Loan for those in debt – where to find quick help?
Everyone who has already taken out a loan or credit and is at the stage of its regular repayment is called the indebted person. There are random situations in which we have to make another, independent financial commitment that will help us in another issue that is important to us. The situation gets complicated because our creditworthiness decreases significantly and banks do not look at our application so favorably. Do we have a chance to get a second loan?
What is a loan for those in debt and is it worth using it?
The above options make it possible to borrow, despite other previously incurred financial liabilities. Interestingly, these loans are also given in the case of bailiffs or a negative history in the Credit Information Bureau. This situation is therefore an ideal solution when we not only have obligations, but above all, when we are unable to meet them. In such cases, banks rarely help, not wanting to risk entrusting money to indebted and unreliable people.
So now there are options in the form of:
- Debt consolidation loans – a loan that joins all liabilities into one general financial liability. This option is extremely tempting, because it may be associated with a lower installment. Getting it is difficult because our credit standing, customer history at BIK is at stake. To receive an individual offer, please complete the so-called loan and credit consolidation application.
- Non-bank loans for indebted persons – an alternative for people who want to contract liabilities outside banking institutions. They omit BIK or KRD in their decisions. Most often it is taken online. Therefore, it can be granted to: people with other debts (e.g. loans), without verification, regardless of debt collection procedures, on the basis of the presented income certificate, despite the negative credit history
What disadvantages does the loan have?
Of course, not everything gold is celebrated, so such an offer has its main minus, namely the so-called higher cost. Compared to other offers presented to a person without debts – the final cost may be higher and the offer ultimately less favorable. So this is the final solution that we should take in the so-called situations without a way out. Importantly, the bailiff’s procedure is not suspended and is an unavoidable stage. So taking a minute does not remove the obligations of this ointment and does not solve the problem to zero. The only solution is negotiation, allowing agreement and agreement regarding debt repayment. In the event of the debtor’s death, it passes to the heirs (e.g. children), which should also be taken into account.
In case of doubt, it is worth going to banking institutions (which are much safer and more profitable) first, and then consider taking payday loans.
Where can we get loans for those in debt?
Debt is nothing pleasant. Debts are growing and we are unable to cover them completely from our income. In such a situation, a spiral of debt can easily arise when we cover subsequent loans with new ones, and thus we worsen our financial situation. Unfortunately, most loan institutions will refuse to borrow us money, but this does not mean that all of them will issue a negative decision.
Virtually everyone of us is exposed to debts, even those who currently have no financial problems. Often, all you need to do is lose your job, family problems or illness for the debt to arise. Therefore, we should always remember to regularly save for a rainy day. However, what if we already have debts recorded in the debtors’ bases and we need additional cash?
Non-bank companies milder for debtors
When we want to apply for a loan to the bank, we will be refused. Banks carefully check their clients in the bases of debtors, they ask for documentation confirming their income, so when they discover that we have debts, we will not receive a loan approval. The situation, in turn, looks different in non-banking companies that approach their clients more liberally.
Of course, not every non-banking company will be ready to give us money when we have debts. Therefore, in the search for an appropriate loan for those in debt, we should familiarize ourselves with various offers. Let’s remember that a loan for people without creditworthiness, i.e. with current or past debts recorded in the databases, will cost us more.
We also receive a loan for those in debt via the internet
We can go to a stationary facility for a loan for those in debt, but we can also get it online. It is a much more convenient solution when we do not have any facilities in the area or we simply want comfort.
In order to obtain a loan, we will first have to set up a customer account. We can do it in a few moments. When registering, we provide our own personal and address details, as well as other required information. Then we can choose the amount and repayment period of the loan that interests us the most. Then we write out the loan application and go through a special verification procedure. It usually involves making a transfer from your own bank account for the sum of 1 penny or 1 zloty. Verification can also be done by phone.
After submitting the application online, it is considered. It usually takes a few minutes, but only during the loan company’s business hours. When we receive a positive decision, we can have money at home even on the same day.
Always before taking out a loan for those in debt, we should think carefully about whether this is a good move for us. Let’s analyze your financial situation thoroughly and see if we can afford additional expenditure in our budget. If we do not pay off another loan, we will worsen our situation even more, and everything may end with debt recovery or a debt collection.
However, when your financial situation is good and the obstacles are past debts, which are recorded in the debtors’ databases, in this case loans for the indebted are a good choice. Let’s remember, however, that they will cost us a lot.