In city centers, you can find posters advertising “credit without BIK” or “loan in 15 min without BIK” at almost every step. Who are these offers for, and when is it worth to go for money to one of the companies that provide them?
An unplanned expense can happen to everyone and not always on our accounts are funds allocated for a rainy day. In such situations, we need to get money quickly. Gone are the days when the support went to family and friends looking for a person who has and can borrow some money. We do not like to put our problems on others’ heads, especially if we have the opportunity to get the money we need elsewhere.
Loan without BIK is a proposal. Why?
A loan without BIK is a proposal especially for those who for various reasons may have difficulty obtaining a loan from a bank. It’s not just those who have a bad credit history. Banks put many requirements to future borrowers and failure to meet even one of them results in refusal to grant a loan. Therefore, a loan without BIK is also an offer for people who have just started work and do not meet the requirements regarding the length of their work experience. Some people work on a contract of employment but on a part-time basis – sometimes they have a problem with getting money in the bank due to too low income, for parabanks this is not a problem. Private loan companies adapt more quickly to the realities of the market and changing consumer needs.
Better terms of cash loan
When planning to take out a cash loan, first of all, we should send our steps to your bank, where we have an open personal account, or savings account, or we used a credit card offer in it. Perhaps earlier cooperation with a given bank will help in negotiating the best terms of cash loans.
However, it is not said that our bank will definitely offer us better cash loan conditions than the competition. Therefore, it would be unwise to make a loan hastily at your bank, without comparison with the offer that another competitive bank can prepare for us.