Excellent. Clear and concise explanations of the terms and conditions and criteria eligibility. The process of issue of payment and the importance of the conditions of repayment and its benefits and negatives. Including credit ratings and scores with both Provident and my personal external credit scoring and the impacting effects of its positives and negatives for further credit services. My loan officer was/ is very approachable, polite, curtious, clear spoken, thorough in his explanation of his duties as my point of contact and issuing officer, consistent in reminding me of need to be a responsible lender and highlighting my opt out option throughout.