The era of paper certificates about the income needed to get a loan has long been behind us. Here are companies in which a loan without certificates is available with the possibility of monthly installments repayment. http://lostnomad.org for an assessment
Once, to obtain any loan or loan, it was necessary to provide a certificate of income. In banks, very often such a document is necessary to obtain a loan. However, it looks slightly different in the case of loan companies. Today I will focus on companies that allow you to get a loan without monthly payment certificates and the amount of loans can reach up to PLN 25,000.
Of course, I suppose that each of you is well aware that although obtaining a non-bank loan is much easier than a bank loan, this solution is not free of drawbacks. The biggest drawback you need to know is obviously the cost. While not reaching a large loan amount with a relatively short repayment period, we will not incur too high costs, by deciding on a longer repayment period and a larger loan amount anyway. Such loans, however, are not taken in the dark. Each loan company has a tool on its websites, through which we can simulate such a loan. Let’s calculate with it the exact amount of the loan installment or the total cost we will have to incur when deciding on such a solution.
Firms in which a loan is available without payment certificates
Most companies do not require additional borrowers for a simple reason. These companies use automated verification methods, such as for example instantor is described not so long Cantomatic. Such systems, in addition to allowing verification of the bank account holder, also give additional powers to the loan company. We talk about access to the history of receipts on our account, thanks to which the company can estimate what our creditworthiness is. In this way, the company will verify whether we have appropriate conditions to repay the loan.
A loan up to PLN 25,000 without installment certificates
The largest non-bank loan available in installments is now offered by Lapuda Cash. The amount of the loan can be up to PLN 25,000 and the repayment period can be up to 48 months. Although our income certificate will not be required, it will be necessary to confirm the influence of the person who will be an additional guarantor of the loan. The Rapida company belongs to companies that grant loans with a mortgage. This means that you must have an additional person to get a loan. Such a person should have adequate creditworthiness as well as a positive credit history. Only in this configuration is it possible to borrow through Lapuda Cash. It is impossible to hide that this is an offer typically addressed to those people who have a problem with obtaining a loan or a loan. Most often for specific reasons, hence a negative credit history in Retrodatabase, a bailiff’s occupation or are entered in the debtors’ registers.
A loan without income certificates via the internet
Another offer of loans without certificates and also repayment in monthly installments is Laptyo’s offer. This is undoubtedly one of the most interesting proposals among companies with non-bank loans in their offer. First of all, the offer is characterized by not excessive costs as for this type of loan, and moreover, the Internet route is available completely. Through Laptyo, you will be able to borrow up to PLN 10,000 and the loan repayment period can be extended to 36 monthly installments. The loan is available without any certificates, because the company uses an external verification system, which I had the opportunity to mention above – namely Instant. Thanks to this, we can receive an extra injection of cash in installments in a very quick way, which will be credited to our account even within a dozen or so minutes of considering the loan application.
Tailored loan in installments up to PLN 12,000
Flex Loan is another offer that I could recommend to people looking for a loan without additional certification. The company’s offer includes loans up to PLN 12,000 with a repayment period from 2 to 24 months. This is undoubtedly a good proposition for people who either do not fully know what loan offer to use or have a problem with obtaining it. Flex Loan can help us if it is difficult to obtain a non-bank loan. And the difficulty in obtaining a loan can be many, ranging from debts in databases, too low age to other complicated situations that are an obstacle on the way to obtaining extra cash. If we can not deal with them ourselves, it is worth taking advantage of the ready solution at that moment.
A loan with a quick decision up to PLN 10,000
When looking for a company in the offer of which a loan without payment certificates would be at your fingertips, it is worth to direct your search towards the Ferratum offer. This company has been operating for several years on the domestic installment loan market. The company’s offer includes long-term loans, the amount of which can reach up to PLN 10,000, and the loan repayment period may last up to 24 months. If we do not want to involve a contract for a longer period of time, we can use another solution offered by the company. It is a standard 30-day loan, i.e. a loan with quick repayment. If we are a new customer of the company, we can use the available promotion, under which the first loan will be obtained for free. This is an ideal solution that we will not incur any costs associated with obtaining a loan. However, we must remember about the timely repayment of the loan.
A quick installment loan without certificates up to PLN 15,000
Another option for a quick loan without credentials may be the Super Penny offer. This is an offer under which you will find loans in the amount of up to PLN 15,000 and the loan repayment period may be divided, depending on our needs, from 2 to 48 months. However, it can not be concealed that if we think about a longer repayment period, we should carefully analyze the cost of the loan using the calculator available on the website. A larger loan amount and an extended repayment period will always involve higher costs. To obtain a loan through the Super Penalty, it is basically just an ID card, an active bank account and a mobile phone.