ProviGo

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

With the app, you can:

- manage Provident products

- assign and change the PIN/ePIN for your payment card

- block, unblock, and cancel your payment card

- view your insurance plans

- apply for an available Payment Break

- learn about the current product offerings

- quickly contact an Advisor and Manager

Detailed Terms and Conditions are available in the app and at https://provident.pl/provigo

A positive creditworthiness assessment is required for the loan.

Representative example for the Provi Smart credit card:

The Annual Percentage Rate (APR) is 56.01%, the total loan amount is PLN 4,500, the total amount payable is PLN 6,149.76, the fixed interest rate is 15%, the total cost of the loan is PLN 1,649.76 (including monthly fees of PLN 1,113.75, interest of PLN 536.01), and 12 repayments: 11 monthly decreasing repayments, with the first repayment being PLN 337.49, the eleventh repayment being PLN 315.96, and the final repayment due on the consumer credit agreement expiry date being PLN 2,551.42. The calculation was made as of December 4, 2025, using a representative example of the Provi Smart credit card. The above parameters were calculated based on the assumption that the Provi Smart credit card's credit limit of PLN 4,500 was fully utilized in a single transaction via a non-cash credit card. The interest-free period may vary depending on the number of days in the card's monthly billing cycle. Representative example for a weekly Matched Cash Loan:

The Annual Percentage Rate (APR) is 56.76%, total loan amount (excluding credited costs) is PLN 7,000, total amount payable is PLN 10,116.38, fixed interest rate is 15%, total loan cost is PLN 3,116.38 (including: commission of PLN 559.40, arrangement fee of PLN 40, flexible repayment plan fee of PLN 1,305.29, interest of PLN 1,211.69), 89 weekly equal installments of PLN 112.41, and the final 90th weekly installment of PLN 111.89. The calculation was made as of December 4, 2025, using a representative Matched Loan example.

Representative example for a monthly Matched Loan in Cash/on Account:

The Annual Percentage Rate (APR) is 55.00%, the total loan amount (excluding credited costs) is PLN 5,000, the total amount payable is PLN 6,948.36, the fixed interest rate is 15%, the total cost of the loan is PLN 1,948.36 (including: commission of PLN 361.65, arrangement fee of PLN 40, flexible repayment plan fee of PLN 843.85, and interest of PLN 702.86), and 18 equal monthly installments of PLN 386.02. The calculation was made as of December 4, 2025, using a representative example of a Matched Loan.

The maximum APR for a Weekly Matched loan is 183.83%. The maximum APR for a Monthly Matched loan is 133.76%. The minimum and maximum loan terms for a Weekly Matched loan are 13 and 130 weeks. The minimum and maximum loan terms for a Monthly Matched loan are 3 and 30 months. The number of possible installments depends on the total loan amount selected.