Payday Loans Bad Credit / Mon, 07 Oct 2019 15:07:02 +0000 en-US hourly 1 Can I Get A Loan Without An Identity Card? /can-i-get-a-loan-without-an-identity-card/ Mon, 07 Oct 2019 15:07:02 +0000 /can-i-get-a-loan-without-an-identity-card/

If you are in a debt loop, you need to check the debt limitation period very carefully. It may happen that we will have some luck and it turns out that our debt has expired. In this situation, we will not have to pay it back. It must be remembered that the claim is time-barred after ten years, and interest after three years.

Trying to negotiate with a creditor is always a remarkable solution. It should be remembered that they do not have to bring the expected effect, but they are definitely a better solution than waiting for the case to go to court and a bailiff knocks on our door. When starting negotiations, there are a few rules to keep in mind. First of all, you should never take a claim while waiting for your debt to be canceled. However, it is worth presenting your life situation and explaining exactly why financial difficulties arose. You also need to think about the amount we are able to pay to your creditors’ account on a monthly basis.

Consumer bankruptcy


Consumer bankruptcy is a solution that has been in Polish law for some time. However, it should be remembered that the declaration of consumer bankruptcy requires court proceedings. It is possible only if the premises specified in the relevant provisions take place.

Borrowing indefinitely can eventually lead to considerable financial problems. It can lead to falling into a so-called debt spiral, from which it is not so easy to get out. Below are some tips on what to do if.

For the debt spiral, it is very important to avoid getting more loans and credits. They are not a solution to your problems. Instead, they will increase debt and the number of creditors. Therefore, starting negotiations with existing creditors is a much better solution. With a little good will on their part, it will be possible to set a repayment schedule that will allow for gradual reduction of debt.

Are There Private Loans?

Are There Private Loans?

Payday loans are quick loans, the popularity of which is now really huge. It results, among others, from the extremely shortened, simplified loan decision making procedure. Many people ask whether it is possible to receive a payday loan, not by presenting an ID card, but by providing a driving license.

If we do not have an ID card – be it due to losing it or waiting for a new one – unfortunately we will not be able to borrow money on the parabank. Parabanks accept only an ID card as an identity document. With only a driving license, we will not be able to prove that we are us. Moreover, it must be remembered that the ID card must be a valid document. So if it has expired, we can forget about the overnight payday.

Identity card is required by companies offering payday loans not only because of the number and series that are placed on the loan agreement, but also because it is a document that states the age of the applicant for the payday payday. It must be clearly stated that payday loans can only be granted to adults. So if we do not have an ID card, payday pay will not be granted to us despite the best intentions of the lender. Therefore, an ID card is an absolute basis.

A lot of people ask why an ID card is required to receive payday pay. It should be clearly stated that the loan agreement must contain data such as the number and series of the ID card. Only then is the contract between the lender and the borrower valid. Meanwhile, no other document – be it on your driving license or passport – is in vain to look for information on the number and series of your ID card. Therefore, the lack of an ID card makes it impossible to receive payday loans.

Where can you get a loan?


Verification by bank transfer – This verification method works great for quick loans. The person submitting the application must make a verification transfer. Importantly, this transfer must be made from an account that is owned by a person who wants to borrow money. His task is to confirm our identity. So if it is made from another person’s account, it will not allow you to grant a loan. The lender will only start processing the application once the transfer we have made reaches his account. So no transfer means no chance of receiving money.

Loan companies usually verify the identity of their clients using the identity card provided by them. The loan application must include the series and ID number. In some cases, a photocopy of the document is required, which is then attached to the application. If we borrow online, we must provide a scan of your ID card. However, you can do this by using email.

Parabanks use verification not only using an identity document and bank transfer, but also a special application. To confirm the identity of a potential customer, you must log in to your own bank account. The application will download all the data that is needed to properly carry out the verification process. A lot of people will ask here if it is a secure solution. It should be emphasized that such applications have really solid security. Therefore, you should not be afraid that confidential information will reach unauthorized persons.

Anyone who has to borrow money would like the loan decision to be taken right away. Meanwhile, you have to wait a bit for her. In the case of parabanks providing so-called payday loans, everything is done quickly. Let’s see what lenders use to verify customers.

Payday loans online bad credit -Have bad credit? Get your credit loan online /loans-bad-credit/ Mon, 12 Aug 2019 14:42:07 +0000 /payday-loans-online-bad-credit-have-bad-credit-get-your-credit-loan-online/

Borrowing 10000 euros with low-interest rates is very easy to compare with current online providers. Not that online providers, unlike banks, differ a lot from each other, but a slightly lower interest rate at 10,000 euros can still save a lot on your monthly amount. It also depends on which loan form you are going to take. A revolving credit often has a slightly higher interest rate than a personal loan. 

Need cash fast? Have bad credit? Get your credit loan online

The general interest rate is currently historically low and loans also show a clear decrease in the interest payable. While loans such as revolving credit and personal loans have had interest rates of 13% and more in the past, nowadays this is luckily a lot lower. Another advantage is that there are many online providers. So strong competition and that is always to the advantage of the consumer. This competitive battle naturally leads to lower interest rates.

You can find out more for credit loans online at our site.

Reds are no longer popular with the bank

Previously it was nice and easy to be red at the bank, you did not have to apply for credit and everything was automatically settled with your checking account. You paid a much too high-interest rate, but most consumers found it nice and easy. Unfortunately, banks are now also obliged to pass on the option to be in the red to the BKR in Tiel. When applying for a mortgage or loan, this amount is now also included in the application. That is why it is now becoming more interesting to suddenly apply for a loan of 10,000 euros.

Revolving credit with variable interest

In the example with a revolving credit of 10000 euros, you will see that you can take out a loan yourself online with a lower interest rate. Imagine that you would like some money but no longer want to be in the red at your bank. Then it can be a good idea to opt for revolving credit. In general, the term is 5 years (60 months), but there is the possibility to extend the credit for a period after these 5 years. By the way, it is a good idea not only to pay off the interest. Also, repay part of the principal each month, otherwise it will take too long before you get rid of it. With revolving credit, the interest is variable.

Personal loan for a major purchase

When purchasing something expensive, whether it is a car, a caravan, a television or a renovation of your house, it is best to opt for a personal loan. It should be noted that when renovating your house or renovating the garden, you cannot exceed the budget. But anyway, you have to pay a substantial amount in one go and then opt for a personal loan. You often redeem this in 5 years, whereby the interest for the entire term is fixed. So you know exactly where you stand and are completely done with it after these 5 years.

You don’t know for sure yet

zero interest

If you still have doubts about whether you would be well advised to apply for a loan, or exactly which type of credit suits you, take a look at Nibud, here you will find all sorts of calculation tools that can help you on your way. If you think you are done and you are ready to apply for a loan, take a look at the overview page ‘requesting a loan’. You will find several loan forms here and you can request a free quote if you wish.

How to make sure that your credit redemption is profitable? /how-to-make-sure-that-your-credit-redemption-is-profitable/ Wed, 22 May 2019 14:05:21 +0000 /how-to-make-sure-that-your-credit-redemption-is-profitable/

Redeeming your credits is an operation that can be very profitable for your finances. But pay attention to the conditions, indeed a credit redemption can sometimes make you lose money. We bring you the keys to find out if your credit redemption project is really profitable.

Preparing your credit surrender file

Preparing your credit surrender file

Before launching your body and soul in the search for a solution to buy back your credits, take the time to prepare your file and compare the different offers. Each file is different and depends on your situation, your request, and credits that want to buy.

But debts incurred from your relatives, delays in the payment of your bills or unpaid bills from the public treasury may also be included in the redemption request.

Personal loans:

The term “personal loan” is generally understood to include all loans that are intended to finance projects such as a new car, work in one’s home or the organization of one’s marriage. This type of loan is very widespread, because it allows to find a financing quickly and thus not having to wait to realize its desires. But on the other hand, if you accumulate several personal loans, it may be worthwhile to buy them to pay less for your monthly repayment.

Real estate loans:

If you have an older home loan with a higher rate, you have the option to redeem it in order to pay less interest. In the end, you will pay less money, and you can also negotiate the price of insurance of this mortgage which represents a significant cost.

Other claims:

If you have unpaid bills and an accumulation of late payments, you may have to pay a lot of late interest. By including this type of debt in your credit redemption, you can find a financial statement easier to manage with a single monthly payment to repay these debts.

A. Analyze redemption and negotiation fees

A. Analyze redemption and negotiation fees

Two types of fees can be identified: those relating to the repurchase of capital and interest that depend on seniority, and the penalties that are due in the event of prepayment.

The seniority of the credits:

Most credits include one or more clauses regarding the total or partial repayment of the amount borrowed; since this ultimately amounts to early repayment through the purchase of credit. Depending on the age of your loan and therefore your duration of engagement with the credit institution, the cost of early repayment may be higher or lower. A bank makes money when it lends and earns interest. The longer the repayment lasts, the more money the bank will earn. It is therefore logical that if you buy back your credit very early, you will have to pay more than if you apply when a large portion of the principal is already repaid. Because during a credit redemption, you must repay the principal and interest to be paid. But buying back the credits with a lower rate, and a lower monthly payment can save you money in the long run.

Penalties due to early repayment:

Penalties may also be required for you to redeem early on a redemption. This type of penalty only concerns mortgages, indeed personal loans can be bought back without having to pay a penalty. In general, the amount of prepayment or redemption penalties is equivalent to 3% of the outstanding amount.

B. Finding your credit redemption intermediary

B. Finding your credit redemption intermediary

Many organizations offer their services to buy back your credits. You have the choice between a conventional establishment like a bank, or to make your request for credit redemption directly online. You can also hire a broker, but the broker will bill you for services based on your request and complexity. It is possible to renegotiate with your bank your credits, but be attentive to the conditions that are proposed to you. Indeed, some will not hesitate to charge you fees or worse, force you to open accounts whose management is paid to recover their stake. The best solution will then be to proceed with the redemption of your credits by prepaying directly with your creditors. All you need to do is apply for a simulated buy-back of credit between individuals, as proposed by Younited Credit.

C. Beware of credit scams

C. Beware of credit scams

We advise you to be very attentive to the offers of credit redemption of certain organizations. Check first that it is approved by an organization dependent on the Banque de France, such as the ACPR (Prudential Control and Resolution Authority), or mandated as an intermediary in banking operations (IOB) by one or more financial institutions. Then, take the time to determine whether the operation of buying back your credits is profitable, by comparing the cost of the repayment of your initial credits against the total cost due after the purchase of your credits. Some organizations, although well-chartered, will not hesitate not to try to rip you off. This is particularly the case for certain credit redemption brokers who ask you to pay fees to study your file. They should not ask you to pay such fees before final acceptance of your file and after you have signed it.

The profitability of a credit surrender

The profitability of a credit surrender

The main interest of a credit redemption is to be able to consolidate all the monthly payments into one and reduce it, and as far as possible lower the total cost of the repayment of the capital.

A. Purchase of profitable personal credit

A. Purchase of profitable personal credit

Personal credits are a good part of the demand for a credit buy-back. This is why it is important to define precisely whether buying back such credits is profitable or not. The law requires no penalty to be paid in the case of early repayment or repurchase of credit. In order for this type of credit to be as profitable as possible, we advise you to take part in its repayment by contacting your creditors for the repayment of your previous debts. This way you save the money you ask for, for example, a broker or a specialist organization in the pooling of credits.

B. Purchase of profitable real estate credit

B. Purchase of profitable real estate credit

Real estate loans are also eligible for credit redemption, but they are also often renegotiated directly with the lender. Repurchasing a loan made as part of a real estate project may also be an opportunity to renegotiate or change insurance and thus reduce its cost. The purchase of a home loan takes a little more time, and especially often involves quite large sums. That is why it can be tempting to ask an organization to take the necessary steps. But the brokerage fees can be of the order of 5% of the amount of the new credit, so it is necessary to measure well whether the interest to involve a broker is essential considering his remuneration.

C. Purchase of profitable revolving credit

C. Purchase of profitable revolving credit

Redeeming one or more revolving credits is often a good opportunity to save money on their repayment. Indeed, the rate of a revolving credit is said to be “variable”, that is to say that it can evolve over time, either upwards or downwards. A revolving credit is increasingly regulated by legislation because the rates offered are high and obtaining such credit is less complicated than a personal loan. So do not hesitate to ask for a redemption for all of your revolving credits so you do not lose money by repaying it. To ensure its profitability, you must take into account the total cost of reimbursement against the total amount of your new credit. In addition, the monthly payments of the new credit may be lower, and so you can spare your monthly budget and find more purchasing power.

The simplest way to compare several credit buy offers is probably to make the comparison through a table. In order to help you, we offer you an example of credit buy comparison to find the most profitable way.


The repurchase of credit is often a useful solution to bring together all the monthly payments of several credits. But do not forget that a credit redemption is also an opportunity to save money by taking advantage of new offers offered by competing institutions. Several solutions exist to buy back its loans, be they consumer loans, revolving loans or mortgages.

There are many ways to buy back credit, if you want to know more you can consult our file on the different ways to buy back credit. In the case where your purchase of credit relates to a consumer credit, you can directly consult our thematic file on the subject: how to obtain a buy back of consumer credit.

Determine the credit surrender rate /determine-the-credit-surrender-rate/ Thu, 16 May 2019 14:06:13 +0000 /determine-the-credit-surrender-rate/ The repurchase of credit can concern the mortgage, but also the consumer credits. When a borrower accumulates several credits and wants to reduce his monthly payments or finance new projects he can request a repurchase of credit. A lending agency then collects all the credits in one by re-determining the rate, the monthly payments and the duration of the loan.

Redemption of Credit: APR

Redemption of Credit: APR

When talking about the rate of a loan, it’s not just about looking at the interest rate on the amount borrowed. It is also necessary to take into account the ancillary expenses and the expenses of file. At the time of the repurchase of its credit, the borrower must be interested in the Global Effective Annual Rate (APR) which takes into account all these parameters. This is the reference rate for evaluating the profitability of the credit surrender.

Redemption of Credit: Market News

Redemption of Credit: Market News

Interest rates change and can vary greatly depending on the activity of the financial market. To determine its redemption rate, it is therefore necessary to keep abreast of current interest rates and benefit from a decline, if this is the case for example.

Redemption of Credit: Current Credits

Redemption of Credit: Current Credits

The repurchase rate of credit finally depends on the credits concerned. It is necessary to take into account the interest rates of these credits and to ensure that the repurchase rate is lower than the previous ones. It is also important to look at the remaining duration of the credits. If the borrower has already repaid a large portion of his credit, he must negotiate a shorter credit surrender. For example, for a loan provided for 60 monthly installments of which 36 monthly payments have already been paid, the repurchase rate of credit is determined over a period of 24 months and more than 60 as at the outset. Interest rates can then be more interesting. The remaining duration can also be redefined and extended to allow lower monthly payments.

Payday loans for bad credit people -Payday loan application & quick approvals /payday-loans-for-bad-credit-people-payday-loan-application-quick-approvals/ Fri, 26 Apr 2019 07:47:21 +0000 /payday-loans-for-bad-credit-people-payday-loan-application-quick-approvals/

Interest-free loans have become increasingly needed lately. Users are tempted by offers where the borrower does not need to pay a commission. However, before you decide to apply for this interest-free online loan, Jim will explain the details of this loan. So that later you can decide how much you really need and avoid unexpected things from this loan.

Payday loan application & quick approvals

Online payday loans have been known to be more effective in terms of cost and time so that the costs ultimately charged to borrowers are also lower. Don’t hesitate to apply here…

We understand that everyone can face difficult situations and not always get the money you need at the right time, so we are committed to lightening your burden.

Not only that, but we also offer low interest for your next online loan. 

Can this type of loan be trusted?

Not everything is reliable so you have to be very careful. Many loan providers offer 0% interest, but in the end, cheat the borrower by entering other surcharges into the bill.

It is important for you to pay close attention because even if you feel happy with an interest rate of 0%, the reality is not. We advise you to read all the points in the contract carefully before signing or making a decision. Annual Equivalent Rate is the most important for you to pay attention because it reflects all the additional costs and actual interest.

In addition, if you make a loan with a bank, make sure you are not charged an opening or cancellation fee. You must actively ask because the bank will not notify you directly.

Also, make sure you comply with and in conditions that allow you to comply with the contract that you signed because you will be penalized if you violate the contract.

What happens if you don’t return the money on time?

If you apply for a loan or credit to a financial institution, you will be asked to sign a contract. Pay close attention to the contents of the contract because there will be written sanctions relating to violations of the points of the contract. Violations of contracts that you have agreed to can cause you to be blacklisted ( blacklist ) and will experience difficulties in applying for loans anywhere, except Jim

Requirements for applying for a loan without interest

Requirements for applying for a loan without interest

Only need to fulfill the very basic requirements to get an interest free online loan from Jim even though you are on the blacklist, namely:

  • Has a legal age
  • Have a residence address in Indonesia
  • Have a bank account in your name
  • Have a steady income

As you can see, the requirements for an interest-free loan from Jim are very simple, submit a loan at Jim and get out of your financial problems today!

What is an interest-free loan?

What is an interest-free loan?

An interest-free loan is a financial transaction that is carried out without commission or additional fees. The emergence of this type of loan is due to the increasing lending providers competing to offer attractive and quality services to clients and prospective clients.

Because of competition and the high demand from the public, the Bank and private financial companies also decided to offer this type of interest-free loan to their clients. However, Jim recommends that you always look at the Annual Equivalent Rate because many of the loan providers will continue to charge commissions or interest when viewed annually.

Types of Interestless Loans

Interest-free loans can be classified based on the borrower’s time period, amount and economic situation. In this Jim article, we have chosen the most attractive interest-free loans, so you can save your time reading too many related articles.

Interest-Free on the First Loan

The interest-free facility on this first loan is one of the best-known types of interest-free loans. This facility is offered by the loan provider to attract customers and make it feel the benefits and services of the loan provider and then make a loan.

But on the loan, you will still be charged a commission. Next is your decision to make a loan or not, so you can still enjoy the interest-free facility/commission.

Micro Credit

Microcredit or interest-free microfinance loans is possible because the economic value of the interest is very small. Interest charged to borrowers is calculated as a percentage of the loan amount. If the amount borrowed is small (micro) then the interest will fall too small, which many consider it not to flower.

You can get this type of loan from Jim online. You can choose the loan amount from Rp. 500,000 to Rp. 4,000,000 which is classified as a microloan or microcredit, so the interest charged to you is economically small. Get micro online loans from Jim here.

Rescheduling installment loan /rescheduling-installment-loan/ /rescheduling-installment-loan/#respond Fri, 08 Mar 2019 12:32:25 +0000 /2019/03/08/rescheduling-installment-loan/


An installment loan often has a term of several years. Much can happen during this time. Often there is a desire to repay an installment loan prematurely or to take a rescheduling for a installment loan in attack. This can be the case, for example, when the general interest rate level has fallen and an installment loan is available today at significantly better terms. In principle, debt rescheduling is possible at any time. However, the notice periods for the old installment loan must be observed. In addition, the bank is generally free to demand a prepayment penalty from the customer if he exercises his right of termination. Here, it is advisable to study the relevant provisions in the credit agreement and then make a decision as to whether rescheduling in a specific case makes sense.

Credit conditions

For a rescheduling of an installment loan apply in about the same conditions that are binding for another loan. This means that a debt rescheduling is generally only possible if the income is sufficiently high and if there are no negative private credit entries that speak against a renewed borrowing, because with a loan, which is to be used to reschedule another loan, it is basically a new loan. The bank will check in each individual case whether the conditions for a loan are met, if not, it is often difficult or even impossible to restructure debt.

A personal loan may be an alternative to a bank loan. Here, the conditions can be individually negotiated and made much more flexible than is possible with a bank loan. However, a fixed income, which allows the repayment of credit installments, should also be available here. Anyone who is interested in a loan from a foreign bank can do so in principle. For German citizens, there are also various ways to obtain a loan installment abroad and to use this money to reschedule an old loan.

Loan comparison

Loan comparison

Debt interest plays a crucial role in a credit comparison. If they have dropped significantly in the past, it always makes sense to consider rescheduling. Before making the decision, it is advisable to offset the possible interest savings with the prepayment penalty, which will be calculated in the specific case. Only when it comes out a significant plus, a rescheduling of a installment loan should be tackled.

Basically, debt rescheduling is possible at any bank. It is not necessary for you to limit yourself to the offers of your house bank or the bank that approved the old loan. Especially if you take the time to look for a suitable loan in peace, you will find offers that are often significantly cheaper than your previous offers. It would be ideal if you opt for a credit comparison on the Internet. There a variety of installment and consumer loans are offered, which are generally at leisure. Many of these installment loans are offered by direct or internet banks. They are very low interest because these banks can save considerable costs by eliminating a branch network. It is often possible for you to get a loan that you are more interested in apply immediately after the loan comparison. This applies regardless of whether you want to use the money for a rescheduling of a installment loan or to finance consumer goods.

With a credit comparison on the Internet, a comparison computer can serve you well. Such a comparison computer is often a fixed component of a credit comparison portal. The use of the comparison calculator is as free as the credit comparison. You can find out there and calculate an individual offer without being obliged to make use of this offer. Important search criteria for a suitable loan offer are the loan amount, the monthly loan installment, the term and the interest rates. Here you can enter your desired amounts in a search mask, then press a button to calculate and receive a tailor-made offer that meets your needs.

It is recommended to repeat a loan comparison from time to time or periodically. There are several reasons for this. Of particular note is the fact that interest rates and other conditions are constantly changing with regard to the credit offers that are on the market. If you have purchased an installment loan and can discover a cheaper offer after a few months or years, you are free to consider rescheduling the installment loan and, if you find a suitable offer, to tackle it as well.

Application and authorization

For a rescheduling of a installment loan, various steps are required. First, you need to look for a suitable loan offer. If you have found a suitable loan, you can submit the application on the Internet. If the bank has a branch in your area, you are, of course, free to visit the branch and complete the formalities there. In any case, you must complete a form provided by the bank and enclose various documents proving your solvency. Which documents are these will be communicated to you with the application. In any case, current income proofs are needed. In addition, the bank will request a copy of your employment contract. As far as possible, this employment contract should not be limited in time, but indefinite. Is your income not enough for security.

If all documents are complete and correct, a private credit information will be requested. However, this only applies to a German bank. Foreign banks or individuals who lend a loan refrain from accessing the private credit information. If all credit requirements are met, the money will be transferred within a few hours or days. Now the remaining balance still open at this time can be replaced. The repayment of the loan is now to be made to the bank, which has approved the rescheduling of the installment loan.

Rescheduling a installment loan can not be just a debt restructuring of a single loan. It is also possible to combine several loans into a single loan. With this variant, not only can interest be saved, but there is also the chance to gain a much better overview of one’s own financial situation. If two or more loans have been replaced and there is now only one loan, then only one monthly loan installment will have to be paid to a single body.

In the context of a rescheduling of a installment loan, you can also think about whether you have additional financing needs. If you have the necessary conditions, there is nothing to prevent you not only replacing the old loan, but also taking in more money than you need to replace it. This variant is particularly suitable in the event that you not only reschedule a installment loan, but also want to finance some consumer goods.

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Debt rescheduling with negative private credit /debt-rescheduling-with-negative-private-credit/ /debt-rescheduling-with-negative-private-credit/#respond Thu, 07 Mar 2019 15:24:12 +0000 /2019/03/07/debt-rescheduling-with-negative-private-credit/

Quite a few people pay off several loans at the same time and find themselves in financial difficulties in the face of this huge debt burden. It does not matter whether the debt incurred is a so-called department store loan, a drastically overdone checking account or a classic consumer or installment loan. The higher the number of creditors to serve, the lower the personal financial leeway per month.

The note of a negative private credit entry seems inevitable in such a situation. Consumers who, at the latest from this point of time, become aware of their mismanagement and want to act against it, should familiarize themselves with debt rescheduling with negative private credit and use their potential for their own purposes.

A rescheduling with negative private credit can lead to a better credit rating

Both current payment obligations and other types of credit agreements can lead to a negative entry in the private credit card index. At the house bank, the chances of success for debt rescheduling with negative private credit are therefore extremely low. Against the background of strict laws and internal guidelines, the consumers concerned usually receive a rejection of the loan application.

Anyone who receives a commitment to rescheduling with negative private credit can on the one hand be lucky and on the other hand, highly likely to look forward to his personal credit rating. The fact that debt rescheduling is only economic if the interest or the total amount of the loan once taken is reduced in favor of the debtor increases the monthly budget and thus the credit rating. Although a loan without private credit is usually higher in terms of the calculated interest, the savings can be significant.

Credit intermediaries offer extensive support

Borrowers with the necessary interest in changing their existing payment obligations can save a lot of time and nerves by turning to a loan brokerage directly with their desire to reschedule with negative private credit. It is helpful if the debtor prepares and calculates the total debt rescheduling amount and thinks about the maximum amount of the future installment.

At the latest at an on-line inquiry such questions must be answered by the potential borrower. If the appropriate details are available to the credit intermediary, they can request offers and, if necessary, tailor them individually to their respective needs. By soliciting multiple bids, debtors can benefit from a high level of transparency as well as from a large savings potential when rescheduling with a negative feature in their own private credit card index.

Since the respective requests are usually time-critical endeavors, the processing time is usually fast and uncomplicated. Anyone submitting their application via the Internet to a well-known and at the same time reputable credit intermediary will usually be informed of an acceptance or refusal within a few hours. Both cases, however, are not binding and offer plenty of scope for further negotiations. Only when the applicant has opted for a credit institution and has provided the necessary proof of income can a final decision be taken on the previously filed application for debt restructuring with negative private credit.

Increase the chances of obtaining a debt restructuring

In light of the fact that a negative private credit entry makes it much more difficult to take out a loan to reschedule existing payment obligations, it is usually advisable to name a guarantor with a good credit rating. In the event that the actual borrower can not settle his debts, the so-called second borrower has to pay for the outstanding loan installment. Despite these, in theory unpleasant circumstances, the interest burden on the indebted borrower can be significantly reduced and provide real added value.

In principle, it is important that the guarantor himself has a faultless private credit as well as a sufficiently high income in relation to the desired loan for the rescheduling. A closed life insurance policy can also help significantly improve the chances of obtaining a debt restructuring loan.

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Solution to Problems with a Lack of Cash /solution-to-problems-with-a-lack-of-cash/ /solution-to-problems-with-a-lack-of-cash/#respond Thu, 24 Jan 2019 09:51:27 +0000 /2019/01/24/solution-to-problems-with-a-lack-of-cash/

Finance issues are usually a difficult topic, we do not like to talk about them, especially when the wallet is empty, but it is not worth breaking down because problems with the home budget can always be solved. It is better not to borrow from the family, do not spoil mutual relationships – a much more advantageous solution is an online installment loan.

The loan solves problems with cash

The loan solves problems with cash

An installment loan is a great way to get out of financial straits or budget support when there is no shortage for small expenses, but with the purchase of something going beyond everyday needs, it is not so easy. That’s why online loans have become so popular today – young and old are taking them because the upper age limit is very high. Even your grandmother can take out an installment loan to make a beautiful gift for grandson for communion or go on holiday to improve your health.

What is a loan?

What is a loan?

If you are wondering what a loan is at all, in a moment you will complete your knowledge. The loan is nothing else but the conclusion of an agreement between the lender and the borrower. On its basis, the lender lends money, the other party commits to repay it. Of course, this is not an indefinite contract – the repayment date is precisely defined, so keep it strictly. You do not want to pay penal interest? And it happens when we pay the loans installments inadvertently.

Loans – key information

Loans - key information

The most important question that people interested in loans ask themselves is – can I take a loan? As mentioned, online installment loans can be taken by virtually everyone, on the condition that they are 18 years of age and have an ID card. For verification purposes, a bank account is also required. It will not be possible without a mobile phone, when additional verification is needed. It is also sometimes necessary to present documents certifying our income, but not in the case of Polygrap. Here you just have to complete the application and sign the contract delivered by courier at a time and place convenient for the client, and the money will go to your account almost immediately. Maybe also to you if you decide to take out a loan online?

How much can you borrow?

How much can you borrow?

The loan amount may vary depending on the offer of the company you choose. Polygrap has prepared for you an excellent offer from 1500 to even 5000 PLN spread over 6 to 30 equal installments. Online installment loans are for a larger amount compared to payday loans, hence they can be a big support for the family budget in case of unexpected expenses. In the end, it is better to use the larger amount of the loan repaid in the longer term than to support many payday loans with a short repayment period. Remember to pay attention to the repayment dates, and if such matters fall out of your head, you can mark yourself in the calendar when this day falls.

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What to Remember About When Choosing a Loan Company? /what-to-remember-about-when-choosing-a-loan-company/ /what-to-remember-about-when-choosing-a-loan-company/#respond Wed, 09 Jan 2019 09:02:08 +0000 /2019/01/09/what-to-remember-about-when-choosing-a-loan-company/


Borrowing is efficient and safe today, all you have to do is choose a company that reflects our expectations. How do you do it? More and more often when we look for external financial support, we decide to apply for a non-bank loan. Then the problem arises: which company should you choose? Here are some tips to help you choose a loan company.

What is a loan company?

What is a loan company?

Loan companies grant loans from their own funds and shareholders, so you can not confuse the non-bank institution with the parabank. Non-bank companies provide financial support efficiently and without unnecessary formalities. When the bank did not grant us a loan, we can use non-bank loans.

The lenders give short-term cash loans and installment loans. Short-term loans are for lower amounts and should be returned once. Loans on installments, on the other hand, are spread out into convenient parts for our budget and we pay them back according to the repayment schedule.

Do you want to take out a loan? Check what to look for

Do you want to take out a loan? Check what to look for

When there is no savings, it is worth thinking about a loan. However, before deciding on a specific offer, it is worth considering its most important parameters.

  • non-bank loan costs – thanks to the so-called anti-usurping law, lenders can not charge costs according to their preferences. There is one common model for each non-bank institution, according to which the loan costs can not exceed 25%. its value plus 30 percent. throughout the year. But you still have to pay attention to the commission or the interest rate. It is they who decide about the amount we will later pay back,
  • credibility of the loan company – how to check the reliability of a loan company? the lender should appear in the National Court Register and in the business register. In addition, it should have a Tax Identification Number and a number in the National Economy Register. Particularly inquisitive people can personally visit the company’s headquarters. It is enough, however, to check whether the address and telephone number provided on its website actually exists,
  • free early repayment option – a loan with the possibility of early repayment is a great convenience for many people. Sometimes we get a sudden surge of cash and we can return the liability ahead of schedule, which will reduce the cost of the loan. However, you need to check whether the lender provides such a possibility,
  • attractive promotions for new borrowers – more and more often loan companies offer free first loans, but not only. You can also get a favorable discount for persuading a friend to sign a contract that will show us as a referral person,
  • opinions of other clients – many opinions about the company will also be given to the opinions of previous customers. It is worth to follow them, especially when one negative recommendation follows the other – then it is better to forgive such a lender.

Where to take out a loan?

Where to take out a loan?

Knowing what to do when choosing a loan, we have to choose the best offer. You can search for them in the cash loans rankings, suggesting which offers rank first. It is worth using them to avoid wasting time searching for reliable lenders. When we need cash, we will need an installment loan.

When we decide on a specific non-banking institution, we have to sign a contract. For sure, read the document point by point to ensure that the selected offer meets our expectations. Both in terms of the costs necessary to incur, as well as conditions related to taking or paying off the loan.

Keeping in mind the above recommendations, you will not encounter any difficulties. We are also happy to sign another contract when we will need financial support again.

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