Provident College Student Programs

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Provident Credit Union has a number of special products geared specifically towards the needs of college students. Click below for the type of account you (or your college age children) are interested in.

College Auto Loan 

Are you a college student in the market for a new car? We offer an auto loan program designed exclusively for you! This first-time auto program helps you to realize your dreams of vehicle ownership -- with little or no credit history, and no co-signer required. If you're at least 18 years of age, have little or no credit history (i.e. no FICO score), are employed, and are a student, then you're eligible to apply for our new College Auto Loan Program. There are no application or processing fees. This is an excellent way to establish and build credit when you are just starting out.

Our auto loans include the same low fixed rates on new and used vehicles. Financing on this loan of up to $15,000 is available, with terms up to 60 months (5 years).

Rates   Apply (College Auto Loan)

Provident College Visa 

Our College Visa Card is designed to help college students build credit for the future. It's perfect for buying books and supplies. And you may qualify with little or no credit history.

Rates   Apply (College Visa)

Smart Option Student Loan 

Get the money you need to help make higher education happen. Student loans for Provident by Sallie Mae®. For borrowers attending or borrowing for a student attending a degree-granting institution. Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, these flexible loans are designed to meet your needs:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty1
  • Multiple repayment options
Learn which loan is right for you

Undergraduate

Smart Option Student Loan® for Undergraduate Students Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school.

Graduate

Graduate School Loan Pay for expenses as you pursue your master’s and doctoral degrees.

MBA Loan Pay for your business school expenses as you pursue your Masters of Business Administration.

Medical School Loan Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine.

Dental School Loan Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics.

Health Professions Graduate Loan Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs.

Law School Loan Pay for your school and associated expenses as you study for your law degree.

Parents

Parent Loan Help your student by taking responsibility with a loan in your name.

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Provident is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: This information is for borrowers attending degree-granting institutions only. Smart Option Student Loan information is for undergraduate borrowers only. You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending degree-granting institutions only. The student is not eligible to be a borrower or cosigner and must be attending or have attended a participating school during an eligible prior enrollment period, or be enrolled in an eligible study abroad program. The borrower, cosigner and student must be U.S. citizens or permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower and cosigner (if applicable) would still be responsible for repaying that amount to Sallie Mae. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

©2018 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

Apply Now!

You can apply separately online for the College Auto Loan or the Provident College Visa. Get a credit decision within one business day! Apply for the Smart Option Student Loan through our Sallie Mae site.

To receive an application by mail, call (800) 632-4600 or send an e-mail to one of our friendly Member Support Representatives. Or visit any one of our Branches for personal service.