Women’s Day is a great opportunity to give presents to female representatives. A gift for wife, partner, sister, mother – what to do if the wallet of void, and there are only vague memories of the last payment?
Today we will tell you whether a way to finance a gift will be to take a quick non-bank loan. We will also check where you can borrow money as cheaply as possible and … as soon as possible.
Who among us does not like to receive gifts? Who among us does not like to give them to loved ones?
A gift for a loved one is a great symbol of bond, commitment and closeness.
Even a small person, offered with love, will cause a honest smile and emotion on the face of the recipient.
However, what if the account balance does not allow the purchase of even a symbolic gift? Is it worth borrowing money in such a situation?
Is it worth borrowing money from a loan company?
Whether a non-bank loan is a good option depends on several factors. Your financial situation is the first and most important at the same time. Are your realities the result of only temporary financial problems? Do you have stable income? Will you be able to accumulate the repayment amount within 30 or a maximum of 60 days? If you answered yes to all questions, borrowing money from a loan company might be a good solution. The key to making a responsible decision is also awareness of the consequences and … knowledge about the mechanisms of operation of loan companies.
The most popular myths about payday loans
Many negative opinions about quick loans are due to ignorance and ignorance. Others are due to recklessness and lack of responsibility on the part of carefree borrowers. Another reason may be companies that do not actually treat their clients properly. However, these should be avoided like fire. As practice shows, non-bank loans do not have to be expensive, and lenders – dishonest.
How do you choose the best lender?
If you want to be sure that you will not fall victim to abuse or fraud, borrow money from one of the market leaders in non-bank loans. Where to look for them? Online loan rankings will help you make the decision. It may also be a good idea to check whether the selected company is a member of the Loan Companies Association – an organization that promotes and applies the highest business and ethical standards among non-bank loans. The criterion for choosing a lender should also be the amount of loan-related fees. Not everyone knows that there are honest and trustworthy companies offering loans … absolutely free.
A loan for $ 0
Free payday loans are offered only to new customers of a given company. By borrowing money for free, you will be required to pay the lender exactly the amount you borrowed from him. Pivus currently offers the highest free payday loan. It is up to 3000 dollars. It can not be hidden that for this amount you can successfully buy not one, but several or even a dozen gifts for women’s day.
Do you want to borrow money from Pivus?
Let’s check what requirements this lender sets for its clients.
To take a payday loan at Pivus:
- have Polish citizenship and home address in Poland,
- have full legal capacity
- be between 20 and 78 years old
- have the ability to repay liabilities arising from the loan from Pivus
- be free of cash arrears from Pivus when applying for a loan.
Maximum amounts of free loans in other companies
Let’s check the maximum amounts of free loans in other well-known loan companies.
How to apply for a free loan without BIK?
If you want to get a free loan, all you need is your ID card and a computer (or mobile device) with internet access. When completing the application, also carry your mobile phone number and bank account number. The first step to borrowing money should be a visit to the website of the lender of your choice and determining your preferred amount and repayment date. Then complete a simple application and send it to the lender. It should not take longer than a few minutes to complete it.
When the lender receives the application, he will ask you to verify your identity.
What is identity verification?
Identity verification is a process that ensures the security of both parties to a loan agreement. Thanks to verification, the lender will be sure that you are exactly the person you claim to be and no one is impersonating you.
How to verify the data?
The easiest way to verify your data is to make a transfer to your lender’s account. Its amount is symbolic and depending on the company ranges from 0.01 to 1 USD. When the money is credited, the lender will be able to compare the account owner details with those entered in the application. If they agree, they will proceed with further analysis of the application, If they do not agree – the loan decision will be negative.
Data verification and the rate of loan receipt
When making a transfer to a loan company’s account, pay attention to which banks it has accounts with. If you want the money to be booked as soon as possible, select the bank where your account is also located. Thanks to this, the transfer will be carried out almost immediately, and the lender will be able to immediately analyze the application and issue a decision.
If you send money to an account in another bank, it can be credited even on the next business day. And this means that you will have to wait for the analysis of the application and money from the loan …
You don’t have any dollar on your account?
You can verify the data through an application that connects to your bank account and provides the lender with the necessary data.
If you want to know which companies have provided customers with this opportunity, see our article on data verification without a dollar transfer (hyperlink)
30 days return
Most lenders allow you to borrow money for 30 days. Although there are companies that offer loans for 60 or even 61 days, it is still relatively short time to accumulate the amount needed to pay off. Before you sign the loan agreement, make sure that your budget can withstand the next load and that you can give the money back on time. Even the most beautiful gift – which is the cause of troublesome debts – instead of a source of joy will become the reason for unpleasant associations.