Managing your home budget can be difficult, especially when you are out of work overnight or lose liquidity due to unforeseen events. In this situation, it's easy to get into debt. Do you have a chance for a loan despite the debt? Banks do not lend money to debtors. They are afraid of their insolvency. The solution is payday loans for those in debt. Who can apply for such a loan?
What conditions do you have to meet to get payday loans?
Poles are not always able to pay their debts on time. According to BIG InfoMonitor and the Credit Information Bureau, at the end of the third quarter of 2019, as many as 31,000 people faced unpaid payments. The total amount of their debt was PLN 78.7 billion. Can such people benefit from the offer of payday loans for those in debt? Yes! Non-bank institutions grant loans despite outstanding financial obligations. You just need to meet some basic conditions.
Who has the chance to pay a loan for those in debt? You will receive financial support if:you have a number and a valid ID card.
you have Polish citizenship and permanent address of residence / registered address in United States,
you are in the age range specified by the lender,
you set up a bank account in a Polish bank,
you have an active mobile number and email address,
you receive regular income that will allow you to pay back the loan on time.
By meeting the above requirements, you can apply for a loan for those in debt. Negative credit history, arrears, and even a bailiff are not an obstacle in receiving it. Just like an entry in the register of debtors.
Borrowing is pleasant, especially as the company from which we obtain additional cash provides us with these funds without major difficulties. However, we always have to have our own mind and know what to look for so that it does not turn out that when it comes to devotion, we have nothing to do with!First loan for free - hit or cheat?
Not once, not twice, we will find out that the first loan can be obtained for free. And in fact in most offers such a loan is available, but only for new customers. This means that we give back as much as we borrow. Such free payday loans are a great opportunity for favorable financial support, because we are not charged any additional fees.
Remember, however, that before signing anything, carefully check the offer of the loan company - we can do it on the website of the company or see it in the branch. In this way, we will find out whether such online payday loans are really free.
What's in the contract? Do we understand the records there?
If we don't understand a word, let's find out. It is not surprising that we may not understand something. Clarification of some issues should help you understand them so that we can consciously borrow. For example, there are various offers like payday loans without a bank account. Apparently understandable wording, but does it really involve additional fees? Another suggestion - loans without a penny. And here again the same, let's see if we don't understand it too literally.
If the representative of the company is not very willing to answer or his explanations are casual, it is better to resign from signing the contract. Let us remember that there are a lot of short-time companies offering non-bank loans via the Internet and there is plenty to choose from.
Untested companies? Let's get away from afar
The worst thing that can happen to us is to borrow money in an unproven company - from "pole" or other ads that can be found on the internet or newspaper. What should especially draw our attention? As instead of an offer, we see a flashy password encouraging to take advantage of the promotion, but nothing specific there can be found except the phone number or email address. Avoid these "flowers" with a wide arc, if you do not want to cause yourself unnecessary trouble.