• Free loan appraisal
  • No credit check
  • No employment verification
  • No payments for 180 days
  • Lower interest rates & fees
  • Longer loan terms & grace periods
  • Reduce/redeem your loan at any time during the repayment period
  • Free Cash Rewards:  Refer a Friend & First Loan Bonus 
  • Abandoned collateral sold and after expenses, you keep excess proceeds
  • Five convenient locations in New York City


Consider the Difference:

Provident Loan New York State Pawnshop
Loan Period 6 months 4 months
Interest Rates 2.167% Monthly
(26% Annual Interest)
4% Monthly
(48% Annual Interest)
Interest Rate Charges By the exact number of days By the month
Additional Fees Lower Maximum
Grace Period Yes No

Our process is quite simple, too. Bring your collateral items to one of our five New York City offices. Tell us how much money you need (up to $100,000) and when you want to pay it back. We’ll then appraise your items onsite and give you the cash on-the-spot. It’s that easy! The process typically takes about 20 minutes to complete. Or apply online, it’s easy, secure & fast!

To get started on your collateral loan, click the button below to get a free appraisal, call us toll-free at 1-800-757-7296, or visit one of our five New York City locations. We also offer loans to all 50 states and US territories.

Get started now

For an estimation on loan fees and interest rates, you can use our loan calculator.

If it’s your first time taking out a collateral loan you might have questions: FAQ

If you have any additional questions or need more information, please visit one of Provident Loan Society New York Locations or call Provident Loan toll free at 1-800-757-7296.



America’s not-for-profit collateral lender since 1894.

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