Get Cash Smart with Prograd's Borrowing Solutions

Understanding your borrowing options can be tricky, confusing, and downright overwhelming. At Prograd, we've made it our mission to cut through the clutter and provide a clear, concise guide to all your borrowing needs. Whether you're considering credit cards, personal loans, or buy now pay later options, we're here to assist you every step of the way.

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Understand Your Options

At Prograd, we believe in transparency and education. We don't just offer a range of credit products; we take the time to explain each one, giving you the information you need to make the best decision possible. We'll talk you through the intricacies of credit cards, from APRs to rewards programs, and guide you through the world of personal loans, explaining things like secured versus unsecured loans, interest rates, and repayment periods.

If you're interested in buy now pay later schemes, we're here to help with that too. We'll explain the potential pitfalls, like interest charges if you don't repay within the agreed period, and benefits, such as flexibility in payment schedules

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We Went Through The Pain So You Don't Have To

During uni our co-founders ended up taking a 49% APR (49!!!!) loan to cover the cost of their tuition fees during their masters.

They have been through getting their credit score hurt, not understanding the fees and requirements of a loan and getting our wallet hurt in the process. Our promise is that we will never push you to credit. If you ever need it though, we will do everything in our power to ensure you get a line of credit that you can afford.

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Affordability Comes First

Our approach to borrowing is unlike any other. We're not here to get you into a debt cycle, and we won't offer you credit products that you can't afford. We believe in responsible borrowing and we want you to too.

When you provide us with some basic information, we can unlock our Prograd Credit section, packed with resources and tools. We'll help you find the most affordable and suitable credit products for your needs. Whether you're making a major purchase, covering unexpected expenses, or simply want to improve your financial flexibility.

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A Personal Approach

At Prograd, we don't believe in a one-size-fits-all approach to borrowing. We recognise that everyone's needs and circumstances are different, and so should their credit products be. We'll work with you to understand your situation and match you with the right products. Our goal is to support you in your financial journey, ensuring that you understand the commitments you're taking on and can manage them comfortably.

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A World of Choice

In today's busy world, it's easy to feel overwhelmed by choice. At Prograd, we're here to simplify. We bring together a range of credit products from trusted lenders, giving you the convenience of comparison and choice in one place.

Our role is to guide you, not to pressure you, ensuring that you're confident and comfortable in your borrowing decisions.

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Your Partner in Responsible Borrowing


Here at Prograd, we're not a provider; we're a partner. We don't lend but only help you find the right match for you. We're committed to being by your side, guiding you through the world of borrowing. We're here to help you avoid unnecessary credit. But if you really need it, we'll help you find the most affordable options. Your financial well-being is our top priority, and we're here to help you make smart, responsible borrowing decisions.

Welcome to Prograd, your partner in responsible borrowing. Let's start your journey towards financial independence together.

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