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0% Interest Loans!

New customers are getting 0% interest loans for up to 180 days*

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Why We Are Better Than a Pawnshop

In New York State, the highest interest rate allowed by law for a pawn shop is 4% per month. The Provident Loan keeps its rate at 2.16% per month.

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Frequently Asked Questions

What's our process? What are our rates? Find answers to these questions and more in one spot.

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Loan Calculator

We believe in transparency about loan terms and interest rates. Get a personal estimate today!

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EASY, FAST & SECURE

GET FREE APPRAISAL

Either fill out our online form or just visit one of our loan offices to get an estimate on the spot.

RECEIVE YOUR CASH

Accept our offer and receive cash instantly for your pledge collateral. You will receive a loan ticket.

REDEMPTION

Up to 4 or 6 months to pay your loan. Redeem at any time. Renew your loan if needed.

AMERICA'S NOT FOR PROFIT COLLATERAL LENDER SINCE 1894

Provident Loan Society continues to serve the people and small businesses throughout New York and across the country with short-term, collateral loans for gold, jewelry, fine watches, and silverware, at rates much lower than traditional pawnshops.

why we're better than a pawn shop

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, check our FAQ.
To get started on your collateral loan, click here 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.

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HELPING THE COMMUNITY FOR MORE THAN 125 YEARS

Our jewelry collateral loans in NY provide a fast, secure, and less expensive way to get the cash you need – instantly and with no credit check required!