Loans for indebted people is one of the products available in the offer of non-bank financial institutions. We live in a time when almost all of us are in a certain way indebted. We are talking here about people who have even the smallest credit. In a much worse situation, however, those are struggling with constant shortages of cash. These are people who have fallen into a spiral of debt that they find it difficult to get out. Fortunately, offers for people with debts are available on the financial services market. What types of loans are offered by loan companies?
From the article you will learn:
- What are loans for indebted?
- Who gives loans to indebted people?
- What conditions should be met?
- How to apply for loans for indebted households?
Loans for indebted people
Loans for indebted people were created for people who have ceased to be credible for the bank. They, along with growing debts, lose a good reputation in the eyes of the bankers. Experts point out, however, that not only debtors benefit from the financial tool described here. It is available to anyone who receives documented income within a month. What is important, however, is that when it comes to helping indebted persons, other obligations of the borrower are not taken into account. It is irrelevant, therefore, how much it must spend in a month to repay other loans and credits. The most important is the content of the statement about the financial situation. Actually, this document is the basis for granting aid. It is also worth noting that granting a loan for indebted people is not dependent on entries in BIK, KRD or ERIF. This is great news for everyone who does not show a positive credit history. It turns out that even they can afford to implement those plans that have been delayed so far.
A loan with a debt collector
This solution was created especially for people with bad history in BIK, ERIF and KRD. It turns out that they are not quite vulnerable in the face of the fact that they have to borrow money on interest. Even when bailiffs are charged with them, this is not an out of office situation. However, the most important thing is that the applicant applying for borrowing money on a percentage meets the relevant conditions. First of all, he must be an adult and have an account in one of the Polish banks. Then it becomes possible for one of the loan companies to help him. This is a very convenient solution, because the customer verification process is definitely shorter than in the case of a traditional bank. It is also characterized by the fact that it does not require going through complicated procedures.
A loan with a bailiff only in some cases
It’s good to remember that we have a much better chance of getting the expected money when we meet some basic conditions. First of all, the debts occupied by the bailiff must fall within certain limits. The most common is that they can not be higher than PLN 2,000. In addition, it is important that the amounts seized are not related to previous credit and loan activities. Therefore, it is not the smallest obstacle that a person who is in arrears with fees for overdue fines or alimony will receive money. Then she has almost the maximum certainty that she will receive the money she is waiting for.
A loan for indebted people in databases
As debtors, you can be counted as a result of very trivial arrears. It is enough that you do not pay a ticket for transport using public transport. Fortunately, each of us can check if he has become a debtor. The description of the procedure by which to go should be found in the text Verification in debtors’ databases . Knowing the information found there, you can get the necessary knowledge in this matter. It is also worth adding that it is not a necessity to try to remove debtors from debt bases as soon as possible. There is more than one loan available for borrowers in bases, and even a loan for very indebted people. That’s why you can choose the offer that best suits your needs. Then you do not have to worry about ERIF, BIK or KRD.
Loans for indebted people without bikes
Everyone who has an entry in the debtors’ register is aware of how difficult it is to get financial support in such a situation. No wonder that we often ask ourselves who will give loans to indebted people? The answer to the needs of clients with debts may be to some extent non-bank loan companies. Such institutions, unlike banks, introduce less stringent requirements to their offers, thanks to which everyone can find something for themselves. A loan for debtors in BIK is characterized by the acceptability of negative entries, but not in every case. What conditions must be met in order to receive such support?
An online loan for indebted people
There is no doubt that having stable employment, our chance for a non-bank loan is greater. What to do when we have lost a job and our financial problems are growing? As a general rule, when applying for any financing, we will be asked to present your income. However, data from the third quarter of 2018 show that 662 thousand Poles are unemployed. People without employment are more exposed to the emergence of financial crisis in their budget. Therefore, institutions offering loans for unemployed and indebted online appear among non-bank companies. They are directed both at people who are unemployed and those who do not have a documented source of income. An example of this can be the owners of rented apartments or students living on an occasional job or a scholarship.
Loans for indebted people without creditworthiness
Some loan companies provide their clients with the possibility to apply for financial support with a guarantor. This is a real chance to get a loan for indebted people without an online creditworthiness. In such a situation, greater demands are placed on our genius. What is it about? The decision to grant a loan is made not on the basis of credit history. The person who certifies our ability to pay installments on time is a guarantee of repayment. In case of problems, the responsibility of regulating our debt falls on the guarantor’s shoulders.
A quick loan for indebted people
As you know, the financial crisis always comes suddenly and at the wrong time. That is why for many debtors the reduction of formalities to a minimum and the short waiting time to finalize the contract count. A fast online loan for indebted users is possible thanks to the 24-hour availability of applications on the websites of lenders. We can enter the appropriate site address at any time and start filling in the form. Some loan companies offer to receive a transfer even within 15 minutes of receiving a credit decision. It all depends on when we decide to submit an application. If we send the form at night or during the weekend, the waiting time will be longer. However, most lenders guarantee that we will be informed of the status of the application up to 24 hours.
Loans for indebted people with a bad story
In standard offers, lenders check their clients in several debtors’ databases. They usually use the following registers: BIK (Credit Information Bureau), BIG InfoMonitor (Economic Information Bureau), KRD (National Debt Register), ZBP (the so-called black list of banks created by the Polish Bank Association) and ERIF. For the needs of the loan companies market, a database was also created in which representatives of this sector exchange information about applicants. This register is called Credit Check.
However, there are lenders who do not take into account the credit history of customers when taking decisions, and make the final decision based on the information provided by the applicant. In this case, the amount of income will be important.
Non-bank loans for indebted households
When making any financial decision, the most important thing is to stay wise. Therefore, the first step on the road to achieving financial peace should be to analyze the household budget. It consists in compiling our monthly expenses with incomes. As a result, we will receive an amount that we can use to repay the loan. Then, we compare the offers available on the market based on the amount obtained from the calculation. It is worth using comparators for this purpose. Using the sliders we determine the amount and date of repayment we are interested in. From the list you should select a proposal that fully reflects both our needs and financial possibilities. It is important not to forget to check whether a given company checks its clients in databases. Such information can be found in the “Questions and Answers” tab, the Information Form, the Loan Terms or the Framework Agreement.
At this point, it is worth checking the rankings and where are the products selected by us. We would like to point out that we should not decide in advance on the lender who is the leader, because everyone has individual assessment criteria, and our specialists do not know the financial situation of a given client. The next step will be to familiarize yourself with the details of the offer and to make sure that we meet all the conditions set by the company. After choosing the right offer for us, check the lender’s site to see if everything is correct. If so, we can proceed to apply.
A quick loan for indebted people
After completing the entire procedure, the lender will receive a report on the basis of which he can confirm our identity and make an initial assessment of our financial liquidity. Remember that all information remains secure and the application has no access to the login and password.
The waiting time for a lender’s decision depends on many factors. One of them can be a verification method. The development of technology has enabled loan companies to introduce new solutions. One of them may be a special application supporting the process of checking the customer’s identity. An example of such systems is Instantor or Kontomatik. After selecting the appropriate option, we will be automatically redirected to the subpage where you must log in to your bank account. The application using screen scraping will download the information from the screen of the lender, and then log out of the electronic banking.
Another way to avoid long waiting time for verification is the express transfer system. It involves ordering a microprint through the page that allows you to skip the elixir session. An example can be BlueCash. Sometimes we may also be asked to make a phone call, during which the consultant will ask us some questions about the information contained in the form. It is worth remembering that when deciding on a traditional transfer, we are limited by the hours of outgoing and incoming sessions. The lenders are waiting for the payment to be credited to the account, so there is a risk that the whole process will take much longer.
Loans for indebted internet users
Applying for non-bank loans online is one of the fastest and the simplest. To submit an application, go to the lender’s website, and then use the sliders or the drop-down list to select the amount and the repayment date. If we do, we will review the repayment costs. Everything is correct? Now all you need to do is accept all consents and go to the appropriate form by clicking the “Apply” button, “Take a loan” or similar.
After switching to the subpage with the form, we can proceed to fill in the headings. The lender will ask us for some necessary information, such as:
- personal data: name, surname, PESEL, number and series of identity card,
- contact details: phone number, e-mail address,
- address details: place of residence and address of registration,
- information on the financial situation: monthly expenses, monthly income, number of dependents, form of employment, education, etc.
- and the bank account number.
After filling in the form, we check the correctness of the data and move on. At this point, we will usually be asked to confirm your identity. Each lender chooses the verification method himself. After the completion of this stage, we are waiting for a credit decision. We will be informed about it via SMS, e-mail or information placed in the Customer Panel.
Non-bank loans for indebted households
One example of a non-bank loan for indebted may be Rapida . As the lender informs us, a negative entry in BIK is ok if you have a guarantor. The only security that the company expects from us is to provide details of the person who will be able to certify our ability to repay the obligation. In the event of problems with repayment, it is the survivor who will be held responsible and settle our debt. To be able to get a loan in Rapida, you must meet the following conditions:
- be at least 18 years old, and a maximum of 75,
- live in Poland,
- no proceedings for the declaration of consumer bankruptcy may be brought against us,
- we must have the ability to pay the monthly installment of the obligation.
After completing the part of the form, the guarantor will be asked to provide certain information. What conditions must a person certify our repayment capacity meet? First, it must be at least 25, and a maximum of 75 years. Secondly, it is necessary to have a positive credit history, i.e. no problems with fulfilling your financial obligations. Thirdly, financial stability will also be required. All information provided by both the guarantor and the borrower will be verified during the telephone conversation. This is enough to be able to apply up to 25,000 PLN for a period of 60 months in Rapida.
Online indebted loan
A big help for borrowers is that they can get the help they need without leaving home. All they need is a computer with Internet access. Even then, you can find a company that meets their requirements quickly and without unnecessary formalities. Fortunately, there are a lot of such enterprises on the Polish market. That is why you can successfully find one that meets the requirements of even the most demanding customers. Then you can be sure that you will be able to say goodbye to your financial problems. The loan for indebted people online has gained a wide range of users for a reason. They all praise this kind of help. It is an excellent support in solving a difficult financial situation. This is confirmed by all those who have found out about it on their own skin. They know that without such external support they would not have been able to bear the financial arrears that burdened their home budget.
The tools helpful in repairing finances described in the article are very popular. It is worth using them to manage your money more easily. This is especially important for those who complain about a difficult financial situation and would like to take out loans for very indebted people.