Where Will We Get a Loan for PLN 0?

 

Loan companies are trying to attract new clients as effectively as possible. And you can safely say that in this respect they are real masters. Namely, loan companies have been offering a promotional financial product for a long time, which is a payday for PLN 0. This means that loans are granted without additional costs. But the condition for granting them is to be a new customer. Criticism at http://123web-directory.com

Individual loan companies offer specific loan limits. Namely, we can borrow the most as new customers at Hypocredit. This loan company is able to give us a refund of PLN 1,600. However, one of the lower loans will be obtained at GlobeLoan. There, we will be able to borrow no more than 600 zlotys.

The condition to receive a free loan

The condition to receive a free loan

The loan will not be charged any additional costs provided that we repay the entire amount on time. If we start to delay the regulation of debt for one day, loan companies will start to charge us with interest penalties. We will also be required to pay a fairly high amount for postponing the repayment date. Another month for repayment will be combined with fees amounting to as much as 25 percent of the debt incurred.

Quick payday loan!

szukanie odpowiedniej pozyczki

Payday Loan, or a cash loan owed its name not only to the fact that it is granted only for a moment. But we can also expect that the money borrowed very quickly will be on our account. However, in order for it to actually happen, we have to fulfill some basic conditions.

First of all, our verification should go completely smoothly. Therefore, we can not demonstrate the lack of identity card, permanent residence in Poland or the lack of regular income. Our surname should not appear in the databases. In this way, we are checked if we do not have any outstanding debts. What, unfortunately, could contribute to a negative decision.

The last factor is having a bank account that is preferred by a specific loan company. Then, with all favorable factors, we are able to receive money even within 15 minutes of approval of our application. And if we receive a positive answer, but we will have a personal account in another bank, then we will be able to wait until the next business day on the transfer. For people who are waiting for a quick injection of cash, this information can unfortunately be uncomfortable.

Do We Have a Chance for Cheap Loans?

The financial sector in the sale of non-cash loans is becoming increasingly problematic. Such a result was not accidental. Because payday loans are much easier to get now than loans in traditional banks. First and foremost, customers do not have the hard credit rating they need to show, and many companies do not check the financial situation of the customer in the Credit Information Bureau.

However, loan companies, although at the beginning of their activity, independently set the rules of the game, have been under greater control of the Polish Financial Supervision Authority for some time. In addition, the Office of Competition and Consumer Protection is responsible for them. The more payday payments are given, the more interest the listed offices show. As a consequence, regular changes have been introduced for some time.

Lower payday costs

Lower payday costs

Until some time, the payday loans from banks were different mainly because customers did not know exactly what costs they would incur as loans. I guess you do not have to guess for too long that the talk is really very high amounts. Therefore, the Polish Financial Supervision Authority has introduced a provision regulating the interest rate. At the moment, it can not exceed four times the Lombard rate of the National Bank of Poland.

In addition, there is still a plan to cut costs charged outside interest rates. And here such a move would have a very strong impact on non-bank companies themselves. Namely, smaller companies, managing much smaller capital and at the same time focused on pure profit from borrowing costs, would disappear entirely from the financial market. But not only. The leading companies in Poland will also see a drop in profits. These include, among others, Express Cash Register or Tongabank. Could this mean the end of a career for almost 1/3 of loan companies?

The project of cost reduction

The plans include mainly the provision for non-interest costs. They should not exceed 25 percent of the total loan. At the same time, we can expect that in each subsequent year we will only be credited with 30 percent of the full payout taken.

Another suggestion is to add all costs of a payday in a period of 120 days, or 4 months. Therefore, if the client extends the loan repayment period, it will continue to be in force as in the case of repayment. It is not to be concealed that currently it is the highest non-bank revenue ratio for the time being. Some of them even amount to 50 to 200 zlotys for sending a reminder with a reminder of repayment of the loan. And after the project comes into effect, it will be a decidedly high amount.

According to the planned laws, consumers will be protected. But unfortunately, many non-bank companies in this respect will most likely have to close their operations. So far, no final decision has been made whether the project will come into force or only stay at the planning stage.

Office of Competition and Consumer Protection

Office of Competition and Consumer Protection

Dunkor is beginning to become more and more interested in what costs are charged by non-bank loans. For the time being, the activity of this institution was limited to contacts between companies and consumers who could not resolve disputes on their own. But there are many indications that it will soon be in charge of all matters related to loan companies. In this way, the Financial Supervision Authority could make up for its arrears.

Where to Quickly Borrow Money with Any Loan History?

Good reputation and constant contact with the microfinance company will ensure uninterrupted cash flows in a difficult financial situation. Permanent borrowers of any large MFI can quickly borrow money on the card is not difficult – the robot program will process the application in a couple of minutes. A request for a small amount will receive a positive decision from citizens with any payment rating. customvmail.com for clarification

Where to quickly borrow money? List of companies

Where to quickly borrow money? List of companies

MFI Percent Amount
CashMan best MFI from 0% up to 60 000 
Surf-Loan % for new customers from 0 up to 30 000 
Domo Zeifer from 0.63% up to 30 000 
Credit One from 0.23% up to 30 000 
S-Carrot without failure from 0% up to 30 000 
Cash Immediately % for new customers from 0% up to 30 000 
Loan Plaus % for new customers from 0% up to 30 000 

We represent microfinance organizations where every adult Russian can urgently borrow money. If, when contacting bankers, it is necessary to collect a whole list of papers to confirm creditworthiness, the MFI will believe right away – from the moment the application is submitted until the money is received in the account, even an hour will not pass.
When making a request online, you only need a passport. The potential borrower fills in all the fields independently, and then sends the request for review. In many leading MFIs, a robot evaluates user requests, and it also makes a decision to issue money or refuse a client. Thanks to computer processing, the decision-making speed has increased significantly – in some MFOs, sms with approval is received on the borrower’s phone after 1-2 minutes.

If you have access to the Internet, you can immediately borrow money on the card at any of the companies listed below. Carefully review the conditions of consideration, select the appropriate option and apply for a microloan.

Mug Loan

Mug Loan

This company is one of the leaders in the Russian microfinance market. MFIs’ regular clients are given loans of up to 100,000 per year, but for beginners, whose payment discipline is not known, they will first issue a monthly transfer of 15,000 rubles. Funds are even given to those categories of citizens with whom banks do not work – students, young mothers on maternity leave, and age retirees.

Cash At Home

Cash At Home

This service will issue to remote clients from 1000 to 54000 rubles for a period of 1-175 days. An important plus for the client of this MFI is a positive credit rating. Otherwise, it is worth applying for only a small amount. Overpayment on the loan will be from 0.5% per day of the use of borrowed money. Design feature – courier delivery of a loan to your home or work.

Square Loans

Square Loans

If you still don’t know where to borrow money urgently, consider the Loan Center rates. A client who has indicated his passport data in a questionnaire will be transferred to a card up to 100,000 rubles – an amount well worth it to hold out until salary. For doctors, teachers and retirees special rates apply. New clients of MFIs can get an interest-free loan of up to 7,000 rubles.

Froy Credit

Borrow money quickly with any credit history.

In this company for long-term loans minimum rates apply. Clients who have issued a loan for a year will receive money at a rate of 0.12% per day. The available credit limit is as much as 200,000, the repayment duration is no more than 3 years. The minimum loan amount is 10,000 rubles, payments are made no more than once a month.

Money Borrowed

Money Borrowed

Another popular MFI with high loyalty to all categories of potential customers. From 10,000 to 60,000 at a rate of 0.8% per day will be transferred to the card. A prerequisite is a meeting with a company representative or a visit to the nearest micro-creditor office. Funds are available upon presentation of a passport, earnings certificates are not required.

What you need to know the client when applying for a loan?

What you need to know the client when applying for a loan?

When choosing between MFIs where you can borrow money quickly and without problems, stop choosing companies with a convenient way to transfer funds. If it is convenient for the money to “fall” on the card, choose one organization, and when it is ready for a meeting with a courier, another microcreditator.
The next important parameter is the interest rate for using cash. The lower it is, the lower the total overpayment will be. Minimum rates offered for loans for the long term, the maximum overpayment for express loans. However, when making a term loan, the lender can “close his eyes” to the damaged CI, whereas a long-term loan with a penny overpayment will be received only by a citizen with an excellent payment rating.

How to improve credit history through MFIs?

How to improve credit history through MFIs?

If your goal is to borrow money urgently, but it cannot be done due to failures in banks, your credit history is most likely hopelessly damaged. MFI services will help restore the rating, if you apply for and return a series of credits on time – take a loan for 1000 rubles and close the loan in time. And so several times. Ask the micro-credit company manager to send data to the History Bureau as quickly as possible, and you can get a bank loan in a few months.
The easiest and most convenient way to pay off debts is to use the same credit card to which money was withdrawn. Go to the online office of your bank and make a payment to the MFI according to the details specified on the website or in the receipt.

It is urgent to receive money within an hour so far only in the MFI. Banks are only testing and very reluctant to introduce such a service. Bank loans with quick approval will be given out only to a small share of loyal customers, while everyone will receive a loan from an MFI – including borrowers with a bad credit history.