Provident and Greenwood provide small loans with affordable repayments that are collected every week from customers' homes by self-employed Agents. Agents receive commission based on how much they collect - so it's not in the Agent’s interest to lend more than customers can comfortably repay. Home collected credit also differs from a normal loan in that people's current ability to repay a loan is more important than their credit history. So it is possible for customers to get a home-collected loan even if they have a poor credit rating or County Court Judgements.