The fact of problematic debt is obviously not something we should be proud of, but there are situations in our lives where we should have the proverbial “leg” and we need help to get straight. The reasons are various: unexpected illness, requiring expensive treatment in private facilities, breakdown of a car or household appliances and electronics, without which we are unable to function, urgent renovation of an apartment or house, chronic arrears in payment of remuneration on time by the employer, or, unfortunately , sudden death of a loved one who almost always results in financial problems. Regardless of the reasons for our problems, often the only way to solve them is a loan for those in debt with BIK or, in extreme cases, a loan for those in debt with a bailiff .
As you can guess, receiving them is not the easiest, but it is not impossible. There are many companies on the market for which our bad credit history and negative BIK report do not prevent us from granting a new loan. These branches offer various loan options, also known as non-bank loans. It is a good proposition for those who need money “for now”, and in addition everything can be done online and without leaving home. Online loans for those in debt have many advantages, but the biggest of them seems to be the fact that we can get it efficiently and from the comfort of our own computer. More and more companies decide to do this – some of the formalities are carried out in the Internet formula, some require additional verification by phone, but in the end it is much more convenient than wasting time walking on banks and loan companies.
Last resort – online loan for those in debt
In our lives, there are situations in which we urgently need new funds, not having time for numerous formalities, completing complex applications, obtaining income certificates and time-consuming visits to the bank. Often, our credit history and negative result in the bases do not allow us to take advantage of traditional bank offers. Then help comes to the loan for those in debt in BIK , which is a quick way to get money without leaving home. It is an offer prepared especially for people with problems in paying off their obligations, for which it is basically impossible to receive help from traditional banks. Of course, in order to obtain a loan for those in debt with a debt collector you have to meet a number of criteria, you must also take into account the fact that it will be more expensive than in the case of products targeted at people with an exemplary credit history. However, when we have no other choice, online credit for the indebted is the best option possible.
Online loan for those in debt – for whom, what are the requirements?
The loan that we can receive online is characterized by a minimum of formalities, a transparent application and short waiting time for decisions and withdrawals. There are a few simple requirements that must be met: you must be at least 18 years old and have an ID card, as well as a bank account to withdraw funds. You will also need to fill in a statement about your financial situation – however, this is not a certificate from your employer about your earnings (or a pension or retirement pension), but only your income statement (regardless of their source, so your income from work will count) contracts, civil law contracts – specific work contracts and mandate contracts – social benefits, 500+ allowance, alimony or scholarships) and average monthly cost of living. As online credit for the indebted is involved, we must take into account the possible need to present – in the form of a file or a scan – additional documents, such as a PIT declaration for the previous year or a bank statement on which our salary or benefits due to us . We must remember that a loan for indebted persons without BIK or a loan for indebted persons with a bailiff is associated with a loan company with a really higher risk – so it is not surprising that they carefully check their potential debtors.
Online loan for indebted people – minimum formalities, no BIK
Most non-bank companies providing online loans for the indebted do not verify their creditworthiness and do not apply for a report to the Credit Information Bureau or other similar databases. It happens, however, that the credit history is checked – it depends on the rules of operation of individual companies, as well as the amount and repayment period, which you apply for as part of a loan for those indebted online. Some of these facilities verify potential customers in more detail, others are milder in their assessments. A way to avoid the risk of not being granted a loan is to apply for it at several companies at the same time. The amounts that can be obtained as part of an online loan for indebted people range from 500 to even 10 thousand zlotys. They can be taken for up to 36 months, but the average period is usually between 12 and 24 months, i.e. between a year and two, and the average amount of loans offered by non-bank companies is from one thousand to three thousand zlotys. However, this does not mean that you cannot borrow a larger amount for a long time – it all depends on the offer of individual branches. Here we must remember about a real approach to our creditworthiness: online credit for the indebted will allow us to get out of financial problems only if we repay it regularly. So it must have an installment of such an amount that will not paralyze our home budget. Thus, the higher the number of installments, the lower the monthly value. It is worth considering taking the sum we need, spread over a longer repayment period.
Online loan for those in debt – what does the application process look like?
You choose a company with the offer that interests you the most – or several offers to increase the chance of getting money. You specify the amount and repayment period, i.e. simply how much and for how long you want to borrow. In the next step you are asked to complete a short application and, in most cases, verify the data on the basis of a transfer from your account to the bank’s account. This is a small amount (usually 1 grosz or PLN) that you transfer to the given account, which allows you to verify your data. After successful verification of the data, the creditworthiness is assessed – usually based on the income statement described above.
Non-bank companies have different methods and algorithms for assessing their clients’ creditworthiness, so it is worth submitting an application to more than one of them. In this way, an online loan for those in debt becomes more likely to be obtained. If the assessment is positive – and let us remind you that companies of this type are much more likely to grant loans to people in debt than banks do – money will appear on your account within a few minutes, and at the latest on the next business day.
So, as you can see, the online loan application process is fast and efficient, and these loans are often granted without unnecessary formalities.