Remember – to receive a loan you must be an adult citizen of Poland, have a permanent place of residence and a permanent source of income (salary, retirement or disability pension).
What does Provident check?
All data on checks can be found in point 4 of the Information Form, which is attached to the loan application:
Provident performs customer checks in the following databases:
- Provident Polska SA internal data set
- Economic Information Office InfoMonitor SA (BIG)
- National Debt Register Biuro Informacji Gospodarczej SA (KRBIG)
- ERIF Biuro Informacji Gospodarczej SA (ERIF)
- National Bureau of Economic Information SA (KBIG)
- Biuro Informacji Kredytowej SA (BIK)
- Restricted Documents of the Polish Bank Association
- PESEL register
Read the article, from which you will learn how loan companies check your pesel and employment.
Provident how much you can get
Provident offers its clients loans ranging from PLN 300 to PLN 20,000.
Each loan in this company is divided into weekly or monthly installments.
In the first case, the loan period is from 30 to 104 weeks.
In the case of monthly installments – it is from 3 to 48 months.
The decision on the amount of money awarded and the repayment period is made individually for each client.
Remember that the final offer of the company depends on many factors (e.g. source and amount of your income, age, credit history) and may definitely differ from the amount you are applying for.
Provident – how it works
Provident is a leader on the non-bank loans market. For over 20 years of operation, it has gained the trust of 4 million customers. The value of Provident’s loan portfolio is currently estimated at PLN 1.7 billion.
Provident is primarily associated with cash loans at the client’s home, but currently the company has a much more diverse offer.
You can receive money from the company in two ways:
- cash loan
- self-service loan
In this case, the loan is granted at the client’s home. The undertaking may be spread into weekly or monthly installments.
Available number of weekly installments: 30, 45, 60, 75, 90, 104.
Available number of monthly installments: 3, 6, 12, 18, 24.
The company offers two ways to pay installments: directly to the customer’s advisor or by bank transfer to the specified bank account number.
The first way is for customers who, for various reasons, cannot (or do not want to) pay by bank transfer. In this case, the Customer Advisor will personally report the receipt of each installment. It is worth noting that in this case the client incurs additional fees related to the Advisor’s visits.
The second method allows you to repay the loan installments by using a transfer to a specified bank account. In this case, the Customer Advisor will not invade you at your place of residence. All installments are the same amount, so for convenience you can set a standing order.