Monthly Archive: September 2019

Financial Services Offers in Croatia – Online Loan

The financial services we are all less familiar with and offered by banks are somewhat different from the financial services offered by various lending companies. The latter are quite a fresh offering in our market (though they have been around for about ten years), given the banking financial services we are all familiar with.

Offering financial services not offered by banks!

The supply of financial services to credit companies, which is now finally the same in our country as in other, more developed countries of the European Union, is still relatively unknown in our market. Credit companies therefore emphasize that their financial services offer is constantly evolving; and according to what they believe meets the needs of the average client.

Thus, financial companies model the supply of financial services by listening to the market and the needs of the population, so that those who do not want or cannot use the offer of financial services of banks benefit from them. The offer of financial services certainly includes micro-loans online!

Offering financial services as needed by citizens

And while more and more credit institutions are emphasizing how they tailor their financial services offerings to citizens and current trends, not every company offers the same services as others. However, there are a few things that are more or less included in the offer of financial services: so-called sms loans, quick loans, micro loans, quick, non-certified employer loans, online loans and other types of financing that should help to those who need it most…

Much of this, as we noted, differs from one loan company to another, but we will try to list some financial services that are similar to them all in their offer. Most of them give quick cash loans of smaller amounts (around HRK 6,000) with a repayment period of five months or 150 days.

It is also important to note that financial services are short-term in turn, giving the borrower an opportunity to repay quickly and also to re-borrow if needed. Of course, if you used some of the financial services offered by a company (and agreed to repay it on time), in case you need them again, crediting will be even easier and faster.

SMS credit financial service

money loan

Credit companies were the first to introduce SMS financing. The point is to get a loan or a loan as fast as possible, or to kind of “reward” clients who have already used something from their financial services offering; loan or loan; so the second time they can get it by simply sending a text message – without pledges, bank certificates, notaries or employers’ certificates, but also without hidden costs, traps or small letters …

Online financial services offer

money loan

Because they offer credit services through their websites, offering financial services online or online applies to all, new and old customers. This financing service includes fulfilling, but also submitting, a request that decides whether a certain amount of money will be approved to you.

A tablet, pc or any smartphone can be used to offer financial services online. The Internet, just like SMS, is the fastest and safest way to get money within 15 minutes of the delivery of the signed documentation, and the payment is also made exclusively electronically, directly to the client’s current account.

Client privacy guaranteed

Client privacy guaranteed

Thanks to online business, credit companies can run their business completely openly and transparently, with no hidden costs. Therefore, each client is aware in advance of the amount of money he / she returns, that is, the principal and interest. The discreet approach seeks to work with each client individually to give him or her a fair relationship with confidence – a practice that all credit institutions have.

Offering non-bank financial services is constantly expanding and evolving, trying to meet all customer needs. Client information is stored and shared with others, giving everyone maximum privacy. Financial services offerings at most credit companies include professional advice from employees to help build a good relationship with customers and partners.

Payday loans without transferring a penny for verification

Are you looking for payday pay without having to transfer a penny? Check out our article to learn what to look for and where to look for such payday loans!

Payday loans without transferring a penny – what makes these payday loans different?

Payday loans without transferring a penny - what makes these payday loans different?

In the borrowing process, it is a very important step for the lender to verify the customer’s bank account. Sometimes it is a prerequisite that the borrower must meet in order to receive a positive decision to grant payday loans online. What if our account is empty or is occupied by a bailiff? Do you urgently need a loan? See what is characterized by instant pay without transferring a penny. Currently, borrowers have a chance to get financial help without having to make a verification transfer. Instant payments without transferring a penny are available in non-bank companies that use special applications to verify user data on a bank account. Checking the data is very important because it confirms to the loan company that the account given in the form belongs to the borrower. Thanks to this, non-bank companies care for the safety of their clients. When receiving a transfer from the borrower’s account, the financial institution sees information about the sender.

Payday loan is a popular product designed for people who want to get a low loan amount and are able to pay off their liabilities in a short time. The advantage of short-term online loans is that as new customers we have the chance to get the first loan completely for PLN 0. Non-bank companies are also trying to organize competitions and promotions for their regular and new clients. Payday loans without the need to transfer a penny are distinguished by a minimum of formalities, which means that the money on the customer’s bank account goes quickly.

Online payday loans without transferring a penny – where do you get a payday loan without transferring?

Online payday loans without transferring a penny - where do you get a payday loan without transferring?

Online payday loans without transferring a penny can be found in non-bank companies that verify customer accounts using special applications.

The first application that lets us get payday loans online without transferring a penny is Instantor. After completing the loan application, the borrower will be able to choose whether he wants to make a traditional transfer of PLN 0.01 to the lender’s bank account or wants to use the Instantor application. The Instantor service allows express confirmation of the customer’s identity and obtaining the necessary financial data. It works on the principle of screen scraping, i.e. automatically downloading the customer’s credit history. Data is subsequently processed and the system creates a special report that informs the lender of the borrower’s creditworthiness. The process takes place without user intervention. By obtaining the necessary data, non-bank companies give decisions on whether to grant or reject a loan application.

Payday loan without a penny, or payday pay without formalities

A payday loan without a penny means that the formalities are reduced to a minimum. By using one of the applications listed above, which verify the data on the customer’s bank account, in order to compare them to the data we provided in the loan application, we are able to accelerate the process of obtaining a decision to grant or reject a loan application. If you care about time and need money for already, it is worth checking the offers of non-bank companies that offer payday loans without transferring a penny.

Let us remember, however, that during the user registration and borrowing process, loan companies also verify their claimants in the debtors’ databases. If we are people who in the past had problems with paying the financial institution, in this case, look for offers in which we will find payday loans without BIK without transferring a penny. Some lenders grant loans to people in debt. However, these are offers whose process of obtaining them is certainly slightly longer. The lender usually asks for a person who decides to help the borrower and agrees to become his guarantor. In a sense, it is a collateral for a non-bank company if the customer fails to record the loan repayment.

Payday loans for 60 days free List of Companies

The payday loans shall always be paid in full after the deadline specified in the contract. The basic duration of the contract (30 days) may be too short for many consumers.

Unexpected expenses will appear quickly, and it may take some time for everyone to get back to a stable financial position. Products with a longer repayment period have been prepared for such people.

Free payday loan for 60 days at Fast Loan company

You will get the fastest time for 60 days on the internet. All you have to do is log in to the website of the selected company and then apply for a loan. The company will assess your creditworthiness and make a withdrawal to your bank account. The whole procedure can take several minutes.

There are 3 companies on the market that offer products with extended repayment dates. Two of them are free (Quick Loan and Money Man). You have to pay PLN 10 for a loan from Wonga – which does not change the fact that it is a very safe and popular product.

Advantages of payday loans for 60 days

bank

The main advantage of a longer repayment period is a greater chance of changing your financial situation (increasing your income). In this way, loan companies minimize the chance of difficulties in repaying the liability.

There are many non-bank loans with a longer repayment period on the market – but they are hard to call payday loans. In instant loans, the most important thing is instant access to funds.

When collecting an installment loan, the company will require you to provide relevant documents, and this will extend the time to withdraw funds. In addition, with installment loans, companies analyze the customer’s creditworthiness in detail – for payday loans, this check is a cursory.

Most companies that provide typical payday loans (limited checks + instant payout) only do this for 30 days. The purpose of free loans is to expand the customer base – therefore it is more profitable for companies to sell shorter products. Further loans in the selected company are already payable.

Remember that payday pay remains free only if you meet your obligations on time. If you exceed this deadline – the company will impose additional fees on you.

Disadvantages of payday loans for 60 days

Disadvantages of payday loans for 60 days

When collecting loans – the most important thing is to correctly assess your financial standing. Companies do not perform a detailed analysis of each client’s creditworthiness. Without providing different documents, this is simply not possible. On the other hand, requiring documents significantly delays the loan payment date. Therefore, in the case of payday loans, the burden of creditworthiness assessment lies with the customer.

Many consumers of payday loans overestimate their options and charge more than they can pay back. Then various problems arise. Most companies charge significant fees for the extension of payday pay (most often it is from 100 to 200 PLN for extending the deadline by 7 days). If the repayment deadline is significantly exceeded – the contract may be terminated and penalty interest and recovery costs will be charged to the client.

Who can apply for loan restructuring?

Most of us use the option of taking out a loan. It is often the only way to buy a flat or a good car. However, there are times when repayment of a loan becomes a problem.

Restructuring of liabilities is advisable.

One of the encountered cases of debt relief is the restructuring of the mortgage loan. The mortgage loan amounts to high amounts and is spread over many years. It is no wonder that in such a long loan period random events may arise, which will result in problems in paying off the debt. It could be job loss or unexpected expenses. Few people know that if you find a new job after losing your job, you can also apply for a reduction in loan installments. Similarly, if you have a disease that may cause you to be unable to work for some time. Considering the expenses related to the possible treatment and purchase of medicines, this is particularly acute. Another example is entrepreneurs whose companies have very high incomes in one financial year and low in others.

Worth knowing! The longest loan term you can currently apply for in banks is 50 years.

Restructuring can be done in different ways. One option is to lower the installment . This involves extending the loan period. Another way is to suspend repayments for a period of time (for example, six months). The most important rule during negotiations with the bank is the fact that the bank must be guaranteed that in the near future the borrower’s situation will improve and he will be able to continue paying the installments. Who can apply for restructuring? Virtually anyone who expects to spend more in the near future or reduce their income. However, if the bank’s client did not try to restructure in advance, and in addition he is already in arrears with payments, and even has been recovered – there is still the possibility of reversing this situation also through restructuring. It should be remembered that for the bank reaching for hard debt collection methods is also not a convenient solution, because the bank incurs high losses in the event that such solutions prove ineffective.

Therefore, loan restructuring is the optimal solution for both parties.

Therefore, loan restructuring is the optimal solution for both parties.

Therefore, people with a bank loan who are unable to pay installments at all, or in the same amount as before, can apply for a debt relief. To apply for restructuring, you must submit a relevant application to the bank and use appropriate arguments to illustrate the situation. It is important to support them with reliable documentation.