Please be careful with Provident, your pay nearly 100% back. There is one other thing you all need to be careful about, If you need to take care of a loved one who has become ill and you go part time from work to care of then and your money is less per month, inform Provident (which would be the right thing to do) they will have to accept your offer under the circumstances. However over the time that you pay less to them the next six year will show on your credit report that you have had late payments on your account with Provident. This would over these year make it harder for you to get credit. my report now will show late payments for the next 6 years, this is because i had taken care of a loved one (my mum had dementia and also a stroke, provident was aware of this).