Provident Personal Credit Provident Loan (Cash)

Full product details for the Provident Personal Credit Provident Loan (Cash), including loan details, application criteria, rates, suitability, fee & charges, example costs, facilities, restrictions and incentives.
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Debt Consolidation

Provident Personal Credit Provident Loan (Cash) Features & Benefits

Representative ExampleThe representative APR is 272.2% (fixed) at a rate of 272.2% p.a. (fixed)
Loan TypeUnsecured 
Minimum Loan£50The minimum advance is £50.
Maximum Loan£500The maximum advance is £500.
Minimum Loan Term6 monthsThe minimum loan term is 6 months.
Maximum Loan Term13 monthsThe maximum loan term is 13 months.
Headline Representative APR272.2%272.2
Headline Representative Loan Amount£50 to £500 
Early Repayment Charge0 monthNo ERC
Deferred Start1 month1 months
Debt ConsolidationyesDebt consolidation allowed.
Express DeliverynoExpress delivery/transfer not available.
Credit RatingpoorMost suited to individuals who have a history of credit defaults, arrears, CCJs or missed payments. Loans designed for those with a poor credit rating tend to have a very low credit limit and are designed to be used for credit repair.
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Compare Provident Personal Credit Provident Loan (Cash) With These Loans

Bank of Scotland BOS Internet Loan (Existing Customers Only)

  • 1 yr minimum loan duration is available with this loan.
  • Maximum loan term of 7 years.
  • A minimum arrangement fee of £0 is available from Bank of Scotland.
  • You will get 1 mth deferred start.
  • Get £7,000 to £15,000 initial representative loan amount.
  • Representative Example: The representative APR is 13.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 13.4% p.a. (fixed) you will repay £251.33 per month & £12,063.84 in total.

First Direct Personal Loan

  • The loan gives a 1st payment due of 30 days.
  • Get a maximum loan of £25,000.
  • Customers take advantage of max arrangement fee of £0.
  • New customers get £7,000 to £15,000 initial representative loan amount from First Direct.
  • Applicants can enjoy 6.1 percent introductory representative APR.
  • Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.56 per month & £11,258.88 in total.

Halifax Internet Loan (Existing Customers)

  • The loan offers a deferred start of 1 mth.
  • £7,000 to £15,000 introductory representative loan amount is offered to you.
  • Enjoy 8.8% headline representative APR.
  • The loan gives an arrangement fee of 0%.
  • £0 minimum arrangement fee.
  • Representative Example: The representative APR is 18.6% (fixed) so if you borrow £10,000 over 4 years at a rate of 18.6% p.a. (fixed) you will repay £246.52 per month & £11,832.96 in total.

Nationwide Personal Loan (Existing Customers)

  • Take advantage of an arrangement fee of 0% from the Personal Loan (Existing Customers).
  • Get £25,000 max loan.
  • Customers get 30 days 1st payment due from Nationwide.
  • A 1 yr minimum loan duration is offered.
  • Representative Example: The representative APR is 6.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.3% p.a. (fixed) you will repay £235.42 per month & £11,300.16 in total.

Northern Bank Personal Loan

  • Enjoy an arrangement fee of £0 from this Personal Loan.
  • You take advantage of 9.4% initial representative APR from Northern Bank.
  • A 0 percent arrangement fee is offered.
  • Get £1,000 minimum loan from Northern Bank.
  • Representative Example: The representative APR is 9.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 9.9% p.a. (fixed) you will repay £248.93 per month & £11,948.64 in total.

Bank of Scotland BOS Loan (Semi-exclusive/Existing Customers)

  • A deferred start of 1 mth is available from Bank of Scotland.
  • This loan gives an arrangement fee of £0.
  • £7,000 to £15,000 promotional representative loan amount is offered to applicants.
  • Get a first payment due of 30 days.
  • £15,000 maximum loan is offered with the loan.
  • Customers have the benefit of 0% arrangement fee from Bank of Scotland.
  • Representative Example: The representative APR is 9.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 9.9% p.a. (fixed) you will repay £251.33 per month & £12,063.84 in total.

Oakam Bonus Loan

  • This loan has a deferred start of 1 month.
  • £2,501 to £3,000 promotional representative loan amount is offered to customers.
  • Get 6 months minimum loan duration.
  • Minimum loan of £200.
  • The Oakam Bonus Loan has a 76.9 percent headline representative APR.
  • Representative Example: The representative APR is 338.2% (fixed) so if you borrow £5,000 over 2 years at a rate of 338.2% p.a. (fixed) you will repay £691.12 per month & £16,586.88 in total. Arrangement fee £35,

Ulster Bank Ufirst (Small)

  • New customers get 9.4 percent introductory representative APR.
  • New customers enjoy 0 percent arrangement fee.
  • Get first payment due of 30 days.
  • £10,000 to £19,999 headline representative loan amount is offered.
  • Applicants get maximum loan of £6,999.
  • Representative Example: The representative APR is 12.6% (fixed) so if you borrow £5,000 over 2 years at a rate of 12.6% p.a. (fixed) you will repay £235.33 per month & £5,647.92 in total.