Non-bank loans are a tempting solution especially for people who do not have a stable income, employment contract or have a negative credit history. Unfortunately, banks check every customer very carefully. Even people who have previously taken credit in this institution. That is why more and more people choose loan companies, which of course also check the credibility of their clients, but do not verify it as meticulously as banks.
Loan without checking the databases
One of the bases that every indebted person is afraid of checking is the National Debt Register. Is a loan possible without KRD if the banks check the register? Yes of course. However, you have to be careful, because very often loan companies have written that they check the BIG InfoMonitor database. There is no KRD in the name, but BIG InfoMonitor is a huge database that collects data from, among others, the National Debt Register. So if the regulations or information for borrowers state that the harabank checks BIG, unfortunately we have to reckon with checking the data in KRD as well. However, if the loan company does not inform about this or other databases that can be checked, it means that the databases are not checked and it is a loan without KRD or other databases.
What is a loan without BIK?
Payday loans without BIK are also very popular . The Credit Information Bureau is another database that you can fear. However, unlike KRD, all debts for any title are not collected here, but information about loans, credit cards, credit or credit card applications or even some non-bank loans. To put it simply, all information on bank liabilities is sent here, although there are also harabanks that enter their liabilities into this database. BIK, apart from storing information about liabilities for 5 years, also assigns them a score. Such scoring is scoring. The higher it is, the bank will assess us better.
But how does a loan get without BIK? No points are needed here, so harabanks do not check this database! However, you can find information on timely or unreliable repayment of obligations and it is important for loan companies to assess the customer. Of course, not every loan without BIK also means no database checking at all. However, only a fraction of harabanks have access to BIK to be able to check specifically in this customer database.
How do you get a non-bank loan?
Although these are payday loans without BIK , you still need to be prepared to check your personal data or recalculate your creditworthiness. Such loans can be obtained more easily than a bank loan, but the loan company wants to be sure that the client will pay back the money borrowed on time.
First of all, to get a loan you must be at least 18 years old, and sometimes even 21 years old. This should be checked in the details of the harabank offer. In addition, you must have a valid ID and Polish citizenship, as well as a Polish telephone number, individual bank account number and email address. Especially if it is an online loan, you will need an email account to receive harabank messages or it will be used to log in to your user account on the loan company’s website.
Most loan companies grant a loan based on an income statement. This means that you can enter your earnings and expenses yourself. After completing the application and making the verification fee to check the data, you have to wait for a response from the harabank.