Many indebted clients who contact loan companies without BIK after receiving a negative response regarding the loan believe that it is not possible to receive a loan in their case. However, in many institutions a person in debt can get a loan. All he has to do is find the right company on the internet for the loan.
Where to look for loans for those in debt?
Often, a loan without creditworthiness is offered by non-bank companies. They provide quick short-term loans popularly called payday loans. The customer can take out such a loan either by phone, at a branch or via the internet. Non-bank loans are mainly addressed to:
- who have trouble repaying their liabilities
- people with negative history in BIK
- persons who have arrears collected by a bailiff
The decisive factor in granting a loan to those in debt is the timely repayment of existing liabilities already held by the customer. Regardless of your debt, you can apply for a loan for those in debt via the internet. A person applying for a loan for the indebted should use the payday loan comparison tool to choose the most advantageous offer for themselves. Getting a loan by an indebted person is not difficult. It is often enough if the person applying for a loan presents the frequency and amount of their income to the account. As a rule, the lender does not require the applicant to provide a salary certificate. Most often, an extract from the applicant’s account and his ID card is enough. Most companies also grant loans to those in debt via the Internet – it is enough if the customer completes the application and submits to data verification.
For this reason, however, we have more and more debt that exceeds our financial capabilities and we cannot afford to pay all installments on time. However, there is a solution. A customer who would like to pay one, lower installment instead of several should consolidate their obligations. The indebted person can consolidate his liabilities not only at the bank, but also at non-bank institutions or private investors. Non-banking companies generally accept various sources of income when granting a consolidation loan to those in debt. Depending on the company that provides the loan, you may need certificates confirming your account receipts or documents confirming employment.
Getting a non-bank loan or payday loan even will be a person in debt is not so difficult.
The customer who would like to take advantage of this form of credit should remember that the lender requires collateral for debt consolidation loans. As for the consolidation loan in the bank, it is also possible to consolidate both loans, loans and payday loans. As a rule, it is also a cheaper option than a consolidation loan . However, as with any loan, each borrower is verified first. Therefore, if we want to apply for e.g. consolidation of payday loans with a bank loan, it is worth doing it with the help of a professional credit broker. Loans for indebted people are a good solution for people with difficult situations in BIK. A customer who wants to take out such a loan should do it sensibly.