Verdict
RRSO: SuperGrosz 45–68%, Provident online 29–45% (home service 45–70%). Provident's digital channel is significantly cheaper. But SuperGrosz accepts a lower BIK bar (320+ vs 350+ Provident).
Key difference: channel. SuperGrosz online only. Provident gives a choice — online or home service with weekly cash payments. Clients without a bank account or preferring in-person contact get an option SuperGrosz lacks.
Terms compared
| Product | SuperGrosz | Provident Polska |
|---|---|---|
| Online RRSO | 45–68% | ✓ 29–45% |
| Maximum instalment amount | ✓ 25 000 PLN | 15 000 PLN |
| Home service | no | ✓ yes (RRSO 45–70%) |
| Minimum BIK score | ✓ 320+ | 350+ |
| Mobile app | ✓ good | basic |
Fits for
SuperGrosz
- Clients with lower BIK score (320–350)
- Anyone valuing a good mobile app
- Clients needing a bigger amount (up to 25 000 PLN)
Provident Polska
- Clients valuing the classic home-service model
- Anyone without a bank account
- Clients hunting cheaper online instalment (29–45% vs 45–68%)
Frequently asked questions
Which is cheaper online?+
Provident: 29–45% RRSO vs SuperGrosz 45–68%. Provident 15–25 pp cheaper in the digital channel.
Which accepts a lower score?+
SuperGrosz (320+) vs Provident (350+). Lower-score clients find an option at SuperGrosz that Provident declines.