Everyone knows it – payout far, but in a wallet or bank account or a crown. If you do not want to borrow from acquaintances or relatives, you can use one of the so-called sms loans before payout, which are typically provided in the range of 1000 – 10000 CZK.
The first amount that can be borrowed from a given company is usually up to CZK 5,000; higher amounts can be requested after a proper repayment of the first loan.
SMS loan before payout – loan for 7 – 30 days
There are perhaps dozens of companies in the non-banking market that are engaged in lending money for a short period of time before payout. In this way you can borrow for the first time 7, 14, 21 or 30 days in the amount of 1000 – 5000 CZK, the second request may be a loan up to 10000 CZK. For permanent clients is offered the possibility to apply for a loan simply by sending an SMS message and ask “immediately” for example up to CZK 15,000 or CZK 20,000. (This is why these products are also referred to as pre-pay SMS loans.)
Quick Loan: First Free
Companies that provide this type of credit “lure” their clients to a variety of benefits and benefits. Some even offer a loan for free before the first application – the client borrows, for example, CZK 5000 and returns only the loaned amount and no more crown within 30 days. Such products are, for example, Zaplo, ViaSMS or Kamali loans.
It is also free of charge 1 CZK
Most small online loans require a $ 1 verification fee to your bank account when you sign up. This not only botheres the applicant for obvious reasons, but also prolongs the credit settlement time. Here again, some companies try to accommodate their clients and do not request the registration fee. These include Crediton, Ferratum, and Loan.
Loan without proof of income
In particular, short-term instant loans are characterized by a minimum of “paperwork” – for many providers it is sufficient to fill out an online registration form, indicating their personal details, their payout and approximate monthly expenses. A receipt may not be required, as a rule, it is sufficient to send a scanned copy of your ID card. Some of these products are also available to applicants who have a negative entry in the debtors register.
Can they also ask women for maternity leave?
Given that this type of loan lends a relatively low amount for a short period of time, it is possible for some companies to receive a loan, for example, a student with irregular earnings from brigades, a pensioner or a woman on maternity leave. In any case, the loan provider is legally obliged to properly check the client’s ability to repay the loan.
Bank or non-bank loan?
Non-bank loans are generally faster and more accessible than bank loans. However, if the client meets the basic conditions for granting a bank loan – he / she has a regular demonstrable income and clean registers – he / she should choose bank loan in the first place. It is cheaper and safer.
However, if a person interested in a loan has a lower creditworthiness and feels that he / she would not be in the bank, he / she can contact one of the verified non-bank companies. Here you can get a loan faster and without much “paperwork”, but it must be borne in mind that the speed and availability of the loan is bought at higher interest rates and fees.