How do you take a non-bank loan without leaving your home?

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The report prepared in 2017 by the Central Statistical Office shows that Poles are increasingly more and more willing to use non-bank loans granted via the Internet. Many facts speak for the fact that this is one of the most convenient forms of obtaining additional cash. How do you take a non-bank loan without leaving your home?

 

Start by verifying your business

business loan

The first and most important step is of course choosing an entity that is credible. The registers that we will check are available online. So you can do it without leaving your home. It is worth starting with the Register of Loan Institutions kept by the Polish Financial Supervision Authority. The register is available on the Commission website. Where else can you do that? In the electronic database of the National Court Register – the actual existence of the entity is confirmed by the KRS number assigned to it. The next source is the Register of Loan Companies kept by the Association of Loan Companies (ZFP). The list of ZFP members, which is already a reliable source of information, can be checked on this institution’s website.

 

Compare offers, read the contract

Compare offers, read the contract

The next step is to analyze and select the best offer. It is also a fairly simple matter if we use online comparison websites of non-bank entities.

If you have already chosen a loan company whose services you want to use, it is worth familiarizing yourself with the contract in advance, which should be made visible on its website.

 

Submit an application online

Submit an application online

What are the next steps? All of them should be clearly described on the company’s website. First, complete the online registration form and provide the necessary details. Then we will be asked to confirm your identity. This process also takes place online.

 

Online identity confirmation

Online identity confirmation

Verifying the borrower’s identity is a very important part of the loan process. Thanks to it, the company makes sure that the customer is indeed the person he claims to be. This also excludes fraud or extortion. The most commonly used tools are verification transfer or the Kontomatik application. The whole process is online again.

 

Cash on your account

Cash on your account

If the above steps were successful, just wait for the decision to grant the loan and transfer the cash to the indicated account. How long will we have to wait for money? In most cases, it’s actually a matter of 15 minutes. It is worth noting that having a bank account in the same bank as the lender maximizes the process. Its length also depends on how efficiently we will work.

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