In recent years, non-bank lending companies have become very popular. This is the effect of tightening the regulations on granting loans by banks, caused by subsequent guidelines of the Polish Financial Supervision Authority. Non-bank companies offer products for practically everyone, even people with bad history in the Credit Information Bureau (BIK). http://certtopper.com for further clarification
Loan without BIK – offer of non-bank companies
Non-bank companies have a wide range of products – from payday loans (low amounts usually borrowed for up to 30 days) to loans for higher amounts borrowed for a long period. Their cost varies, depending on the company and the period for which the contract is concluded. In the case of payday loans, many companies have a special offer for new customers in the form of a free first loan. This means that if it is repaid on time, the customer does not bear any costs associated with providing it.
The offer of non-bank loans is increasing from month to month. New companies are created, loans for higher amounts are offered (up to PLN 25,000), and the loan period is extended. Currently, in addition to loans to individuals, loans to companies are also available on the non-banking market. However, one should take into account that loans from non-banking companies will be much more expensive than bank loans.
Who can get a loan without BIK?
A loan without BIK may be a good, and sometimes even the only, solution for people who, for various reasons, cannot apply for a bank loan. Bad history in BIK or low scoring do not prevent you from obtaining a non-bank loan. In most cases, you don’t even need an income certificate or documented account receipts. All you need is a customer statement about your income. It should be remembered that even if non-bank companies do not check BIK (or check, but are not guided by the data contained in the database), they verify other databases, such as KRD, BIG Infomonitor or BIG Erif. An entry in such a database may prove to be a reason for refusing a loan. However, more and more often you can find companies offering loans for indebted people and even for people with debt bailiffs.
How to get a loan without BIK?
A person applying for a loan without BIK must first of all be of legal age. In most cases, the minimum age limit is 18, but some companies have introduced a limit and the minimum age of the borrower is up to 25 years. The upper age limit, depending on the company, is 75-80 years old. All you need to submit an application is an ID card and telephone number. You can apply for a loan online, by phone or through a credit counselor. After entering the application and verification we receive a decision. In the case of a positive decision, the contract is signed and the money is awaited on the same day. Most non-bank companies offer several options for paying out a loan: transfer, auto-withdrawal at Pekao SA bank or GIRO check (which can be done at any post office).