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|
|POLOżyczka||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,
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.
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.