The requirements for borrowers set by banks mean that many people have no chance of getting a payday loan. However, the range of financial products, both banking and non-banking, is wide enough for everyone to find an offer ideally suited to their needs and repayment options. An ID card payday loan is certainly an excellent alternative for those who do not have permanent employment, good credit history or an appropriate income level.
Anyone who has ever applied for a payday loan at the bank knows how much time and nerves they take for any procedure. Verification of the submitted application always takes place in stages and never ends with one visit to the facility. It is crucial to carefully examine the material and family situation of the potential borrower in terms of his creditworthiness. The basic document to be provided is a certificate of employment. In it you can find information about the type of contract, work mode and period of employment.
However, this is not the end because, additionally, a certificate of income will be required, which is not necessarily obtained solely from the employment contract. Of course, the most optimal situation is those who have a contract for an indefinite period, and at the same time their earnings remain relatively high in relation to the amount of possible payday loan installments.
It is worth emphasizing that in the context of granting a specific amount of traditional credit, the issue of credit risk is extremely important. That is why the debt bases are checked so carefully. This is particularly true for the Credit Information Bureau (BIK), but also for the National Register of Debtors (KRD) and the Economic Information Bureau (BIG).
In recent years, there have been a lot of interesting proposals for people employed under civil law contracts, irregularly received income, also from other sources than work under contract and unemployed people who have a bad credit history or even indebted people. One of such offers will be a payday loan for evidence without a certificate. This solution is often used by people who do not have the possibility to take a private payday loan . The small number of requirements to be met makes this solution more and more popular among clients of financial institutions. It is absolutely necessary to meet only a few of the following conditions:
Looking at the list of requirements, it is really hard to be surprised that payday loans for evidence are so popular. The conditions are not only extremely attractive, but also very flexible. Sometimes only an ID card and a mobile phone are enough.
The greatest advantage is certainly the limitation of formalities, and above all, the lack of the need to provide the entire file of documents and certificates from the workplace. This makes it much easier, and at the same time speeds up the entire procedure of verification of the payday loan application. Sometimes only a declaration of the amount of income obtained is enough.
The element that streamlines the application process will also be the lack of the need to look for a stationary facility. Modern and fully automated processes for granting credit for evidence via the Internet take only a dozen or so minutes, and transfers are processed immediately after acceptance of the application. This saves time and ensures a high level of comfort in dealing with the whole matter. There is even no need to declare what the payday loan money will be used for as proof.
What is important, even forms of those who can not prove high scoring in the BIK database or have negative entries in business information bureaus may be positively verified. This largely widens the group of borrowers.
The amounts that can be obtained under the payday loan as proof depend on the specific financial institution, as well as the time of crediting. Short-term payday loans are concluded for a maximum of 60 days. In this case, the payday loan amount is from PLN 100 to PLN 6,000. In the case of installment payday loans, this amount may increase up to PLN 25,000, but then the repayment period is extended to 12 months.
It is also worth emphasizing that there is also the possibility of extending the payday loan repayment time, shortening the payday loan period by settling the debt earlier or withdrawing from the contract at a given time (usually it will be 14 days).
Proof payday loans are a great solution in the event of a loss of financial liquidity for those who value time, flexible verification conditions and comfort of handling. At the same time, it must be remembered that all debts must be repaid on time. That is why it is so important to look at your home budget in terms of even the smallest financial commitment.
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