Provident Financial Plc provides tailored credit products to the non-standard borrowers in the United Kingdom and Ireland. The company operates through following segments: Vanquis Bank, Consumer Credit Division, Moneybarn and Central. Vanquis Bank segment issues credit cards to people often excluded by mainstream card issuers, allowing them to participate more fully in the modern world. The Consumer Credit division segment offers home credit loans, typically of a few hundred pounds, through a network of local agents. The Moneybarn segment includes non-standard car finance. The Central segment includes other central companies. It also provides competitive retail deposit accounts for savers. Provident Financial was founded by Joshua Kelley Waddilove in 1880 and is headquartered in Bradford, United Kingdom.