Cash loans without leaving home
The development of modern technologies and universal access to the Internet means that we can do a lot of things today without leaving the apartment.
Many of us use these facilities on a daily basis, even shopping online and doing business official matters over the internet. At a distance, we can also use financial services and products – very often in much better conditions than in stationary outlets.
No one is surprised by buying an insurance policy over the internet
Many people also use banking products without leaving home, completely online. In addition to the fact that today we can set up a bank account and a remote deposit, financial institutions also give us the opportunity to take out a cash loan without leaving the apartment. It even happens that the lender offers better conditions than if we had applied in a stationary branch.
Until recently, people wanting to get a loan without moving from home could only use the services of Good Finance, which prepared a loan agreement with the client in the apartment and paid money there.
Today, however, this has changed significantly, and all this thanks to foreign loan companies, which also came to Polish. This market has also become more competitive, in favor of customers who are in a cheaper position to lend money. And so, several dozen non-banking companies both domestic and foreign capital offer cash loans without leaving home.
People interested in a non-bank loan
Have a lot to choose from, even if one of the private lenders refuses to grant the loan most non-banking companies, in order to get cash, all you have to do is apply for a loan online and earn even a small income.
The lender often does not require any documents confirming employment and stable earnings. Although the main feature of this type of loans is high granting, some companies verify consumers in the KRD (unreliable customer database)
Debts) and even at the Credit Information Bureau.
If the potential borrower passes the verification procedure, the loan company transfers the money to the client’s bank account. Thanks to this, funds are available on the borrower’s personal account even in a few minutes.
Attention should, however, be paid to the high cost of non-bank loans. The APRC, i.e. the actual annual interest rate, often reaches several thousand percents. For comparison, the APRC of a cash loan obtained from the bank amounts to only several dozen percentage points.
If we are regular customers of one of the banks
Then we can also count on a loan without leaving home. All you need to do is meet the conditions, which vary depending on the bank’s policy. For this, we will need adequate creditworthiness and impeccable history accumulated.
It is best to apply for a cash loan without leaving the apartment in a bank where we have a personal account, which is paid for by the monthly salary. Then the lender is able to verify our credit standing without requiring any documents.