Why It Pays to Go to Provident

  • Instant cash up to $100,000
  • NO credit checks
  • NO installment payments
  • Lower interest rates and fees
  • Longer loan terms and grace periods
  • Reduce/redeem your loan at any time during the repayment period
  •  Free Cash Rewards:  Refer a Friend & First Loan Bonus 


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.

If you need cash fast, come to The Provident Loan Society. Since we opened our doors in 1894, New Yorkers have come to us as a welcome alternative to the high-interest rates and fees of traditional pawnshops.

As a not-for-profit lending organization, we provide secured/collateral loans for gold and diamond jewelry, gold coins, fine watches, and silverware, at interest rates comparable to those of many credit cards.


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. Here is our inclusive guide, on what you should ask before taking a collateral loan. Free to download: Questions to ask your pawnbroker.

If you have any additional questions or need more information, please, look at our FAQ, 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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