About Vanquis

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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 provide a sensible way to stay in control of your money

Use your Vanquis Visa Card sensibly and you’ll be back on track in no time. Just keep up with your payments and stay within your limit. Your credit rating will be building as you go. And because we'll give you a sensible limit, it's easier to stay in control.

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. 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 now has over 400,000 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. A company founded in Bradford in 1880 by Joshua Kelley Waddilove, he devised a system to help local working class families to provide for themselves through the use of vouchers that could be exchanged 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

Cash loans up to £500 direct to your doorstep.

Credit Expert

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