Entry to the Credit Information Bureau (BIK) or to the National Register of Debtors (KRD) makes it very difficult to obtain another loan. At the bank it is impossible. In an urgent financial need, however, you can take advantage of the offer of non-bank companies. The products they offer include payday loans without BIK and KRD. This means that during the verification of the application, registers of debtors will not be checked.
In situations where we need cash suddenly and quickly, we are happy to use popular payday loans. Their definite advantage over traditional bank loans is the short waiting time for a decision and a minimum of formalities. In the case of quick loans offer without certificates, companies do not check borrowers in BIK or KRD. The application can be completed at the headquarters or online. You receive your decision within a few minutes and immediately receive cash or a bank transfer. You do not need to provide a certificate of employment and earnings.
Who uses payday loans without BIK and KRD
The offer of payday loans without BIK and KRD is eagerly used by people who, due to bad credit history or other financial burdens, will not receive a loan from the bank. It is also a great option for those who need quick cash and do not have time to wait for a decision from the bank. Instantaneous payday loans are also a very good proposition for people employed under mandate contracts or without creditworthiness.
How to pay back payday pay?
Chwilówki are small short-term loans granted for 30 days. The loan is repaid once. More and more companies are offering the possibility to borrow larger amounts for a longer period of time. In this case, the repayment is spread over several installments according to the agreed schedule. The repayment date is the date on which the money is credited to the company’s account.
The repayment deadlines must be strictly observed, because in case of delay high penalty interest is charged, which makes it difficult to obtain a loan in the future. The client ceases to be credible.
This should be remembered especially when using the first loan offer for zero percent. In the event of late repayment, not only interest, but also commission and loan insurance will be added.
The ever-increasing popularity of payday loans is evidenced by the fact that the number of para-bank companies is growing and the offer is richer and tailored to the needs of customers.