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Non-bank credits via the internet? No loans, only loans. The loan may be granted by a bank, or SKOK, and loan companies only grant loans. If this issue has already been clarified, what can be said about non-bank loans? The fact that they are very popular is an obvious cliché.
Although they constitute only a small fraction of the total number of loans granted, it is loud about them for several reasons.
Very often, the argument raised against non-bank loans is the cost of granting them.
In fact, they are not cheap, but you can also find those that are in promotional prices for new customers for 0 PLN.
Due to the fact that cases of dishonest loan companies are publicized in the media, and rightly so, entities providing such services are not often seen in a negative light.
However, it must be realized that in the whole segment of business activity there will be entities that have failed consumers in one way or another, and that does not mean that all companies act unfairly.
Cash flow rates are very often the only source of borrowing money for people who do not have creditworthiness at the bank. The reasons can be very different, from the absence of a contract certifying employment and receiving income, to a negative credit history in BIK. Loans, whether banking or non-banking, should be taken responsibly.
The basic rule, apart from the appropriate choice of a loan company, is the estimation of own creditworthiness. If we are not sure that we will return the money on time, we should not lend. Similarly, you have to make a commitment in one loan company to give a loan in another. It is a simple way to fall into a debt loop.
Loan companies use different forms of advertising to attract customers. It is very popular to offer the first loan for free. When borrowing for the first time in a loan company, we will not pay for the loan. Of course, before we decide on such a free loan, please read the regulations. Most often, this form of promotion is used by loan companies operating via the Internet.
What does a loan company have to do with borrowing it for PLN 0? Above all, he counts on the customer returning to them and borrowing more money on which he already earns. Having personal data, such as an e-mail address or mobile phone number, you can send loan proposals to the client. At the same time, the company providing a free first loan is aware of the fact that not every customer will settle the loan in a timely manner and will be forced to extend it. And for this service, fees are already charged without a reduced fare, according to the price list.
In addition to companies that operate in a traditional way, stationary, there are a dozen or so loan companies whose operations are 100% online. They do not have customer service points that can be approached with proof for a loan. Of course, online loan companies that you can trust inform on your website the address of the head office and a full set of contact options. In what such a loan company is better than traditional? Above all, it’s a big convenience for consumers. You do not have to go to a branch of a company that provides this type of service, but fill out a loan application at home, via the internet. All you need is a bank account and a phone number.
After completing the application and transferring the symbolic amount, in most cases it is PLN 0.01 (to confirm your personal data), we will receive within a few minutes information about granting the loan or rejecting the application. Still on the same day we have money on your bank account.
Online loan companies borrow in most cases small loans, these are just a few minutes – a small amount for a short period of time. But installment loans are becoming increasingly popular. Generally, the first loan is not more than PLN 500 – PLN 1000, but there are non-banking companies that will borrow and PLN 2,500! The first limit is usually relatively small . But it increases with another loan, provided that the provisions of the contract and the regulations have not been broken.
A comparison of non-bank loans is designed to help you get acquainted with the offer of non-bank loans. And it helps in searching for a payday via the internet and an installment loan. All you need to do is to enter the amount of the loan you are looking for and the time for which you intend to take out a loan. Then we will get a list and selection of loan companies that provide such a loan.
This is a very helpful tool, for two reasons: it saves time in browsing loan offers and allows you to search for the cheapest offer by cost analysis. Therefore, we choose what we are currently interested in and what we need.
Let’s always remember that before we sign a contract with a loan company, you must read and understand its provisions. No matter if it is an online or stationary loan company. Only when we accept all its provisions and do not raise our doubts, we can decide to accept the terms of the loan.