A non-bank loan is much easier to obtain than a traditional cash loan in a bank. Usually, it is not necessary to leave the house for such a loan, often it is not necessary to present certificates of income or to have a positive credit history at BIK. Although these types of loans are more easily available, in many cases they involve some risk.
What is the main risk?
Of course, I mean mainly the choice of not a proper loan company. Some people before deciding to take out a loan, do not check the information about the company in which they decided to take out a loan. Often, we do not read what suggests us to sign the nose, or we are sending some large preliminary fees, and before the loan is granted, and ultimately this is not granted to us. So if we do not have a lot of knowledge about loan companies, it is better to use the services of a company that will choose the most suitable loan offer for us. Such a good offer may be the offer of Creditkap, a brand that specializes in brokering both long-term loans and those with short repayment periods, or popular payday loans as proof without certificates .
Creditkap – how does it work?
Quite simply, in the first place we provide our data and information on the loan amount and the repayment period. We can indicate here the loan amount from 100 to even PLN 25,000 with a repayment period from 1 to 12 months. When submitting the initial application, we do not pay any initial fees, the only cost we will incur is the one to pay the loan, added to the monthly installment.
What happens when our application goes to Creditkap? At this moment, the most-tailored offer will be selected, depending on whether we need a hire-purchase loan or a payday loan, depending on the age at which we are and on which credit history we have. Bearing in mind all this information, the company will prepare a loan proposal for us and contact us to present it. If it suits us, we will be able to finalize the formalities, and if not, we may as well be able to ask for a different proposal.
I purposely stated in the title of this article that thanks to Creditkap we can obtain a non-risk non-risk loan, because the brand cooperates only with reliable companies. We do not have to worry about the fact that we will deposit some money and the loan will not be finally given to us or we will expose ourselves to some other additional costs. However, this does not absolve us from reading the terms of the contract or the repayment schedule.