A loan – where I will definitely get it

There are institutions in Poland that will almost certainly grant everyone a cash loan. Such companies, however, want a lot of it, are they right? But the truth is that in a crisis the price of the loan is not important, more important to definitely get it.

Until recently, the leaders on the Polish non-banking market were undoubtedly Provident and the Credit Chwilówki company. Today, however, this has changed, and just as these institutions once dictated the conditions, now they must adapt to the standards and prices currently in force in Poland.

The large influx of non-bank companies providing private loans

The large influx of non-bank companies providing private loans

From abroad and the newly established domestic companies with equity have made this market very competitive, which resulted in a reduction in prices and costs of quick loans, such as payday loans.

However, are there any institutions that will grant everyone a loan in a crisis? A loan can be expected by all those who, apart from obtaining steady, documented income, have an impeccable credit history in such databases as Credit Information Bureau. These people, however, probably do not use the services of non-bank companies because they know that a loan in a bank will be cheaper.

The situation is different for people working in the dark or on so-called “junk contracts”. And although it happens that these people are already indebted and even have arrears in their current obligations, they decide to take out another loan.

They are often forced to do so by a difficult situation, another unexpected expense that must be incurred regardless of the price. Therefore, several non-bank companies operate in this sphere, earning on such clients, but also incurring the considerable risk, which is associated with the payment of money to uncertain clients.

Where will they grant us loans today?

Where will they grant us loans today?

People with financial arrears and undocumented income will find it difficult to get a loan anywhere. However, there are companies that are willing to borrow money on the statement and without checking in the Credit Information Bureau, they include Good Finance. These companies do not require our visitors to their facilities, and you can apply for a loan online without leaving your home.

People who own property in the form of, for example, an apartment, can apply for a loan against it. In their situation, the lender will definitely grant a loan with real estate collateral. Unfortunately, many people lost their homes in this way, overestimating their real debt repayment options.

In which bank will I get a cash loan without documents?

Almost all banks have offers on click and this should be a reward for regular customers transferring their salary or maintaining a stable income. Repeatedly, such a client received large sums of money because of the fact that such conclusions do not always reach the analyst. Therefore, if the system is so, the bank employee only has the task to complete the process and sign the contract with the client.

In which bank will I get a cash loan without documents?

In which bank will I get a cash loan without documents?

  • Good Finance – this bank offers a very simple process for regular customers transferring their salary. Usually, different amounts are available but the maximum may be about USD 50,000 gross, however, depending on the offer, this amount may be correspondingly smaller. Usually, it is about 20,000 USD and the process looks like no documents are provided, only income is declared. The analyst does not verify the entered data, therefore the admissibility is very high, and after submitting the application and checking the price, we can sign the contract.
  • Good Credit – in its offer it has the most such offers wherein pesel the system prepares an offer on a click, which is only a formality. The bank calculates the amount based on turnover, therefore, even without permanent remuneration transfers, you can apply for high amounts depending on what the system suggests. We provide the bank with an application, income statement and ID card scan, and we process on this basis where it is not always necessary to confirm the income with the analyst. The offer is also available for sale from brokers, what is more, even having such an offer in the system, you can get cheaper, e.g. by writing to me.
  • E-Money – the offer on a click is available only directly in the bank after providing the PESEL number. The system based on the turnover in the account will present us with an offer and then in a few steps, we will be able to enjoy the funds.
  • E-cash – just like in other banks, you can check in the system whether there are any offers for us or go directly to the branch. These offers are not available to brokers, so I can’t determine what to count on.

I am interested in the offer and what should I do next?

I am interested in the offer and what should I do next?

Write to me if you have questions because I have helped my clients many times in difficult situations. Offers for statements are a very good thing if our ability is not enough or if we have a problem to document income.

How to apply for Government Agency Loans: Online procedure and application method

How to apply for Government Agency loans, what are the procedures for obtaining these loans at subsidized rates and which requirements must be respected? The Government Agency Social Institute loans correspond to a rather complex offer, in which direct loans and those in agreement find space.

The ones we will discuss are direct funding, or directly managed by the Social Security Institute. There are two proposals, the Small Loan and the Multi-year Direct Loan.

The two public credit lines share these two lines of credit, i.e. civil servants and pensioners enrolled in the unitary management of credit and social benefits. The worker with a fixed-term contract can obtain and repay the loan only while his employment contract is active.

Social Institute loans for civil servants and pensioners: how to send the application

Social Institute loans for civil servants and pensioners: how to send the application

We come to the modalities relating to how to apply for Government Agency loans. Direct loans must be requested online, the services of the Institute’s official website ( Social Institute.it) will be used. The application procedures change, in detail, according to the funding examined.

The application from employees must be provided to the Institute by contacting the reference administration. Retirees, on the other hand, can use online services or patronage.

On the pages ” Apply for a small loan for Unitary Management of credit and social benefits” and “Apply for a direct multi-year loan for Unitary Management members”, manuals are available which detail the procedures.

Government Agency loans: rates and duration of direct loans

Government Agency loans: rates and duration of direct loans

In addition to having seen how to apply for Government Agency loans, we analyze the general characteristics of these loans. Small Government Agency loans provide a repayment plan structured in a period ranging from 12 to 48 months. They allow you to enjoy a fixed rate of 4.25% and do not concern particular uses.

Multi-year Direct Loans are associated with two types of repayment plan, five or ten years. It is a credit line based on the assignment of the fifth. The request for funding must be pertinent with the purposes set out in the Social Institute regulation. The interest rate is lower than the Small loan, it corresponds to 3.50%.

With regard to direct Government Agency Social Institute loans, therefore both the Small loan and the Multi-year direct loan, an online calculation function is available on the Social Institute website. In this guide you will find all the information to perform the simulation of the repayment plan.

Related articles related to Social Institute loans ex Government Agency

Related articles related to Social Institute loans ex Government Agency

  • Small Social Institute loan rate and Government Agency 2017, Credit Guide

    The Small Social Institute ex Government Agency loan rate is one of the most interesting in the area of ​​products intended to face unexpected expenses. But what are the access requirements, how to request it and what are the other refund conditions? Here are all the answers…

  • Loan Calculator Government Agency Online 2019 – Simulation Guide

    What is the best loan? There is no valid answer for everyone, each applicant has different characteristics. A good universal principle for examining a credit line is the simulation of the amortization plan. For those interested in the proposals…

  • Small loan for civil servants: subsidized rates for unexpected expenses, guide

    The Small Loan for civil servants represents one of the most attractive credit lines for those who need liquidity to face unexpected expenses. What are its characteristics, how to get it and what interest rates do you expect? Here is the information…