Where to find cheap non-bank loans? How to use them? How do you compare offers? You’ll find answers to these and many other questions in the article below. Currently, choosing the right non-bank loan can cause many problems, mainly due to the very large number of offers. Cheap non-bank loans can be found in most offers of non-bank institutions, especially when they are covered by the promotion of zero costs. The purpose of this article is to familiarize potential borrowers with so-called cheap, non-bank loans with a low real annual interest rate. Cheap non-bank loans – is it possible? Non-bank products, including short-term loans, have been very popular for a long time, resulting from many sources. It can be argued that the direct causes of the growing number of borrowers in Poland are, among others: 1) professionalization of the industry, 2) marketing activities, 3) attractive offers and promotions addressed to customers using the loan for the first time. Due to the high demand in this sector, the number of loan companies is also growing, fighting for a potential borrower in a competitive manner. One of the methods to get a customer is to offer attractive offers at which the cost of the loan is relatively low, and special promotions. It is for this reason that non-bank institutions basing their activity on short-term loans decide to organize promotions, not only for new customers. Also noteworthy are offers with low loan costs and commissions. Cheap non-bank loans are therefore the most possible, so it’s worth making every effort to find the best offer for you. How are cheap payday loans granted? The vast majority of loan companies only provide their products online. Cheap payday loans via the Internet are very popular, which is also due to the comfort of this form of financial obligations. To obtain the payday loan, it is necessary to complete the form on the lender’s website. After providing the required data and making the so-called verification transfer, usually in the form of one penny or one zloty, we receive money to the bank account whose number we provided in the form. This form of granting short-term loans is also an optimization of the operating costs of non-bank institutions. In the online form, this process is optimized as much as possible, which, however, does not mean that the decision to accept or reject the application is not influenced by a person. Nevertheless, we can be sure that when using payday loans via the Internet, we will receive money very quickly. What is the specifics of bad credit loans? It is also worth getting acquainted with the specifics of bad credit loans attention should be paid to their individual components, which make up the total cost of the loan. We are talking primarily about the maximum amount of short-term loans and the time for which we incur a commitment. These two factors determine all costs borne by borrowers – this is about service costs and commissions. So what is the specificity of bad credit loans with no credit check? Amount Cheap online loans can be taken for almost any amount. The standard maximum amount in many offers of non-bank institutions is PLN 3,000. Nevertheless, we can easily find those companies that have decided to increase the maximum amount, up to PLN 6,000. It can therefore be assumed that loans in the range of PLN 100-6000 are the most common range. Offers rarely have larger amounts. Time Short-term loans are granted for a period not exceeding 60 days. Nevertheless, there are some restrictions in this area that make it impossible for every person to benefit from the full period. Borrowers using a loan for the first time can only benefit from a thirty-day repayment period – this is one example of such restrictions. Formal requirements To obtain a loan, it is necessary to meet all formal requirements. The basic requirements are 21 years of age, Polish citizenship and having your own bank account. It is also necessary to fill in the form, in which, among others, data from the identity card should be provided. Cheap loans and APRC The element that informs us about the total cost of the loan is APRC, which is the actual annual interest rate. This indicator is expressed as a percentage. An APRC of 0% informs us that the loan is completely free at no cost. This is only possible if you use the first loan promotion. Cheap loans without verification – what to look for? It is also worth noting that non-bank institutions offering cheap loans also come with their products to people with an unfavorable credit history or presence in debtors’ registers. Cheap loans without verification are becoming increasingly popular, primarily due to the attractiveness of such offers. How to choose an offer? Due to the large number of loan companies, choosing a short-term loan offer is not easy. The element that we should first pay attention to is the already mentioned APRC. Thanks to this, using the available rankings, we can quickly and easily compare the cost of loans in various non-bank companies. Cheap non-bank loans can be found in the offer of the most popular institutions – it is worth using rankings to compare given offers.
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The latest payday loans on the market can be a very interesting proposition for people looking for short-term loans. Check where to look for such offers and what to look for when choosing offers. The most common types of new payday loans Year-on-year payday loans are very popular. This has several effects, of which our attention deserves, among others: 1) systematic appearance of new entities on the non-bank loans market, 2) modification of offers by loan institutions that have already managed to develop their brand and are present in the awareness of current and potential borrowers. Nevertheless, it is worth spending a few words discussing the most common types of new payday loans. In general, new short-term loan offers are no different from older offers. Where we can see the biggest differences are, for example, the total cost of the loan. Those in the case of young companies on the market may be slightly smaller – this is an effective way to attract potential borrowers to their offer, as well as to mark their presence on a very wide non-bank market. The forms of payday loans also remain unchanged and are adapted to the needs of specific social groups. Therefore, we will find short-term loans for people struggling with debt or bad credit history, for people under the age of 21 or even for the unemployed. Who are the latest payday loans addressed to? It is worth saying a few words about the target groups of companies offering the latest payday loans. Most often, this financial liability has an extremely wide target group, including also individual variants (we are talking about payday loans for people with debt). Therefore, it can be concluded that using a short-term loan is not demanding – all formal requirements are extremely easy to meet. This means that loan companies, which additionally diversify their offer with the previously mentioned variants of loans, have an extremely wide group of potential recipients. The latest payday loans without bases – what does this mean? Among the new offers of loan companies, the latest payday loans without bases are the most popular. It is worth explaining exactly what this term means and what financial obligations it relates to. The colloquial term “databases” is understood as the databases of popular debtors’ registers, such as BIK, KRD or ERIF, among others. The person whose data is in such a database has a significantly hindered ability to use financial products such as, for example, short-term loans. The latest payday loans without databases allow you to receive a loan, even when you are in the databases of debtors’ registers. Of course, such an offer is primarily governed by the company’s arrangements; individual risk or client verification policy. The latest payday loans and promotions It is also worth emphasizing that while looking for new offers we will also find promotions. One of them is, for example – quite common – promotion of the first loan at which the APRC, i.e. the actual annual interest rate is 0%. This means that you will not incur any costs when using this financial commitment. Therefore, take time to find the right offer. Adjusting payday loans to your needs and – more importantly – opportunities minimizes the risk of default. However, the question arises – where can we find the latest payday loans? How do you compare offers? Where to look for offers and how to compare them? New payday loans are often included in the rankings. Dedicated rankings are also being prepared, which include only new loans classifications on the offer of relatively young non-bank institutions on the market. What to look for when choosing an offer? First of all, all elements of short-term loans should be reliably compared. The maximum amount, time and APRC are the foundations of every payday loan, so their proper comparison can determine the profitability or unprofitability of using a given loan.
See what loans are for 60 days. What to look for when choosing an offer? Which companies grant payday loans for such a period? Check! The vast majority of short-term loans are granted for a period not exceeding two months. The short repayment period is characteristic for this type of financial product. Loan companies have also introduced restrictions, which means that not every customer will be able to take a loan for 60 days straight away. In this article, we suggest what to look for when deciding on this type of funding, what the abovementioned restrictions are, and we show which companies on the market grant loans for 60 days. Loan term The loan term is one of the key elements having a direct impact on the total cost of the liability. The choice of a shorter or longer period has an impact on the APRC, i.e. the actual annual percentage rate informing us in percentage of the costs associated with the loan. This is the first element to which we should pay special attention when choosing an offer. The second element is a reasonable assessment of your financial capabilities, which should accompany any commitment. We may need a financial product that is much longer to pay back. Then we should decide on installment loans. 60-day loan – what are the restrictions? It is also worth saying about the restrictions applied by loan companies resulting from the implementation of risk policy. Protecting themselves from the insolvency of borrowers, financial institutions have introduced a number of different restrictions, especially for new customers. Borrowers who take out payday loans for the first time in a given company often cannot count on a period longer than 30 days. In addition, restrictions specific to short-term loans apply. We are talking about verifying clients in popular debtors’ registers, reaching the age of 21 or setting the maximum loan amount. It is worth emphasizing that a significant number of institutions do not grant loans at a longer time in general, which is not the result of introducing restrictions, but simply results from the offer. For more information on individual offers, click on the company name. How are loans granted for 60 days? The form of granting a 60-day loan is essentially the same as the other options available on the short-term loan market. The process of applying for payday loans is completely online. Potential borrowers can complete the application on the loan company’s platform. Thanks to automated verification of applications, money can appear on the customer’s account even 15 minutes after acceptance. Who can benefit? The formal requirements specifying who can benefit from the loan are also very similar to the other forms of short-term loans. It is worth emphasizing that loans for 60 days also have variants oriented towards specific target groups. Therefore, we can find free loans for 60 days on the market, as well as those intended for example for the unemployed. More information can be found here and here.
It would seem that the process of getting a short-term loan is long and extremely complicated. Meanwhile, thanks to the simplified procedures and automated decision making on the granting or rejection of a loan application, this time has been significantly reduced. The procedure for applying for a short-term loan in the vast majority of cases does not take long. For borrowers, one of the key elements affecting the final decision to use the offer is time. The shorter the better – potential customers are then more likely to send a loan application in a given company. This is the main reason why a number of non-bank institutions introduced so-called loans in 15 minutes. What elements have a direct impact on the reduction or extension of receiving a loan? How can non-bank companies be able to grant loans in such a short time? Can potential customers really receive money in a quarter? The answers to these questions can be found in this article. Uncomplicated loan procedure First of all, the short payday period is the result of maximum simplification of the loan procedure. In most institutions whose marketing narrative draws the client’s special attention to quick loan granting, this procedure is limited to the formal minimum resulting from legal regulations. Such simplification allows clients to go through the entire loan application process themselves, which is not without significance for the time of implementation. An uncomplicated procedure has a huge impact here. It is also worth emphasizing that this process is also fully automated. The whole is done online, so that customers do not waste time on visits to business premises or waiting in queues. Completing the form and issuing decisions on granting a loan or rejecting an application have also been subjected to far-reaching automation. Thus, a 15-minute loan is not just a marketing tool, but a real time to get a loan, which is possible thanks to simplified procedures and automated acceptance of applications. The Instantor service, functioning in many loan companies, should also be mentioned, allowing for instant verification of the customer without the need for a so-called verification transfer. Loan calculators and rankings It is also important to be able to quickly find an offer. Calculators are available on lenders’ websites and platforms, thanks to which we can find an offer for ourselves within one non-bank institution with a few moves. The payday ranking is also very important, because we do not have to spend time searching for offers – such a list is available at hand, which gives us a much broader perspective on choosing the best offer for us. exceptions However, not all loans will be received in such a short time. Any element that affects the completion of the required formalities will also extend the time to get the loan. A good example can be those companies that require, for example, collateral for a short-term loan, guarantor or even verification of income sources at the client’s employer. These elements have a direct impact on the length of the loan procedure. 24 hour option Potential borrowers have the option of applying for a loan twenty-four hours a day, precisely because of the automation mentioned above. 24-hour loan availability often also applies to weekends.
Finding yourself in a difficult financial situation is not unusual. It is then worth looking for solutions that will help, for example, to settle accounts receivable. In this article, we answer the question which non-bank institutions grant loans to indebted persons. How many Poles are in debt? More and more people are struggling with the problem of debt in Poland. According to the latest report of the Credit Information Bureau, from June 2019, the number of indebted persons increased in our country to 2.8 million. Therefore, the number of indebted persons increased by 21.5 thousand. The report covered debtors with obligations not only towards non-bank institutions, but also non-paying, among others, telephone or internet bills, rent, as well as various types of court fees. According to BIG, the total amount due at the end of the first quarter of 2019 amounted to as much as PLN 76 billion. This shows that financial instruments for immediate payment are still very much needed. And often used. One of such instruments is the possibility of combining many high loan installments into one, much lower. It definitely facilitates systematic repayment of liabilities. Thanks to this, the budget is significantly relieved; in this way we solve the problem in which the sum of monthly installments exceeds the income of the debtor. You can read more about this instrument in the consolidation loan article. The problem of debt affects people of all ages. The largest number of debtors is in the 35-44 age range – the number of unreliable debtors in this group is 706.7 thousand. On the other hand, people aged 45-54 have the highest level of debt from all age groups: the average amount of liabilities in this group is PLN 37,257. The data comes from the Register of Debtors BIG InfoMonitor and databases of the Credit Information Bureau. Who is the person in debt? To be present in the most popular debtors’ databases, it is enough to have at least PLN 200 outstanding within 30 days. After this time, our data is entered into the databases. That is why it is so important to pay all receivables responsibly, and to ensure that all repayment dates are reliably monitored. From the report “Why do Poles get into debt?” prepared at the request of the National Debt Register, we find out that debt is most often caused by unpaid loans for home purchases, including home appliances and electronics. The second most common loan is renovation of the house / flat. The third place was taken by the purchase of the vehicle. Therefore, we can see that debts arise as a result of taking loans for purchases, which we can thoroughly analyze before using the financing offer. Therefore, any of us who does not pay the financial due date can be in debt. It is worth emphasizing at this point that there are many ways to avoid debt, which should be remembered at the stage of choosing a loan offer. How to avoid debt? We should plan very carefully the use of non-bank use. Below is a list of useful points that should be considered when choosing an offer. These five steps will allow you to minimize the risk of insolvency and, consequently, protect against debt. Think carefully about the purpose of the loan First of all, you should think carefully about the purpose of the loan. If this is, for example, equipment that we cannot afford to buy, we should answer, among others to the following questions. Do we need this equipment? Are there any promotions for its purchase? Is it worth to suspend your purchase and save a specific amount? We should ask ourselves many more similar questions. Leave a margin for unforeseen expenses When choosing a loan offer, remember about the financial margin that you will be able to spend on unforeseen expenses. Example: if the sum of your free funds is 1000 zlotys every month, then the preferred amount of the loan installment should be maximum 800 zlotys. In this way you save PLN 200, which you can spend on unforeseen expenses, without any stress. Of course, this step only applies if you have chosen installments. You can find non-bank companies that grant installment loans here. Choose an offer tailored to your needs Currently, there are many companies on the non-bank loan market that also address their offer to people with debt. Therefore, we should spend much more time searching for a suitable loan offer. Of course, a quick manual comparison of offers is impossible, so it is much better to use loan rankings. The loan components such as APRC (actual annual percentage rate expressed as a percentage), loan amount or repayment time should be compared. Familiarize yourself with all the details of the offer We should get acquainted with all the details of the offer, and above all the date of the final date of paying the loan. Thanks to this, we minimize the risk of misunderstandings or understatements – when taking out a loan, every aspect of it should be clear and understandable to us. Take care of timely repayment of installments Step five is directly linked to the previous one: responsible liability for timely payment is the most important aspect of any financial commitment. How to deal with debt? If we are a person who cannot cope with debt or who foresees its insolvency in the near future, we have several options. The first of these is the consolidation of many installments into one smaller one. Many companies also grant loans to people with debts (the list of the most popular companies can be found at the bottom of the article). In this case, we should also mention the possibility of the so-called credit loop (the payday loan loop works in a similar way) – you can find out what it is and what its characteristic features are in this article. If you know that for any reason you will not be able to repay the loan or installment within the pre-determined period, you have two steps. First of all, some companies give borrowers the option of extending their repayment date. Secondly, immediately inform the loan company about your possible insolvency – it will inform you in detail what steps you can take. Thus, we see that even having debt is not a dead end. There are at least a few answers to the question of who will grant loans to those in debt. We can use the available financial instruments – it is also important to consider the possible debt already at the stage of choosing the loan offer.