An ID card loan - what is it?
What is an ID card loan? This is a popular loan without certificates. You do not need to attach any additional documents to the application to receive it. All you need is an ID card and a declaration of income. It is a great alternative to traditional bank loans.
How to get a loan as proof?
The loan for an ID card is granted without unnecessary formalities. It is usually offered by non-bank companies. They respect the privacy of their clients, so you don't have to worry that the consultant will call your boss to verify your employment and income. He will not verify the information you provide, the creditworthiness analysis is based only on the identity document.
Usually, a non-bank ID card loan is granted online. You can submit an application at any time, check: how to apply for a loan online . Most often, you must provide personal data, source and amount of income, age, education and the number of people in the household. If you want to increase your chances of getting a loan, build a positive credit history in advance . Lenders usually verify potential clients in debtors' databases, such as BIK, BIG InfoMonitor, KRD and ERIF. The loan for an ID card is usually granted for 30, 45 or 60 days on attractive terms. It is distinguished by high flexibility. As proof, both popular payday loans and installment loans are granted, and these can be granted for up to several dozen thousand with repayment spread over several dozen months.
Benefits of proof loans
Non-bank companies put emphasis on the minimum of formalities and a short waiting time for granting money. It is worth emphasizing that you can spend the money for any purpose. You do not need to enter it in the application. If you send your application online during business hours, you can receive funds in your account in as little as 15 minutes. It is very important if we have urgent, unforeseen expenses.
Importantly, the loan as proof is granted without security and guarantors. You don't have to go to the company's stationary branch to receive money. This solution allows you to save a lot of time.
You do not have to work under an employment contract to apply for a loan. Most companies also accept other sources of income. Sometimes sysTopicic payments to the bank account in respect of retirement, disability or family benefits are enough.
Before signing the contract, pay attention to the loan terms. They vary depending on the respective lender. Think about what amount you actually need. Also consider the amount of installments. Then you will reduce the risk of a debt spiral. Make financial decisions rationally, not emotionally.
Payday loan or installment loan? There are two main points to consider when answering this question. What amount do you need? Can you pay it back within 30 days or would you prefer to split it into lower installments? If you need a larger sum and cannot pay it back immediately, choose an installment loan as proof.Return