Today, you can get a cash loan in a simple and easy way, using the offer of banks providing click credits, available completely online and without moving from your own apartment.
I remember very well when I tried to get a loan a few dozen years ago at a similar time, i.e. during the Christmas season. I admit that in those times I had no problem with that. Unfortunately, it was not as easy as it is now. At that time, it was not only necessary to spend a lot of time running from one bank branch to another. It was also necessary to provide a certificate of income on a special print from the bank, and then wait at least a few days for the decision on granting the loan.
Today, luckily, getting extra cash is much easier. First of all, we have loans on clicks or internet loans, which you do not even have to leave your home to get. To obtain them, you do not need paper certificates of obtained income and we do not wait for a decision for a few days, and at most a few hours. However, this is not all, because people who for various reasons can not get a loan through a bank are no longer condemned to expensive repayments. By opting for this option you no longer have to pay huge costs, which often exceed the amount of the loan itself. We can choose from a range of non-bank loan offers, the installment of which does not have to be drastically high in repayment, as was the case with popular home loans.
Although online click credit is already available from most banks, it will not be easily available in all of them. In many banks, this credit option on a click is reserved for people who are already a customer of a given bank. This therefore applies to people who have a personal account in a given bank or have already reached for a loan in it. If you have an account with any of these banks, simply log in to your account online. You should find a bookmark there, through which you will be able to take the loan completely online. However, I must add that in the case of a larger loan amount (which depends on the individual credit assessment), an additional visit to the facility may be necessary. For example, in order to sign a paper version of the contract.
Credit on clicks in online banks
And how to get an easy loan without leaving home, when we are not a customer of any of the above-mentioned banks? We are left to take advantage of the offers of several online banks that do not have fixed branches and give loans completely online. We will need at least 18 years to obtain a loan through such a bank. In addition, an active bank account for which the bank will be able to transfer the loan amount and a mobile phone. As I have already mentioned in part, the majority of such online banks do not require the borrower to provide additional income certificates. Instead, we will certainly be asked to send you an electronic bank account statement. Some banks have the option of automatically verifying our account using a special system.
Where do we get online credits on click?
One of the latest proposals for online credit for clicks is Peribank. The bank that debuted on our domestic financial market this year. A brand originating from Estonia, which extends its activity also to other European countries, just like Poland. Peribank’s offer may seem interesting because it has one of the higher amounts, which can be available entirely via the Internet. I am talking about the amount of which can amount up to PLN 50,000. The repayment period of a cash loan can reach up to 72 months.
One of the most associated brands when it comes not only to online credits on click, but also a range of financial products available online, is certainly the meybank brand. It is one of the first banks that allowed Poles to obtain credit using modern internet connections. Obtaining a loan at meybank does not have to involve a visit to a bank outlet. All formalities can be dealt with efficiently without leaving your home.
A well-known brand that has been operating for several years on the Internet loan market in our country is also iGotówka, operating under the wings of BNP Paribas. In this bank using the internet, you can loan up to PLN 10,000 or, in the case of the Pl @ net system, up to PLN 30,000. The latter applies to people who already have a personal account with electronic access at BNP Paribas and have already used the bank’s services. The loan repayment period can be spread over a period of 6 to 84 months.
GetMyBank is another of the proposals for fast online loans, which we can have on our account the same day. In the case of this offer, the cash loan amount may amount to between 500 and 10,000 PLN. We will of course be able to spread the repayment into monthly installments, which may vary from 3 to 36 months depending on our needs. As in the case of the majority of internet credit offers, also at Getin Bank we have the opportunity to choose whether to choose a loan with insurance or a loan without insurance.
The last of my click loan proposals is the only one in this article, a non-bank loan. I decided to post it here for a fairly simple reason. It is the cheapest loan granted by non-banking, the costs of which in the case of smaller amounts may even be lower than in the case of bank offers. Recently, I appreciated the company’s offer by posting its offer in the first position of the best non-bank loans for 2018. Of course, I am talking about the well-known Wonga company. Currently, through it you can get internet loans in the amount of up to PLN 10,000. You can adjust the loan repayment period depending on your needs and possibilities, and it can range from 3 to 24 monthly installments.