ProviGo

Visit the website: http://provident.pl/provigo and find out how to activate ProviGo

The application is currently available to customers who have concluded an agreement:
- loans with Customer Advisor service (regardless of the date of conclusion of the contract)
- online loans (after January 26, 2022)

The condition for activating the application is the absence of long-term repayment arrears.
The application is currently not available to customers who have only concluded a credit card agreement.
Customers who use both a loan and a card will find information only about cash loans in the application.

We are already working on adding functionalities related to credit cards.

The ProviGo application provides quick and convenient access to the most important information about your finances in Provident. There you will find a complete history of all your payments, a repayment schedule, information about the remaining amount and important documents. In addition, you will check the scope of your insurance and learn how to use it. Here you will also find current contact details for the Advisor and the Sales and Customer Relations Manager.

The regulations with the necessary details are available in the application and at https://provident.pl/provigo

The condition for granting a loan is a positive result of the consumer's creditworthiness assessment.

Representative example for the Provi Smart credit card:
Actual Annual Interest Rate (APR) is 170.02%, total loan amount PLN 3,500, total amount to be paid PLN 5,558.93, fixed interest rate 18.50%, total loan cost PLN 2,058.93 (including: fees monthly PLN 1,732.50, interest PLN 326.43), 10 monthly equal installments of PLN 505.36, last 11-month installment of PLN 505.33. The calculation was made as of October 5, 2023 on the representative example of the Provi Smart Credit Card. To calculate the above parameters, it was assumed that the credit limit under the Provi Smart Credit Card in the amount of PLN 3,500 was used in full at one time by making a transaction using a credit card on the day of concluding the Provi Smart credit card agreement.

A representative example for a Weekly Cash Match Loan:
Actual Annual Interest Rate (APR) is 61.96%, total loan amount (excluding credited costs) PLN 8,300, total amount to be paid PLN 12,296.46, fixed interest rate 18.00%, total loan cost PLN 3,996.46 ( including: commission PLN 665.52, preparation fee PLN 40, fee for a flexible repayment plan PLN 1,552.90, interest PLN 1,738.04), 89 equal weekly installments of PLN 136.63, last 90 weekly installment of PLN 136.39. The calculation was made as of September 7, 2023 on a representative example of a Matching Loan.

Representative example for a Matching Monthly Loan in Cash/Account:
Actual Annual Interest Rate (APR) is 59.62%, total loan amount (excluding credited costs) PLN 5,000, total amount to be paid PLN 7,094.16, fixed interest rate 18.00%, total loan cost PLN 2,094.16 ( including: commission PLN 361.65, preparation fee PLN 40, fee for a flexible repayment plan PLN 843.85, interest PLN 848.66), 18 equal monthly installments of PLN 394.12, Calculation was made as of September 7, 2023 on a representative example of a Matching Loan.;
The maximum APR for a Matched Weekly Loan is 192.74%. The maximum APR for a Matched Monthly Loan is 140.33%. The minimum and maximum loan agreement duration for the Matched Weekly Loan is 13 and 130 weeks.

The minimum and maximum duration of the loan agreement for the Matched Monthly Loan is 3 and 30 months. The number of possible installments depends on the selected total loan amount.