What to do if you really need money, but the banks do not want to give you credit? Very often loans are sought by people whose creditworthiness is not in the best condition, because, for example, they had a problem with paying off installments on time, be it by forgetfulness or difficult financial situation. What should people do in this situation? It is worth looking for loans online without BIK.
What is BIK?
The credit information bureau SA is a company that collects and processes information on credit history. If you take a loan from a bank in any form – a mortgage, a classic loan or even installment equipment, you automatically go to the BIK.
This has its positive side, because if you pay loans regularly, your creditworthiness increases. Thanks to this, you can apply for higher loans in the future. However, as we all know, in life it is different and often there is a situation in which we are unable to pay the loan installments on time, and thus you may have a problem with getting another loan.
However, today many non-bank companies offer loans online without BIK. This is a great alternative for people who have a problem with taking a loan from a bank or are looking for alternatives to classic loans. We recently wrote about the benefits of internet payday loans on the blog.
Are online loans without BIK secure?
Many people ask themselves this question. Opponents of this form of loans may hear the statement “if the bank does not want to grant you a loan, it means that you should not take it.”
Unfortunately, we all know well that financial institutions have their own, often complicated laws. Sometimes they refuse credit to people whose financial situation is really good. And unfortunately, seeing the rejected loan application, you do not know what is the reason for its negative consideration.
In addition, it is worth paying attention to the fact that often online loans without BIK are taken for smaller amounts. Often people literally need several hundred zlotys, in addition for a short period. In this situation, a loan without BIK is not only more convenient but also much more profitable.
Loans for those in debt without BIK
Even if you have mainly debts on your account, thanks to online loans that do not check your situation in BIK you can get additional funds.
You just fill out the form. It usually takes about 15 minutes. After completing it, you usually do a verification transfer. It aims to confirm the accuracy of your data. If for some reason you are not able to make a verification transfer, then often companies offering online loans without BIK are able to verify the accuracy of your data in a different way. If you don’t make a transfer, you can expect a phone contact within a few hours. However, if you make such a transfer, in many cases the money will simply go to your account.
What distinguishes online loans without BIK?
First of all, using such loans:
– You minimize formalities – you fill out the form in a few minutes, not a few dozen. Usually, nobody calls you to interview you.
– Money is quickly in your account. The waiting time for a transfer is much shorter than for traditional loans.
– Flexible form of credit – you specify the exact amount you want to borrow. You can take a loan for the amount of several hundred zlotys and several thousand.
That is why online loans without BIK are so popular. They are much more convenient than traditional loans.
Is a loan without BIK possible if you have a bailiff?
Many people wonder if they can afford a loan when a bailiff has entered their bank account. Here, a lot depends on the services of which company offering non-bank loans without BIK you want to use. A significant number of companies offer their services even to people whose bank accounts are charged with a bailiff, at the same time it is worth contacting the company whose offer you are interested in before you start filling out the form.