On the net you will find many websites that present “without bik and krd” loan offers. However, if you carefully check the information in the loan application – you may be disappointed. The overwhelming majority of companies check these databases.
You must be aware that the non-bank loans market is moving
Towards more and more detailed customer checks – and loans without bikes and krd are real exceptions. Such products also have their specificity – if the company does not make any checks – it will try to secure it in another way (e.g. the debtor’s assets or the guarantor). If it does not check BIK and KRD – it will check other databases and internal registers of competing companies (thus achieving a very similar result).
In that case, why are loan companies advertising with a lack of checks in BIK or KRD?
Because they are ready to take greater risks. There is a lot of competition on the non-bank loans market.
The fact that your data is included in these databases does not mean that your application must be considered negative. Each application is considered individually. The company assesses whether it will be profitable to lend you money. Much depends on its current policy and financial results. If you have high income and registration in BIK – you still have a chance to get a loan.
Currently, there are only 3 products on the market without simultaneous BIK and KRD checks. You will find them below.
Installment loan without checking in Good Money
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You must first register on the lender’s website. For a loan with this company, you must have a guarantor. The guarantor is a person who undertakes to repay the installments if the borrower defaults on the payment.
The entire procedure of accessing additional funds is carried out remotely. This means that after registering the borrower, a special link is sent to the selected guarantor, which leads to a separate form. Both the borrower and the guarantor must provide information on their income in the application.
After completing both applications, there is a short phone verification. An employee of the company will call the borrower and the guarantor who will verify the information provided in the application.
Payments are made within 48 hours of accepting the application. The loan amount is transferred to the guarantor’s bank account, which then transfers the funds to the borrower.
Instant cash online without checking at E-Money
Using the calculator, select the amount of money you are interested in and the repayment period. Then set up an account and complete the application. Remember that you will need to verify the new account. This means that the company will ask you to send a small amount of money to the specified account (PLN 1). In this way, the company will confirm the data you entered in the application. After verification – the company will refund you this amount.
Then you will have a short phone conversation with a consultant who will confirm the information provided in the application. You will receive a decision on granting funds by text and email. Funds will be transferred directly to your bank account.