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A great history, an exciting future

We’re one of the UK’s leading suppliers of personal credit products to customers who might have trouble obtaining credit elsewhere. In fact, we’ve made life better for millions of people for over 138 years by looking after them where others might not. In a clear, honest and responsible way.

Whenever our 2.5 million customers need us, however they need us, we’re there. Our network covers Customer Experience Managers visiting customers’ homes throughout the UK, as well as c.140 branches, our websites and call centres – and a modern Head Office in Bradford, West Yorkshire. So, we’re ready to help all customers in the way that suits them best, whether that’s face-to-face, online or by phone.

Committed to making life better

Our heritage, understanding and proven performance all give us real confidence as we enter our next chapter. Our passion for making our business better goes hand-in-hand with our commitment to making life better for our customers – as their needs change, we change to meet them.

We’re an inspiring, enthusiastic, ambitious and dedicated team, making life better for our customers, for our business, and for each other. We’re going forward together, and we know where we’re going. There’s never been a more exciting time to be part of Provident Financial.

The Provident Story

Where we’ve been, where we are, and where we’re going

1880: Provident Clothing & Supply Co Ltd is founded in Bradford, West Yorkshire, by Joshua Kelley Waddilove. The mission is to help working-class families provide for themselves through the use of vouchers. These are exchanged for goods in local shops, and paid for in affordable instalments.

1920: Provident is now a nationwide business with over 9,000 Agents operating from Bradford Head Office.

1962: Company floats on the stock market under the name Provident Financial plc, followed by period of growth as new products are introduced to meet changing needs.

1990s:Home Credit Service is launched overseas, and now operates in many countries worldwide.

2003: Vanquis Bank starts trading, and is now a successful credit card provider to over 1 million customers in the UK. Vanquis Bank has now started taking retail deposits.

2007: Provident sells its motor insurance business, and de-merges its international business as a separately listed company. This frees us to focus on meeting the needs of non-standard credit customers in the UK and Republic of Ireland.

2010: Provident moves to a brand new, purpose-built office in the heart of Bradford.

2013: Provident launches an exciting new online product, Satsuma Loans. This allows loans to be paid straight into customers’ bank accounts.

And in the future?

We’ve got a clear and determined strategy for the future, with the leadership and direction we need to make it happen. We’re already entering into a more digital-minded relationship with our customers and we’re hugely excited about building on that. To make absolutely sure we make the most of the many superb opportunities available to us, we’re committed to finding, keeping and developing the very best people – people who will share our vision, bring us their talent and energy, and come with us as we grow.

Together we’ll continue to seek and develop new ways of making life better for millions of customers, and we’re delighted to be living through a time of great change and evolution for Provident.