Verdict
Wonga: online payday and instalment loans up to 15 000 PLN, RRSO 55–75% on instalments. Provident: instalment loans up to 15 000 PLN online (RRSO 29–45%) or home-service (RRSO 45–70%). Provident is cheaper in the online channel.
Key difference: service channel. Provident offers a unique home service — an adviser brings the contract and cash to the client. Clients without a bank account or preferring in-person contact get an option Wonga lacks.
Terms compared
| Product | Wonga | Provident Polska |
|---|---|---|
| First payday | ✓ up to 3 000 PLN, 0% RRSO | none (instalment only) |
| Instalment loan | up to 15 000 PLN, RRSO 55–75% | ✓ up to 15 000 PLN online RRSO 29–45% |
| Home service | no | ✓ yes, RRSO 45–70% |
| Mobile app | ✓ good (Best Payday App) | basic |
| Bank account required | yes | ✓ no (home service) |
Fits for
Wonga
- Clients needing a payday (Provident does not offer one)
- Digital clients valuing the mobile app
- Anyone with an active bank account and an urgent need
Provident Polska
- Clients valuing the classic model — home visit, cash, weekly instalments
- Anyone without a bank account
- Clients hunting a cheaper instalment loan (RRSO 29–45%)
Frequently asked questions
Does Provident offer payday loans?+
Not in the classic 30-day 0% RRSO sense. Provident focuses on instalment loans, though the minimum amount (500 PLN) and short term (6 months) make the first instalment look close to a payday.
Which is cheaper on an instalment loan?+
Provident online: 29–45% RRSO. Wonga: 55–75%. Provident wins clearly in the digital channel.