20pm someone was banging on my door, when I opened it i saw the new agent, she told me she had come to collect payment, I told her that it was agreed by all of us that I would make a payments over the phone. She told me I had to make a payment now. I asked her not to discuss my personal business on my door step as I didn't want my neighbours knowing my business and asked her to leave. She then shouted to the manager who was in her car, the manager got out and shouted whats the problem. I explained again I had made payment over the phone to the 0800 number. She was very annoyed about this and said I should have phoned her. I asked both of them again to stop talking about my business on the door step and asked them to leave 3 times. I was then threatened by the manager. I have reported this to Provident who have assured me that they will investigate this, I have also reported this to the police of which now the manager has denied threatening me and the police also said whatever you do, do not put money into your gas meter box, they were very shocked that I had been told to do this. I am also going to report this to trading standards as this behaviour is not acceptable and is illegal. If you do borrow from this company or any other company and get abuse please do report it as this bullying behaviour is very unproffessional and these bullies are breaking the law.

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Brilliant

Sandy, Wrexham
3 years ago

 
 
 
 
 
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Fantasic services...

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i am still waitting no one even call me

Mitra, London
3 years ago

 
 
 
 
 
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hi again .first of all i have to say never again ,even i am in very bad debt i will not get money from provident . after i complain beacouse of mistaken in my account they still didnt fix the problem and i can not get a mortgage .how care.

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Avoid

Lloyd, Leeds
3 years ago

 
 
 
 
 
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Got a £150 loan of provident and paid it off no problems, then got a £300 loan from then and thats when the problems started. My agent started turning up every few weeks or whatever day she felt like and after about 6 weeks, she'd only turned up once (on a thursday not a friday) and been given the money. Then the following week she demanded the full 5 missing 5 weeks PLUS that weeks money. I told her no and that she should have stuck to the agreed dates, on the Tuesday of the following week a man in a suit who claimed he was a manager for Provident came and tried to threaten me into paying otherwise the baliffs would be involved. I shut the bottom door (I live in a flat with 2 doors) and stopped paying full stop.

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really bad

Mitra, London
3 years ago

 
 
 
 
 
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hi i had a loan 2 years ago with provident with very hi interest hich is really bad for you and after i gave them all money back and i sold my car paid of all the loan and then after 8 months i find out this company took the money and they did not close and settle my account and now after this all months in my account showing 2 months late or 3 months late payment and i contact them they said we will remove this mistake but this company is rubbish and no one give you ansewer there mistake afected my credit score and my credit score from 830 drop to 600 and everyday i call them the lady she manage the chiswick area she doesnt have any idea what happend .i am fed up with this crap company they rip you with hi interest and make your life hell for there mistake i can not get a mortgage now i dont know what i do no one give me ansewer.?????

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donna henderson agent for provident

Mary brown, Perth
4 years ago

 
 
 
 
 
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this company are like loan sharks with there agents driving big4x4s donna henderson is a money grabber and if you dont pay her she bullies you into it

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day light robbery

Anonscot, Aberdeenshire
4 years ago

 
 
 
 
 
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This company is a rip off,for the little amount of money you get honestly folks it isn't worth it.Look at how much interest the make!
I got a small loan and had to pay back more than twice that,be very careful as if you miss a payment even for genuine reason's they will add even more interest so that that say £100 you borrowed becomes over 600 in a flash..I wish I had never done it, I wasn't even really needing it..

Honestly people,there are far better way's to get a loan than this company.

Avoid if you don't want serious debt.


anon scotland

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very good service

Joe, Shrewsbury
4 years ago

 
 
 
 
 
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Having recently moved here 8 months ago I was desperate to get a cooker.A friend suggested provident-best advice ever.Had £200 and got my cooker.Interest is peanuts compared to others.Thanx provident.

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very good company

Naz, London
4 years ago

 
 
 
 
 
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i have been with provident for over 3 years, my first loan was £500, but then i was offered a bigger amount and so on,
now i do not owe them anything but i will recommend provident because the agents are polite,nice and the money delivered fast

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no hassle no problem

Terry
4 years ago

 
 
 
 
 
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very pleased with provident,quick easy and no hassle you ask for the money and its with you within days,just what i wanted.no queastions asked.wonderful service cant fault it.

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Easy and good

Kierian, London
4 years ago

 
 
 
 
 
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I would just like to say, in my experience, how easy this was. I applied for a 500 pound loan with Provident Loans and within two day's the agent called and she came round with the cash. I signed a few forms and she will come around each week to collect payment. The thing is people seem to be put off by the APR they actually don't make that much off you and you have 2 choices how many weeks you want the loan over etc. If you have a A* credit rating I wouldn't bother with this, but for people like me who hasn't it's ideal. Once my first loan has been paid off I will continue to use them.

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BAD

Bartosz, Leicester
4 years ago

 
 
 
 
 
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This company carry out a legal form of daylight robbery. Some agents, in my experience, have taken money collected, and reported that the customer is not paying their account. With my account, I haven't received a payment booklet for over 18 months, and have only just found out that "Provident" haven't received my payments for 3 months, which money I HAVE paid the agent.

BE CAREFUL, AS THIS COMPANY MAY TAKE EVERY PENNY YOU HAVE AND LAUGH AT YOU! THAT'S PROBABLY THEIR IDEA OF SERVICE WITH A SMILE!

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Ok For my situation

Kierian, London
4 years ago

 
 
 
 
 
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I would think that it goes without saying that if you can get a loan from a high street lender then it would be better than paying providents high rate of interest!
However, I recently got into a bit of a pickle financially and having a bad credit rating I was unable to get a loan elsewhere. Provident has been great and the agent is very good. Yes the monthly payments are high but I can afford it as I work full time and it is getting us out of a tight spot.

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The agent wouldn't answer my calls

Sigita
4 years ago

 
 
 
 
 
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I was promised a loan of over £250 and was told the agent would bring me the money. When he didn't turn up I tried to contact him and it kept diverting my calls to answerphone. This cost me more money. I was really not very happy with this service!

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Cash in two days

Sabrina
4 years ago

 
 
 
 
 
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After finding Provident whilst searching for a bad credit loan, I decided to apply through their online application form. Within two days, I had an agent at my door with the cash. There were no long-winded forms and the agent was really helpful.

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£300 cash

Kieran, Liverpool
4 years ago

 
 
 
 
 
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I applied for a £300 loan and an agent called around to my home within two days. She was very helpful and took time with me. Once signing, I received my money a few days later. She comes every 4 weeks now and she collects payments when it is good for me.

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I would definitely suggest Provident

Philip, Swansea
4 years ago

 
 
 
 
 
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If you have a poor credit rating I suggest you visit these guys, they are the only place you will get a loan. Regardless of their APR, they really don't get that much money from you and the agents are reasonable people.

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Keep very close track of your payments

Michael, Kettering
4 years ago

 
 
 
 
 
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When I took out a loan with Provident, I was aware of the high interest rates but that wasn't the problem! I hadn't received a payment booklet for over 18 months and I have just found out that they “haven't received” my payments for 3 months, which is money that I HAVE paid the agent. Be careful.

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Provident helped me out in a bad time

James, Heywood
4 years ago

 
 
 
 
 
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I wasn't particularly keen on paying Providents' high interest rates but after getting into a bit of a pickle financially and getting a bad credit rating I was unable to get a loan elsewhere. They have been great and the agent is very good. The monthly payments are high but I can afford it because I work full time.

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Loan Details
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Loan Details

APR 272% - 1068.5%
Representative APR 399.7%
Interest Rate 97.5% Fixed
Loan Amount £100 - £1,000
Repayment Period Minimum Term 14 weeks Loans up to £1000 - 23, 31 or 52 weeks Pay off your loan either in 14 weeks, 23 weeks, 32 weeks or 52 weeks
Repayment Method An agent will collect the money from your home
Speed To Payout 2-3 working days
Arrangement Fee No Fee
Payment Holidays If you know you are going to struggle making a payment, you need to contact your agent who can work with you to find a solution
Payout Method Cash delivered to your home.
APR 272% - 1068.5%
Representative APR 399.7%
Interest Rate 97.5% Fixed
Loan Amount £100 - £1,000
Repayment Period Minimum Term 14 weeks Loans up to £1000 - 23, 31 or 52 weeks Pay off your loan either in 14 weeks, 23 weeks, 32 weeks or 52 weeks
Repayment Method An agent will collect the money from your home
Speed To Payout 2-3 working days
Arrangement Fee No Fee
Payment Holidays If you know you are going to struggle making a payment, you need to contact your agent who can work with you to find a solution
Payout Method Cash delivered to your home.
Representative Example
Representative Example: £200 loan repayable over 32 weeks: 32 weekly payments of £10.00: Rate of interest 97.5% p.a. fixed: Representative 399.7% APR: Total Amount Payable is £320. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

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About Provident
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About Provident

Provident is the largest doorstep lender on the market and subsequently cover most of the areas in the UK. This means that they deliver your money to your house and they pick up your repayments from your house. They offer loans from £100-£500 to customers. It doesn't matter what type of credit history you have, they will generally lend to you.

The application process is simple, apply online and get a provisional decision. They will contact you to meet your representative within 48 hours, who will come to your home to complete the application form. They may be able to give you the cash on that same visit. If not, they will return to your home a couple of days later after speaking with their manager and give you the money then. All meetings with your representative are carried out at your home.

The APR may seem high but they are still a popular choice with our customers due to the fact they help people regardless of their credit history. Like all doorstep lenders, it's really important you keep up with your repayments and try and pay the loan back as quickly as possible otherwise the interest charges will make the loan a lot more expensive. Make sure you keep your repayment book up to date as this is your proof of repayment.

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