Personal Loans

The Right Loan at the Right Time

Attractive rates and flexible terms. Provident can help you with personal loans to cover a variety of planned or unexpected expenses.060

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Fixed Rate Personal Loan

This fixed rate personal loan is a great way to pay for home improvements or unexpected expenses. Your interest rate is fixed for the entire loan term and no collateral is required. Terms are available for up to 48 months.


  • Low fixed rate of 9.990% APR for the life of the loan

  • Loan amounts up to $35,000

  • Terms up to 48 months065

Solar Advantage Loan

This fixed loan rate is for financing the purchase and installation of solar power for your home.062 Homeowners who go solar receive tax credit, add value to their home, and save money in the long run.


New Teacher Loan

This fixed rate loan is available to new teachers and school personnel that have recently transferred to a new school system. Qualified members will receive an affordable loan that can be used for situations ranging from debt consolidation to major purchases or other unexpected expenses. The loan can also be used to help establish or build credit history.


  • Low monthly payments
  • Loan amounts up to $3,000
  • Terms up to 36 months 

Smart Option Student Loan

Get the money you need to help make higher education happen. Whether you’re an undergraduate student, graduate student or parent helping a student pay for school, these flexible loans068 are designed to meet your needs. The Smart Option Student Loan is offered through Sallie Mae. 


  • Competitive variable and fixed interest rates

  • No origination fee or prepayment penalty069

  • Multiple repayment options

Certificate Secured Loan

This loan is fully secured by funds from your Term Share Certificate account and can be used to establish or re-establish credit. No monthly payments are required, and the loan is paid off when the certificate securing it matures.


  • Very attractive rates067
  • No monthly payments required
  • Borrow up to 80% of the amount available in your Term Share Certificate
  • Loan terms mirror the maturity date of the Term Share Certificate

Savings Secured Loan

This loan is fully secured by funds from your Savings account and can be used to establish or re-establish credit.


  • Rates more competitive than for an unsecured loan
  • Borrow up to 100% of the amount available in your Savings account
  • Terms up to 48 months066

Emergency Loan

Existing Provident members as of March 16, 2020 may be eligible for an Emergency Loan to those who are directly impacted by the coronavirus. For more information on our Emergency Loan please contact our Consumer Lending department at (800) 632-4600 ext. 2704.


  • Loan amount up to $10,000, depending on your monthly gross income, whichever is less

  • Low fixed rate of 5.00% APR

  • 60-day deferment of first payment

  • Flexible terms up to 24 months

  • Funds deposited into your Provident Savings or Checking accounts

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