Bank loan – how to get it?

Situations in which we start looking for financing can be divided into three main categories that determine which product we will reach for. The first of these results from the desire to meet some material need – we are looking for money n

So how can you apply for a bank loan on the Internet and is a bank loan possible without credit check?

So how can you apply for a bank loan on the Internet and is a bank loan possible without credit check?

Of course, we can get a simple bank loan at the bank, whose services we use every day. In our bank, we can even count on an online bank loan (i.e. online bank loan), and in special cases even a bank loan without credit check. The bank already knows our identity, which it established when creating a bank account or when using another bank offer. He also knows our financial situation – he can see the flows on our account, he can see the salary and credit products we currently use. Thanks to this, we can often get a bank loan based on a statement. Most banks in their web applications inform us about available current loan offers. However, we must be aware that such an offer will be reserved only for the transactional customer of a given bank. What’s more, not every product we buy in this way and not for every amount. The bank will not always give us the opportunity to buy a bank loan online. Other laws govern the mortgage. A mortgage requires a long and tedious process of assessing creditworthiness and property valuation. 

There is no chance of getting such a bank loan online. On the other hand, we will receive a cash loan, but in a limited amount. However, what if we do not have such an offer from our bank or the one which is visible on our profile does not meet our expectations – it has too low a loan amount, too short loan period, high installment or too high costs? As you can see the reasons why the offer presented by our bank may not meet our expectations, so there are several. Next, we are left to leave our data on the websites of other banks, wait for the contact of bank advisers and access to the nearest branches of these banks – of course during their opening hours.

The time that we need to spend to learn about the credit products available to us is so much, and the time devoted by us will only hurt us. Why? Each bank wanting to provide us with a real loan offer after entering our data, sends a request about our person to the credit check (Credit Information Bureau) – and we must know that every credit check question by the bank reduces the number of points in credit check (you can read more about credit check in the article credit check – is it worth taking care of your credit history?). Each subsequent bank to which we will go for the next offer will see our worse score and a large number of inquiries in credit check in the recent period and thus will show us a weaker credit offer or will not issue us its not at all.

The situation seems very bizarre, because nowadays, everyone should be able to quickly compare offers – and the mechanism of obtaining information about the client described above, on the basis of which we cannot do such a comparison without harm to “our future loan, means that we should use the services of a professional credit advisers who are well aware of how to optimally process clients. So when we are looking for the optimal loan and our credit check score or creditworthiness turns out to be on the border of the bank’s requirements – everyone – even a slight error in the selection of the bank, the order in which we apply for a loan to it or if instead of a consolidation loan we choose cash – it can be a reason for failure that we will receive it.

So how can lenders help us get the best bank loan?

So how can lenders help us get the best bank loan?

For so long, we have been constantly improving the effectiveness and quality of customer service, improving the credit sales platform and we have started cooperation with almost all financial institutions operating in Poland. The platform was created to help clients in conscious and responsible indebtedness – which means that an analysis of the client’s needs, financial situation and strategy of obtaining a loan is established. It is also very important to determine whether the future loan is to finance our current needs or whether it is better to apply for a consolidation loan – thanks to which we will lower the monthly installments that we pay currently and we will still get additional cash. The guiding idea is for the client to be able to receive financing, including a bank loan, via the internet.

Online bank loans are still a niche on the Polish market.

How do you apply for a loan at lenders?

How do you apply for a loan at lenders?

The mechanism of operation is very simple – you enter on the lenders platform – in the “submit application” tab your personal data (you must have an ID card and know the bank account number). After completing the application, we send your application to several non-bank institutions (inquiries at credit check of non-bank institutions do not affect your credit check score) and thus you can see online loan offers available to you. However, the most important element of this process is the contact of a Credit Advisor in your area. Based on the data you submit, we assign the nearest Authorized Credit Advisor to service lenders clients, i.e. those who meet the highest criteria in financial knowledge and the quality of customer service.

This advisor will contact you within 10 minutes of sending the request and invite you to his office. Each of our advisers is an authorized seller of most operating banks in Poland (i.e. each bank whose credit products it sells, has authorized it) and will submit appropriate credit applications based on your expectations. We are fully integrated with most of the banks we sell, i.e. credit service is no different from bank branches, except that we serve several banks in one credit office. In addition, we have excellent product knowledge and know what documents should be presented to obtain even the most complex consolidation loan.

Can I get a bank loan for a statement or a credit loan without credit check ?

Can I get a bank loan for a statement or a credit loan without credit check ?

Credit check may be different, and the number of such offers is very limited. You can safely try to apply for a bank loan based on the statement. Our capabilities, knowledge and commitment allow us to effectively service our clients. You can read more about how we created lenders and what our inspiration was in the article lenders enters the market.

Leave a Comment