About Vanquis

Vanquis Bank - helping people repair bad credit

  • We help people who have been turned down for credit elsewhere.
  • We provide a sensible way to stay in control of your money.
  • We offer a responsible and reliable financial service.
  • We are a UK based company.
  • We are part of the Provident Financial Group which was founded more than 130 years ago.

We help people who have been turned down for credit elsewhere

For many people the convenience of a credit card seems out of reach. It doesn't have to be that way. If you've been turned down elsewhere, don't despair. We'll look at what you can afford to pay back and help you take the first steps towards a brighter financial future.

We’ll help you manage your money and credit limit

As a responsible lender, Vanquis Bank will seek to provide you with a credit limit that reflects your needs and your ability to manage your account.  As a new customer, you'll start with an easy to manage credit limit between £150 and £1,000. You could get a credit limit increase on your 4th statement and further increases every 4 months, up to £3,000.

To be considered for a credit limit increase, you should make use of your credit limit without going overlimit and make your payments on time. By using your credit limit and keeping your account in order, you demonstrate to us that you can manage your account well and can handle the monthly repayments.

Please also keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order and don’t take on too much debt elsewhere. Please remember this is just a guide and meeting this criteria does not guarantee you a credit limit increase.

We offer a responsible and reliable financial service

We pride ourselves on being a responsible lender. We’re open about our pricing and products so you won't get any unpleasant surprises.

We are a UK based company

Vanquis Bank is a UK based credit card company. You can trace our roots back to Bradford nearly 130 years ago when our parent company Provident Financial was established. Vanquis Bank was formed in 2002 and has accepted over 1.8 million customers in the UK.

Our customers are the focus of what we do. Our call centre in Chatham, Kent, is dedicated to giving you all the support you need. That means you’ll be talking to someone who understands your situation, needs and who will work with you to help where they can.

We are part of the Provident Financial Group

Vanquis Bank is part of Provident Financial, a leading UK financial provider. The company was founded in Bradford in 1880 by Joshua Kelley Waddilove, who devised a system to help local families buy what they needed, when they needed it with vouchers that could be used in local shops. The families then paid back the vouchers in small affordable weekly instalments.

Since then Provident Financial has grown and grown, leading to the establishment of a home credit group in the 1990s and the formation of Vanquis Bank in 2002. Provident Financial is now a FTSE 250 company listed on the London Stock Exchange.

Useful links

Provident Financial Find out more about our parent company.

Provident Personal Credit Bad credit loans up to £500 direct to your doorstep.

Credit Expert Learn more about your credit rating with a free credit report.

Customer testimonials

We've already helped over 1.8 million people just like you get a fresh start. Read what a few of them have to say.

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Customer testimonials

Charity work

We like to do our bit to help make the world a better place. So we support some important community projects in the UK and Africa.

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Charity work

Build your credit with a Vanquis Bank Card

  • You'll start with an easy to manage credit limit between £150 and £1,000.
  • You could get a Credit Limit increase on your 4th statement. Conditions apply see below*
  • And further increases every 4 months, up to £3,000. Conditions apply see below*
  • A friendly UK Customer Service call centre.
  • Online and SMS Account Management.
Representative 39.9% APR (variable)

 

Card Fan More Info Apply Now

* To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase.

 

Important: Credit is subject to: status; telephone contact; confirmation of name and address; not already holding a credit card issued by Vanquis Bank; no reasonable suspicion of fraud, and is only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g.because of bankruptcy. Please read the Summary Box and Terms and Conditions for full financial details.

 

Vanquis Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. VAT number 180555952. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 221156), except for Credit Cards & Loans until 31st March 2014 where we are licensed by the Office of Fair Trading (Consumer Credit licence number 532364).

 

© Vanquis Bank Limited 2013