Provident Financial Plc. provides personal credit products to the non-standard lending market. The company operates through two divisions: Consumer Credit and Vanquis Bank. The Consumer Credit division offers home credit loans, including short-term and unsecured loans. The Vanquis Bank division provides credit cards. Provident Financial operates in the United Kingdom and Ireland. The company was founded by Joshua Kelley Waddilove in 1880 and is headquartered in Bradford, United Kingdom.