The loan is not necessarily a bad solution. When you know how to do it, it can help you

Borrowing them bad. A man is in debt, losing his job, not being on hire, and falling into a debt carousel. He starts knocking out the wedge with a wedge until the executor rings at the door one day.

Yes, even such a scenario can happen to the borrower, but there are also a number of those who have a better loan thanks to the loan and the repayment has not been the least problem. How to prevent the first scenario and experience the other one?

Indebtedness is a science, but not always the loan must be the wrong solution if you know how to get it, then it can help you.

1. The loan must make sense

1. The loan must make sense

If you do not want to get into debt problems, then, first of all, forget about debt because of uselessness. The loan must always be purposeful, it must make sense.

  • Do you live in rent and would you prefer to repay the bank loan before paying high rent to a stranger? Apply for a mortgage.
  • Do you need a car to work, but you do not have it? Get a rental car.
  • Did your boiler break and you don’t have to fix it? Ask for a consumer loan.

2. Take advantage of all credit products

2. Take advantage of all credit products

Choosing the right loan is not easy at all, the online comparator can help. But whether you compare loans on paper or on the internet, always consider all credit products. You never know which one will be best for you.

  • Not only a mortgage but also a building savings loan can be useful for the reconstruction of a house.
  • To start a business, you do not have to go to a bank for a suitable loan, maybe a peer-to-peer loan from people may cost you more.
  • Although it is possible to finance new appliances with a non-bank loan, they can also be purchased in a shop within hire-purchase sales.

3. Pay according to the rules

If you take out a credit card, then always repay the money in the interest-free period. If you are attracted by one of the non-bank companies for the first free loan, pay it at the agreed time. This is the only way to get the most out of your credit product and make your loan effective.

Do you know in advance that you will not be able to repay according to favorable rules? Forget these loans right away and look for others that will offer you better repayment terms.

4. Pay attention to the loan during repayment

4. Pay attention to the loan during repayment

That is not the end of the loan being approved. It is also necessary to be interested in repayment. You may find that a bank offers lower interest, or that you fail to repay the loan. In such cases, you can use:

  • refinancing
  • consolidation.

5. Follow the principles of safe debt

5. Follow the principles of safe debt

If you want to avoid the bailiff scenario behind the door, then always be in a responsible and basic manner.

  • Don’t borrow for uselessness
  • Do not overflow your life
  • Keep a financial reserve
  • Compare bids
  • Read the contracts
  • Don’t act hastily

The First Loan of 3000 PLN for Free

Through Akiracash, as part of the first loan, we will be able to borrow up to PLN 3000 for free, and up to PLN 8,000 for subsequent loans.

Today’s guest is a company specializing in providing payday services. Akiracash is a completely new brand on the market of this type of loans, which has the chance to attract the attention of potential customers interested in obtaining additional cash. Already under the first loan, we can get a loan of up to PLN 3000 through Akiracash.

The first loan is 3000 PLN for free.

The first loan is 3000 PLN for free.

This is undoubtedly one of Akiracash’s main points. The first loan in the company is completely free, provided we meet the two most important points of the regulations. First, as with most of such promotions, we must be a new customer of a company that has never used the company’s services before. In addition, in order for this first loan to be fully free, we have to pay back the entire amount borrowed on time and we will have no more than 30 days for it.

Up to PLN 8,000 on subsequent loans.

Up to PLN 8,000 on subsequent loans.

Equally interesting what the offer for new customers presents is also an offer that is addressed to people who will be interested in reaching for more loans in Akiracash. If we develop a permanent customer status in our company, we can obtain a loan of up to PLN 8,000 via the company. This is undoubtedly the highest meeting limit I have met so far.

Who will get a loan through Akiracash?

Who will get a loan through Akiracash?

A person with 20 years of age, having a bank account, a valid ID card and a mobile phone number may apply for the loan. As one of the few companies, Akiracash allows you to postpone the loan repayment date by 7, 14 or 30 days at an additional cost. The loan repayment date can only be extended once.

As I mentioned earlier, the Akiracash company is a new and little-known company on the popular payday market. However, it is not difficult to notice that their offer stands out significantly from the crowd. The company responsible for activities under the name of Akiracash is with its registered office in Warsaw at ul. PostÄ™pu 18B, 02-676 Warsaw. From the company’s registration documents, we can also learn that Fincapital Sp. z o. o. is an intermediary between the client and the loan company. This means that the company is not a direct lender, but only an intermediary who will help us obtain a specific loan amount. At no additional charge from the person interested in receiving the loan.

Offer Payday Loans and Installment Loans

What is more often the new loan brands have to offer both payday loans and installment loans with a monthly repayment.

The offer Kwatro Loans Loans was briefly presented by me. This took place during the presentation of new payday available in the new year 2016 . The brand’s offer, however, is not only small loans with a short repayment period, but also long-term loans with a monthly installment.

In recent months, it can be observed as more and more companies that have so far been famous for providing payday loans, are expanding their activities to include installment loans. This has happened recently with Zengga, who in addition to payday loans also has installment loans, the same was with MetLoan and an additional brand Cryptocredit or several other companies in the loan industry.

Quarterly A loan is currently also operating on two fronts. So you will meet in their offer, both payday loans, which can be granted with a short repayment period, eg 30 or 60 days, but also a loan with a monthly installment. The repayment period of the latter can be from 2 to a maximum of 12 months. The range of loan amounts available via Kwatro Loans Loans is very wide, because in the case of small amounts we can expect a loan from 100 PLN. In the case of larger amounts, it can be up to PLN 25,000.

How does Kwatro Loans Loan work?

How does Kwatro Loans Loan work?

As you can guess, we’ll get all the paperwork online. The first step, of course, is to apply for a loan using a specially prepared application. The next step will belong to the employees of the company who will verify our data and decide on granting the loan. If the decision is positive, we will get the full amount of the loan straight to your bank account, even within an hour of submitting the application.

The basic condition for obtaining a loan is, of course, 18 years of age and possession of an ID card. It will also not be without a personal account and a mobile phone.

Loan in 5 minutes?

When I first visited the DuableCredit website, a new company in the loan market, I began to wonder if there is any sense in writing about it. As if their offer is to stand out from other companies providing payday – certainly not the amount of available loans or borrowing costs. Maybe it is something that the company stands out from among competing brands?

“3 minutes for registration, 1 minute for consideration of the application, 1 minute for transfer to a bank account” – this is one of the advertising slogans encouraging to reach for the DuableCredit loan. But what’s best, such a short time of granting the loan does not only apply to the company’s regular customers, but above all to those who reach for the loan for the first time. This is one of the main advantages of the company’s loans, but not the only one because the second equally important is the easy availability of loans.

What do I mean here specifically? The main thing is that in order to get the cash you need, you do not have to get too tired. In order for Lime-Credit to grant us a loan, it is enough that we are at least 18 years of age, we have an ID card and an active bank account. The company also makes it possible for people who have not the best credit history to get a loan and even applies a special “Credit history improvement” program. At the time of writing this article, however, I did not know the detailed information about this program yet.

Four loan rates: VIP, Lime Gold, Lime Silver and Lime Start.

Four loan rates: VIP, Lime Gold, Lime Silver and Lime Start.

Each of these packages differs in the amount of loans and is directed to a specific group of borrowers, depending on which loan you are reaching for. If we apply for the first loan, the system will most likely give us a Start package under which the maximum loan amount is PLN 400. The largest available limit is available under the VIP tariff and amounts to PLN 2,000. A large loan amount is not the only advantage of the VIP package as it also allows the possibility of obtaining more favorable terms of a loan or a 5-day free use of money.

A loan straight to your account or Paypal account 

A loan straight to your account or Paypal account 

DuableCredit enables you to get the cash you need either directly to our bank account, as well as to a bank card issued by Visa and Mastercard systems and a PayPal account.

Payday Loan – Small Loan

We will not find any promotion for new clients in the IsmolCredit offer, under which we will receive the first loan for PLN 0. However, we can count on it for the relatively low cost of loans.

Today, a few words about the company, which in principle has been providing loans in Poland for a long time, but somehow happened that I am writing about it only now. IsmolCredit is a company whose main specialty is short payday service, but gives them not only in Poland, but also in such countries as Estonia, Latvia or Georgia.

Payday Loan

Payday Loan

The company IsmolCredit offers payday which in the case of a new client can be up to PLN 500, in the case of subsequent loans they can, however, already use the maximum limit of PLN 3,000. The repayment period can be chosen by ourselves and we have a range of 5 to 30 days, with the option of extending the repayment date.

Costs of Loans

Costs of Loans

The costs of loans at IsmolCredit are relatively low, even more so if I compare them to other companies in the industry that provide payday loans. A loan in the amount of PLN 500 with a repayment period of 30 days will cost us not the entire stamper, more precisely – PLN 98. It means that we will have exactly 598 zlotys to give back. Slightly more expensive it will cost us to extend the repayment of the loan, but on the other hand, these are not so excessive amounts that we will meet with some competing companies.

MinCredit loans are available to people over 20 years of age, have a fixed income and are not listed in debt registers such as ERIF or KRD. As we can also read in the information for clients, in some cases a certificate of earned income may be required. However, it can be an electronic account statement, which we will download ourselves by logging in to our bank account.

To obtain a loan at IsmolCredit, we will also need 1 grosz to send a verification fee from your bank account. The loan-related formalities themselves should be dealt with very quickly and, as the company emphasizes in promotional materials, consideration of the application and sending money to the account should take place within a few minutes.