Quick loan without creditworthiness

Below we have prepared a special summary with the best non-bank loans without checking creditworthiness, which are currently available on our loan market. In this way, it will be easier to decide on one specific offer. Check the loans that do not require an income certificate and a positive credit history at the Credit Information Bureau.

A loan company Maximum loan amount Repayment Period Requirement verification transfer Proof of income Data verification in IKD Take a loan
Creditstar up to 5000 PLN up to 3 months + X Debtors can apply for a loan Take a loan
Plus loan up to PLN 8,000 up to 45 days + X The company does not analyze the IKD register Take a loan
NetCredit up to 5000 PLN up to 30 days + X Payday loans without data analysis in IKD Take a loan
Ferratum Money up to PLN 2,000 up to 30 days + X The payday loan without IKD is available in the company’s offer Take a loan
Extra Wallet up to PLN 6,000 up to 45 days X Quick check of customer data in IKD Take a loan
POLO┼╝yczka up to PLN 8,000 up to 30 days X The client will receive payday pay without verification in IKD Take a loan
Smart Loan up to PLN 7,000 up to 30 days X Short-term loan with a negative credit history Take a loan
Ofin up to PLN 3,000 up to 30 days + X Borrowers with low IKD scores will take out a loan Take a loan
Wandoo up to 5000 PLN up to 30 days + X A negative credit history is not an obstacle to getting a loan Take a loan
Solven up to PLN 8,000 up to 30 days + X Obtaining payday pay is not associated with IKD verification Take a loan
Cheap Loan up to PLN 7,000 up to 30 days + X The lender does not look for information in IKD Take a loan
Installment for Plus up to 5000 PLN up to 6 months X The company does not analyze debtors’ registers Take a loan
Superrata up to PLN 6,000 up to 30 months X The company’s offer includes an installment loan without IKD Take a loan
Ferratum up to PLN 10,000 up to 24 months + X A small debt will not be an obstacle to getting an installment plan Take a loan

An online loan from your chosen lending company should be aware that before we get extra money,

An online loan from your chosen lending company should be aware that before we get extra money,

the lender will first verify our creditworthiness. For what purpose? In this way, it will eliminate the risk associated with granting a loan to a person who will not be able to pay the loan on time.

In a slightly broader context, art. 70. from the Act of 29 August 1997 – Banking Law.

1. The bank makes the grant of a loan dependent on the borrower’s creditworthiness. Creditworthiness means the ability to repay a loan taken out with interest on the dates specified in the contract.

2. The borrower is obliged to submit, at the bank’s request, the documents and information necessary to assess this capacity 1 .

3. The borrower is obliged to enable the bank to undertake activities related to the assessment of the financial and economic situation as well as to control the use and repayment of the loan.

Important – the content of the Act refers to checking the creditworthiness of the bank when granting cash loans, however in the case of loan companies this process is carried out in exactly the same way.

Scoring and no presentation of income certificate.

Scoring and no presentation of income certificate.

People who, for various reasons, have negative information about themselves in the said register, often reach for loans without IKD.

creditworthiness can be increased simply by:getting rid of the unpaid financial obligations that we previously incurred in various loan companies and sending a request to delete negative information from the Credit Information Bureau.

  • employment under an indefinite employment contract. Having this form of employment, we will be more credible for a loan company.

It should be noted here that in the case of credit, creditworthiness repair is definitely a longer and more demanding process.

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