Do you need a loan, but because your name is on the list of debtors in BIK, you cannot count on a bank loan? In such a situation, loans without verification can be a good solution for you. Who grants them and on what terms?
If you are in a hurry or have a bad credit history, loans without base verification can provide you with additional funds without unnecessary formalities. Read on to find out more!
Who grants loans without verification?
The loan is a financial product offered by banks and non-bank loan companies. However, only in the latter, you can count on a minimized creditworthiness verification process.
In the advertising slogans of such institutions, there is often a promise of a loan without checking the databases – we are talking about debtors’ databases, such as BIK or KRD. Indeed – many loan companies do not check their clients in BIK and KRD, which encourages more and more people to take advantage of their offer and clearly distinguishes them from banks.
A loan without database verification is recommended to people who have a negative entry in the debtor’s database and therefore cannot count on the bank’s help. Most often, to get a loan without database verification, you must meet general criteria,
- age specified by the lender,
- having a bank account,
- having a phone.
Is there a loan without bank account verification?
Yes. The confirmation of your data by a verification transfer is a modern, fast, and fully secure method, thanks to which the time needed to obtain funds is reduced to a minimum. However, this is not the only way to verify the information provided. What to do when you do not have an account or you do not have enough funds on it?
An alternative method of confirming identity is to use one of the special applications. The principle of their operation is simple – when completing the application, you will be asked to select the bank in which you have your account, and then to enter your login and password into your online banking system – thanks to this the application can download your data. You do not have to worry about the security of the data provided, because the connection is encrypted.
A quick loan without account verification can also be granted by phone during the conversation – some companies carry out the entire loan granting procedure in this way, and information about the positive or negative consideration of the application is sent via SMS.
If you do not have a bank account, you can opt for a loan with a courier whose task is to provide you with the contract and verify your identity based on your ID card.
Some companies also offer home delivery loans – in this case, the employee of the loan company will first check your data and then present the contract.
A solution that is rarely used is also collecting the loan at the post office – it requires presenting an ID card as well as a verification code received via SMS.
Quick loan without verification – how to take?
If you are applying for a loan in a given company for the first time, it is always necessary to set up an account on the website of the selected company and confirm your identity. In each case, it is also necessary to complete the application.
For many institutions, this is where the required formalities end – the lender quickly assesses the risk of granting you money and then informs you about his decision. If it is positive, the company will transfer money to your account even in several minutes. However, which loans without database verification, place of employment, or bank account is the best? Here’s what you can do to choose the most profitable one:
Use the comparison engine in which you specify the loan amount and repayment time you are interested in. The comparison engine also allows you to search for offers without checking in databases – just check the box “without verification in BIK”;
Search for promotional offers, such as a first loan for free – you will also find this filter in the comparison engine on TotalMoney. Remember, however, that the loan will be free only if you pay it back within the prescribed period!
Get to know the details of the loans – pay attention to the costs of individual loans – they are determined by the actual annual interest rate (APR). Thanks to this, you will find out how much you will have to return.
A loan without verification in debtors’ databases and without checking employment is a product that you usually have online access to – it is worth using when you need additional funds immediately.