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

UK map highlighting Bradford, Chatham and London Vanquis offices

Our History

Find out more about the history of Vanquis Bank

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Customer Testimonials

Everything we do at Vanquis revolves around our customers so taking the time to listen to what they think is vital to us. We've compiled some of the feedback here.

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Take a look at what our staff say about working for Vanquis Bank

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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 these criteria does not guarantee you a credit limit increase. Missing payments could have severe consequence and make obtaining credit more difficult.

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 2.5 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 and 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.

Our 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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Build your credit with a Vanquis Credit Card

  • Manageable starting Credit Limit of between £150 and £1,000^.
  • You could get Credit Limit increases every 4 months up to £3,000*^.
  • Exclusively UK based Customer Service.
  • Online account servicing & SMS alerts.

Representative 39.9% APR (variable)

World Vanquis credit card with slant mirror effect