Category Archives: Loan

Promotional offers for loans – is it worth using them?

Nowadays, you often come across promotional loans offered by the bank. While these offers often have significantly lower interest rates and the commission on them is minimal or even zero, sometimes they do not meet the expectations of customers. Sometimes loans of this type are granted only for a year or a maximum of 18 months, and thus, the monthly installment is not considered low.

If someone can afford to pay a slightly higher installment

If someone can afford to pay a slightly higher installment

It will definitely be a very good way for him to buy his dream presents or to implement a holiday. For sure, however, when someone needs cash at that time, it is worth to get acquainted with them.

For example, some banks allow you to conclude a loan agreement for a longer period of time, but then the customer has to take into account the slightly higher interest rate than offered in the promotion.

However, it may very often turn out that this offer will be much better than other, permanently included in the offers of banks addressed to clients. Therefore, it is definitely worth to be interested in them even when these conditions advertised by the bank do not always correspond first. You can find a very good cash loan ranking at this address.

What else do banks offer?

What else do banks offer?

In addition to the fact that banks offer very interesting loans, customers can take advantage of many additional options. Proposing other interesting conditions to clients is one of the options to convince them. Currently, so-called credit holidays are quite popular. It is possible for the customer to postpone repayment of installments for a specified period of time without any consequences.

The bank does not charge interest, and there is no information about it in registers such as BIK. However, the contract usually includes conditions under which this can be done, often it is only possible if the installments are paid regularly or after informing the bank.

However, it is certainly a good option for many people, sometimes temporary financial problems can happen. In order to convince clients to regularly pay their liabilities, banks often organize actions such as, for example, the return of part of the interest paid by the client with regular payment of installments. This is definitely a good way for customers to pay their debts.

Loan without Easy ID

Loans without Easy ID have become much harder than they used to be. When the start of the introduction of Easy ID in 2010, it became possible to apply for loans with Easy ID, and a few years later many loan companies no longer offer loans without the use of Easy ID. The list below is all providers that offer loans without Easy ID.

We advise you to apply for 3 loans and then compare which provider offers the cheapest loan. Of course, it is always easiest to take out loans with Easy ID, but it is possible to get a loan without a Easy ID. You just need to be aware that it takes longer to get a loan without, as you usually have to send mail with ID such as passport or driver’s license. Because the loan provider does not have access to check your personal information. See loans with Easy ID here.

Borrowing without Easy ID

Is not always easy and we can only recommend that you go in and order a Easy ID. You can order your Easy ID right here and read about how the whole Easy ID process works. However, we have compiled a list of loan providers that do not require it.

Look at the different loan providers and choose your loan without a Easy ID. We may not want to discourage loans without Easy ID, but there are more disadvantages than benefits of loans without Easy ID. A fast loan without Easy ID is impossible, and since we know that fast loans without collateral are the customers’ best loans, you are deprived of that opportunity by not using Easy ID. When applying for a loan without Easy ID, the loan provider will require that you otherwise confirm your identity. It can be done in different ways. It may be a copy of passport or driver’s license.

SMS loans without Easy ID

SMS loans without Easy ID

SMS loans without Easy ID are not, as I said, not impossible, but it makes the whole application process more difficult. If you do not have access to Easy ID, it is still an option to get a sms loan. We have compiled a list of loan offers from providers that offer sms loans without having to use Easy ID. You must look through it carefully and choose the loan provider that suits you best.

Even if you are looking for small loans without Easy ID such as SMS loan 1000 or SMS loan 5000, it will take a few days before you receive the money. However, please be aware that it may take up to a few days for you to have the money in your account as the entire application process is no longer 100 percent automatic.

SMS loans, which some lenders call mobile loans, have been popular loans since they appeared. An SMS loan is often a small loan. So if you are looking for small loans or mini loans, then it may be easier to get a loan without Easy ID. Loan 500 and loan 1000 will be some of the smallest minimum loans you can apply for.

Borrow money without Easy ID

Borrow money without Easy ID

Borrowing money without Easy ID is not easy right away. Loans Without Your Easy ID There are no longer many loan providers offering. Loans without using Easy ID make the entire loan process slow and not so secure. Borrowing without Easy ID means a slow process because when you apply for a loan without one’s Easy ID, the loan provider will not automatically be able to credit you.

There are many people who borrow money online because they find that the loan options in the banks are unsatisfactory and too bureaucratic. A report on quick loans, which you can read here, you can see that many consumers have not even considered going to the bank to apply for a loan.

Many people are looking for small loans like loan 5000, which means they have the opportunity to assess whether they can pay back on time. Loans without Easy ID mean that documents may need to be sent back and forth physically. Loans without Easy ID may be able to send the papers electronically.

You can safely say that Easy ID is actually a very secure way of sending confidential and sensitive messages. There are rare mistakes that will delay or prevent a loan loss. Loan with Easy ID means that the money with 100% security will be deposited into your account associated with your Easy ID. Everything is both easier and faster when using Easy ID.

Lending without Easy ID

Lending without Easy ID

Lending without Easy ID can be done. But why would you want to apply for a loan without using your Easy ID? There can be some sensible explanations for that. There are some people who do not use Easy ID. It may be that they do not trust the system or may be exempt from receiving electronic mail. If you do not have your key card. You may have misplaced it and cannot find it. It may be that you did not receive your new key card and therefore do not have the option to apply for a loan unless you apply for a loan without a Easy ID.

Does it matter to the price of the loan that you apply for a loan without your Easy ID? It shouldn’t do that, but to find out you need to compare some loan offers. You must apply for loans of the same amount and maturity.

The Right Steps to Find Loans Online

Today, there are many banks that offer loans online without a credit card and without collateral. The economy continues to change even though needs continue to increase. This condition certainly makes many people difficult. Looking for a loan of money is one of the most popular alternatives, especially when they have urgent and emergency needs.

However, can you get a fast cash loan without a credit card? The answer is “Yes”. Besides banks, there are also financial institutions that offer similar services. Even without a credit card or without collateral, there are still terms and conditions that must be fulfilled by prospective debtors. The existence of these requirements is not to complicate prospective debtors but is intended to ensure the ability to repay loans.

For completeness of administrative documents, prospective debtors must prepare a valid identity card and salary slip. Because using the online system, the loan applicant or prospective debtor does not need to come to the bank concerned. All verification and approval processes will be notified online and the results can be known by the debtor immediately. Administration fees and loan interest rates will be calculated based on the tenor or loan term. If a problem occurs later, the payment will be rescheduled.

The process of applying for a loan without collateral with this online system is very easy. Nevertheless, banks or lenders still provide conditions that must be fulfilled by prospective debtors. Here are some mandatory requirements that must be fulfilled by prospective debtors to be able to get cash loans online:

Indonesian citizen

Indonesian citizen

This loan product is only intended for people who are Indonesian citizens. To prove this, the debtor candidate must include a valid Resident Card or Sim.



To be able to apply for cash loans online, the age of the prospective debtor is at least 21 years to 60 years. However, most lending institutions will reconsider if the applicant’s age is 60 years because they are considered at risk.


Each online lending service provider has different policies related to the monthly income value of the prospective debtor. The policy is determined by the company’s internal policies and the economic conditions in the area where the institution operates. Here, the minimum wage or regional minimum wage is used as a reference. If the prospective debtor’s income is above the minimum wage, it is probable that the loan application will be approved. conversely, if the fixed income per month is below the minimum wage, it is possible that the loan application will be rejected because it is assumed that the prospective debtor has difficulty meeting basic needs.

Loan Limit

Loan Limit

Most online loans are short term, ranging from 15 to 30 days. The loan limit itself is not large, especially when compared to other loan products. Loan interest charged to debtors is around 1% per day so that in 30 days the debtor must bear 30% interest. Delay in installment payments will also be subject to a penalty. In fact, if the creditor sends the debt collector to the debtor’s house, the debtor is also charged a collection fee that varies between 5 to 10% of the loan value.

Salary slip

Salary slip

This loan product is more suitable for employees who have a fixed salary, but not as a credit card holder and do not have assets to be used as collateral. However, employees who apply for this loan are also required to attach a certificate from their place of work.

To apply for a loan online is quite easy because it does not need to come directly to the financial institution concerned. The following is the loan application process online:

  • Visit the website of the desired financial institution
  • Select the loan amount to be proposed and the loan term
  • If the application is approved, the creditor will contact by telephone or email so that the prospective debtor completes the required documents
  • The debtor will then be sent a sample agreement letter by email to be studied by the debtor.
  • The original agreement will be sent by post to be signed by the prospective debtor
  • After being returned, the creditor will check the debtor’s data. If it meets the requirements, the money will be immediately sent to the debtor’s account.

Find Cheap Loans for Christmas and Ski Holidays Online

Christmas is an expensive time filled with costs for Christmas breakfasts, gifts, fun and if the family is going on holiday. There are many Danish families who choose to go on Christmas or ski holidays during December.

We take a closer look at your options for making Christmas loans in 2019. The loan market is a large and dynamic size that is constantly changing. Already since 2013, several new providers have entered the market.

Get a thorough insight into Good Finance’s options, so you’ll be well prepared to borrow money for Christmas, skiing or winter holidays online.

Loans for Christmas and ski holidays

Loans for Christmas and ski holidays

Apply from $ 1,000 to $ 400,000 online

When you need to make a Christmas loan, it can be for many purposes. It can be as loans for Christmas gifts, events, ski holidays or Christmas in general.

The clear advantage of applying for loans online is that the companies do not interfere with the purpose. You don’t have to “defend” what you need the money for. In many ways, it is easier and faster to get approved online, compared to the bank.

Your loan options range from USD 1,000 to 400,000 through providers such as Bank Good Credit and E-Money Bank, which are currently offering the highest amounts. But who offers what and what requirements do they have?

This preparation has been done by Good Finance. for you. We have created an overview of the best and most modern providers. Note that your purpose does not have a major impact on your options. Most people don’t ask for it at all.

Need money for the family ski vacation?

Need money for the family ski vacation?

Do you urgently need money for family skiing? In many Danish families, it is a tradition to leave every year, but money is not always enough. If you need a smaller loan, you will have good opportunities to make it online.

All you have to do is apply for a ski vacation loan from various providers and you will typically get a response within 24 hours.

So you can quickly get more loan offers if you otherwise have a reasonable income. Several providers will even require you to be at least 20 years old. The price of a ski holiday varies greatly depending on whether you are a couple or a family who is going away.

The destination is similarly important. A ski holiday in Val Thorens, France, will be significantly more expensive than a trip to Trysil in Norway.

In other words, a ski holiday can cost anywhere from 8,000 to 20,000 dollars person, depending on the number of days.

Therefore, before borrowing money for skiing holidays, you should have considered the following:

  • Where are you going and what are the prices?
  • Is it an adult or family trip?
  • In case of large money demand – could there be cheaper alternatives?

Particularly point 3 is crucial if you have had trouble approving a loan application so far. For with a cheaper destination, your borrowing requirements will be less and the chance of approval greater.

The trend is quite clear


When you look at the many ski resorts in Europe. Norway is for small and large families, or for untrained skiers. Here the slopes are typically shorter and less steep.

If you go to France, Italy or Austria, the slopes will be significantly longer and the difficulty level is generally higher. At the same time, ski areas are more appealing to adult or youth trips. Not for families with children.

Our recommendations for the skiing

  • Families with children and untrained skiers: Norway
  • Youth tours, trained skiers, adult group: France, Italy and Austria.

By extension, it should be mentioned that Norway is generally significantly cheaper. If you first take to southern skies with snow, the price will be significantly higher.

How to pay for investment loan facilities

Investment credit or investment loan is a credit product provided by banking institutions with the aim of helping investors or business owners finance the construction of new projects or fund the expansion of existing projects. Most investment loans are used to finance the procurement of buildings, machinery, land, equipment, office inventory, infrastructure and initial working capital.

Investment loan

Investment loan

Investment loans are different from short-term corporate loans as well as working capital loans, which are mostly used to finance the increasing needs of companies or businesses, especially in terms of inventory and trade receivables. Investment credit or investment loan is often also referred to as a project funding facility or project financingng facility because it is the main target is to help fund projects that require very large funds.

However, funds issued by banks in the form of investment loans are not entirely in accordance with financing needs but only in part. In this case, the main source of financing must still come from the business owner himself or equity financing, investors or shareholder loans. In most cases, investment loans get the largest percentage of the total cost of development or projects, it can be 60 or even up to 80 percent of the total costs needed.

Different from other types of credit, investment loans are given in tenures or relatively long periods of time. Some banks even offer tenors of up to 15 years. The tenor is adjusted to the purpose of using the funds, which is to help finance the procurement of the company’s fixed assets which will generally be used for a relatively long period of time.

Another important thing to understand is that most banks offering investment credit products provide a grace period for repayment of loans obtained by debtors. The grace period is generally adjusted to the period needed by the debtor to complete the project and carry out a trial period. During the construction period, banks often also provide a grace period of interest payments that can be used by the debtor.

Payment of investment loans

It is generally done in installments or installments. Installments begin when the installment payment period ends. For installment payment schedules can vary – each bank, there are those that apply a monthly, quarterly, semester system and some even use the annual method.

For the amount of funds needed by each debtor in general varies, depending on the business sector they work at. For example, the amount of funds needed by a company engaged in mining will certainly be far greater when compared to the needs of companies engaged in the handicraft industry.

Investment credit facility

Investment credit

In the investment loan product there is also an investment credit facility commonly referred to as a Long Term Acceptance or Term Loan which is a credit facility provided to debtors who take credit for more than 1 year. In this facility, debtors are allowed to withdraw funds simultaneously or gradually depending on the agreements made previously with the creditor. According the payment can be done in installments or gradually.

The following are the types of Term Loan facilities based on the method of repayment or payment:

  • Term Loan or TL

Ie, an investment credit facility where the payment is done in stages or in installments or installments

  • Term Loan Grace Period (TLG)

That is a facility in investment credit where the method of payment only covers credit interest because the principal and interest begin at the end of the Grace Period.

  • Home Term Loan (TLP)

That is a facility in an investment credit where the payment is done in stages or in installments with the same principal amount every month and interest payments follow the outstanding.

It must be understood that the greater the number of loans obtained from investment loan products, the risk that must be borne will also be even greater, especially considering the credit tenure is fairly long. Even so, if it turns out that the assisted project is running well and produces good profits, then this credit product can be one source of income that is very beneficial to banking institutions. That is because the interest earned from investment loans will be obtained in the long term according to the tenor loan taken by the debtor.

Bank of Canada Announces Interest Rate

The Bank of Canada has once again decided to leave the key rate unchanged. The central bank keeps this rate, also called the target for the overnight rate, to 1% since September 2010.

Mark Carney said he would like to raise the interest rate soon

Mark Carney said he would like to raise the interest rate soon

In an effort to deter Canadians from getting into more debt. Ultra-low mortgage interest rates artificially inflate long-term affordability and encourage consumers to borrow money. Unfortunately, the debt of Canadian households has reached a record level of 163% of the debt-income ratio . The Bank of Canada has described this situation as a threat to the national economy.

“In Canada, while global turbulence continues to constrain economic activity, internal factors support moderate expansion. Following the recent period of below-potential growth, the economy is expected to recover and return to full capacity by the end of 2013, “the Bank of Canada said in a statement.

The central bank estimates household indebtedness will continue to grow

money cash

“The housing market is expected to fall from its historically high level, while the household debt burden is expected to increase further before stabilizing at the end of the period. projection. ” The appraisal report also contains information about the basis on which a given person prepares the valuation and the basis on which it performs it, which sources it uses to describe the property. This is particularly important because the survey contains a detailed description of the property, its physical and legal status, and how it is used.

Lenders use the key interest rate to set their preferential interest rates. For example, if the key interest rate increased by 0.25%, lenders would increase their prime rate. Fortunately for variable rate mortgage holders, the key interest rate remained at 1.00%, leaving their mortgage rates safe and sound. At the moment, the best 5-year variable rate available on Roy Hobbs at a discount of – 0.45% or 2.55% on the key rate.

Loans to Bad Payers

Loans to bad payers are loans granted to those who have been registered in the credit bureau register as a bad payer, hence the name of this particular financing solution. We will deal in depth with everything related to this form of loan, from those who can request it as long as there are alternatives.

Who are the bad payers?

The definition of bad payers refers to those who have been reported as such and have been entered in the special bad pay register, kept by credit bureau. In short, astro is the computer system where there are the names of all those who have applied for funding (both bad payers and non-payers) and where the credit history of a person can be seen (consequently being registered with bureau is not synonymous with being a bad payer), while credit bureau is a company with various offices around the world, which holds the aforementioned astro register.

To become a bad payer it is theoretically sufficient not to pay even one installment of a loan or loan on time. No matter the reason, the sufficient condition is the non-payment of the installment. In practice it often happens that if you skip the payment of an installment, the finance company tries to collect it in the following month. If it succeeds, there are usually no consequences, otherwise you could be reported as a bad payer. For more information, contact your bank.

Loans for bad payers

Loans for bad payers

What are the loans granted to bad payers? We can basically see three types of financing:

  • employee loans
  • proxy loans
  • changed loans
  • pawnbrokers

These loans are granted to bad payers because they have excellent guarantees for the financial company. The assignment of the fifth and the proxy loans present the guarantee of the salary (better if you have an open-ended employment contract), while the promised loan (also known as a loan with promissory notes) has the guarantee of signing promissory notes, which are securities executive and, as such, are easily “convertible” into cash in the event of non-repayment of the installments.

In our list, the first solution can be requested by employees or pensioners, the second by employees and the last also by self-employed workers.

Employee loans

The classic loan to bad payers is the assignment of the fifth, be it salary or pension. The guarantee, as mentioned, is the presence of a salary and TFR (Employee severance indemnity ). The fact that the installment is paid directly by the employer (on behalf of his employee) into the coffers of the financial company leads to greater tranquility on the part of the latter.

This type of loan is characterized, in fact, by the installment which is repaid with a deduction paid by the employer or pension institution to the financial company or bank.

Does the employer have to accept the assignment of the fifth?

The answer is “no”, in the sense that an employer has no power to decide whether a transfer of the fifth can be granted or not. The final choice is entirely up to the bank or finance company. However, he has a legal obligation to pay the installments in place of his employee. As we will see below, an employer has the option of accepting or not a proxy loan, or double fifth.

What is the maximum amount of the installment for the assignment of the fifth?

The monthly installment that can be repaid goes up to 1/5 of the net salary or pension.

Assignment of the fifth of the salary

For employees , both in the private and public sector, the transfer of one fifth of the salary is the ideal solution as loans to bad payers. Both those who have a fixed-term employment contract and those who have a permanent contract can apply.

Transfer of the fifth of the pension

Retirees can instead apply for the assignment of one fifth of the pension. This solution is practically similar to that of the salary assignment, with the difference that the monthly installment is retained on the amount of the net pension and not the salary. In addition, the minimum pension must also be taken into account in the calculation.

Who can request them?

  • public, ministerial and private sector employees
  • employees with fixed-term contracts
  • retired with retirement pension

If you belong to one of these categories, ask for a quote for the transfer of the fifth of the salary.

Delegate loans, or double fifth

Delegation loans , also known as double fifths, are another of the bad payer loan solutions. As you can guess by reading the name, these loans allow you to pay a maximum monthly installment double that of the assignment of the fifth (therefore up to 2/5, that’s why they are also called double fifth loans). They can usually be requested by permanent employees, due to the greater stability of the workplace. These loans must, by law, also be accepted by the employer. On the contrary, the employer cannot accept or not a simple assignment of the fifth, for which the final decision is always of the bank.

Who can request them?

  • public, ministerial and private sector employees

If you belong to one of these categories, ask for a proxy loan or double fifth.

Loans changed

Loans with promissory notes , also known as promissory notes, are another classic form of loan for bad payers. The basic prerequisite, in this case, is the signing of bills of exchange, or of the executive securities with which the financial company can easily repossess any sums not reimbursed by the customer.

The advantage of this form of financing is linked almost exclusively to the fact that even bad payers without particular guarantees or self-employed bad payers can have access to credit. Keep in mind that this should be the last resort for bad payers, as interest rates are usually higher.

Here are some of the companies that provide changed loans in Italy:

  • Loans with bills Mas
  • Loans with Teoremafin bills
  • Loans with Prestimarket bills

Who can request them?

  • employees
  • retirees
  • self-employed

Pawn loans

Pledged loans are the latest form of financing for bad payers. They are characterized by the fact that it is necessary to provide an object in pledge in order to have the corresponding cash value in exchange. The advantage of this form of loan is that virtually no other collateral is required, given that a valuable asset is provided as a counterparty. Among others, gold, silver and diamonds are usually accepted.

Who can request them?

  • employees
  • retirees
  • self-employed

Loans online

Loans online

Online loans are one of the ways in which you can apply for loans for bad payers. In practice, these are financing solutions that can be requested directly via the internet, 24 hours a day and comfortably at home. The benefits also include lower interest rates compared to personal loans requested “off line”, since online companies have less costs to cope with and that the paperwork required for online financing is usually lower and everything is leaner and faster. It is no coincidence that online loans are also called fast loans.

Loan and Credit and the Stock Exchange – differences in trading stocks and currencies

If you want money to earn for you, investing is a sensible idea. Normal savings accounts earn less than one percent interest, while investments generate an average of eight to 10 percent. Two of the most popular investment paths are shares and Loan and Credit.

Most people understand investing in shares


Basically you buy a small stake in the company. As the company is doing well, the stock price is rising. When a company performs particularly well, some shares pay dividends. Shares are a popular part of most investment projects such as funds or individual retirement accounts. There are many online transaction services that will facilitate your trading. You can also use investment funds that handle transactions for you.

Loan and Credit means currency exchange. As the name implies (foreign exchange), it deals with the international market. However, trading on the currency market only focuses on one thing: currencies. If you’ve ever gone abroad and exchanged PLN to your local currency, you’ve made a transaction on the Loan and Credit market.

The difference is simply in scale. The Loan and Credit market generally revolves around eight major currency pairs including the Euro, US Dollar, Yen, British Pound, Australian Dollar, Swiss Franc, Canadian Dollar, Australian New Zealand Dollar and South African Rand.

Advantages and disadvantages of trading on the currency market

Advantages and disadvantages of trading on the currency market

Foreign exchange can last almost 24 hours a day from Monday to Friday. The Loan and Credit market is not related to the geographical area, so even when one stock market closes another opens. This gives you the opportunity to trade around the clock throughout the week. However, not all trading hours are optimal. Just because the market is open does not mean it is active. To earn money you must trade in an active market. The best trading periods occur when the markets that relate to the currency you trade overlap.

This is a volatile market. If you are interested in a fast, exciting pace of trading, trading on the Loan and Credit market provides you with it. The Loan and Credit market has more transactions every day than the New York Stock Exchange (NYSE). This means great opportunities for people who prefer short-term investments with high turnover.

Loan for any purpose

We can get a loan for any purpose even on the day of submitting the application. The feature that characterizes this type of financial product and at the same time distinguishes it from a traditional bank loan is the fact that the borrower does not have to specify the purpose for which the money is to be allocated. The loan granting procedure is also usually less formalized than the bank granting procedure. Non-bank loan for any purpose – what is worth knowing about it?

A quick loan

A quick loan

A quick loan for any purpose is a financial product that must definitely be approached with a high degree of caution. When borrowing a certain amount of money, you usually have to pay back the borrowed amount plus interest due, usually for a short period of time, depending on the loan company ‘s offer. From a rational point of view, hardly anyone can afford such a loan. One of the possibilities offered by loan institutions is the possibility of spreading payments into installments.

Installment loan and informed borrowing rules

The solution decided by a significant number of borrowers is installment loan. Spreading the commitment over a longer period of time means that the home budget is not severely tarnished with the weekly or monthly repayment of the next installment.

Informed lending is based on certain rules. First, do not borrow more than we need. Secondly, the amount of the loan and repayment should be matched to our financial capabilities. What does it mean? The installment of the loan should not significantly burden your home finances. We cannot allow the situation that after paying the loan installment, we will no longer have enough funds for other obligations, e.g. rent or electricity. It is worth remembering when making a decision to take out a loan.

Despite the fact that non-bank loans do not have the best press, and some people even have negative associations with such loans, it is not bad to borrow money from non-bank companies. As economic advisor argues: We have two options: we collect money and spend what we have or borrow, buy and return to whoever lent us money. The most important question is: Am I able to repay a certain amount regularly? If it turns out that taking into account all the costs, I can – there is no reason to worry. We have to calculate, not count, that somehow it will be. Economic education is the key to solve many current problems.

Importantly, the borrower does not have to specify the purpose for which he takes out the loan. Such a financial product is freedom of choice. We borrow money and spend what we want, e.g. on new home appliances or electronics, spontaneous holidays or weekends, payment of bills and rent, buying fuel or holidays for children. A non-bank company is not interested in what we spend the money on. She only wants them to be returned within the period specified in the contract.

Who is a non-bank loan for any purpose?

Who is a non-bank loan for any purpose?

Who can get a non-bank loan for any purpose? Such commitment may be sought by persons who:

  • are at least 18 years old
  • are natural persons, capable of legal actions
  • are Polish citizens, live in Poland and have an ID card
  • they can be full-time employees, work contracts, work contracts, retirees, pensioners, students, farmers – anyone who receives a positive assessment of their creditworthiness
  • it’s a loan for people who don’t want to explain why they need money
  • in an emergency – unexpected expense, illness of a family member, job loss, car repair, holiday trip, organization of holidays, etc.

Advantages of a loan for any purpose

What are the benefits of being able to take out a loan for any purpose:

  • no need to explain why we need money
  • the money can reach our account the same day the application is submitted
  • limiting formalities to a minimum
  • a choice: a quick loan for a short time or an installment
  • flexible loan period: from several to several dozen weeks
  • transaction security – a transparent agreement that contains all the necessary information, including APRC, terms of repayment, consequences of not repaying on time

Loan without a bank account

Every fifth Pole does not have their own bank account. Therefore, cannot such people count on the possibility of borrowing money for any purpose? Of course not. More and more non-bank companies, in order not to close themselves to such a large group of customers, are introducing non-bank loans that do not require having a bank account. Let us remind you that the basic condition that must be met by applicants for a traditional non-bank loan is having their own bank account.

It is worth reading this article before taking a loan: BIK – what is it, how to check your credit history in BIK?

So how can clients lend if they don’t have their own bank account? A home service loan may be a good solution here. Deciding on such a way to take out a non-bank loan, the sales representative of the loan company will bring us money home.

A loan for any purpose at home

A loan for any purpose at home

If for some reason we do not want to take advantage of a standard non-bank loan granted to a bank account or simply do not have a bank account, we can consider a loan with a home service. It’s a way to get quick cash straight to our home.

Advantages of a home loan?

  • Borrowing comfort – we don’t have to go anywhere, a company representative will come to our house with cash and a contract ready to sign.
  • Anonymity – loan companies are well aware that their clients value anonymity and do not want everyone to know about their financial problems. Therefore, a car with an advertisement from a non-bank company will not come to our house, but an ordinary car. Nobody will know who visited us.
  • Transparency of contract provisions – if we have any doubts after reading the contract, we can always talk about them with a representative of the non-bank company. A direct conversation with a representative of a loan company is one of the biggest advantages of a home loan.
  • Possibility to adjust the date of the visit – the borrower has the option to adjust the date of the visit to his own day plan. Thanks to this, the representative’s visit will not interfere with other obligations.
  • Payment method – a company representative comes for the money. So we don’t have to worry about the necessity of paying the installments of the liability. Some companies additionally allow repayment to a bank account. Then it is up to the customer to choose which form of payment suits him or her.