Off-bank cash loans

Non-bank cash loans Warsaw, that is, a better solution is a non-bank loan in a fixed-line company in Warsaw or an internet loan company. The answer seems to be simple: we should choose a loan that is cheaper.

A non-bank cash loan in the light of applicable law is a consumer loan if its value does not exceed PLN 255 550 or the equivalent amount in a foreign currency.

No non-bank loans are granted for such high amounts, which qualifies them for consumer loans.

What are the consequences of qualifying such loans for consumer loans?

When a cash loan agreement is concluded, the provisions of the Consumer Credit Act apply to it. Consequently, borrowers have consumer rights, and certain loans are imposed on companies providing such loans.

Non-bank loans are granted to people who have problems getting a bank loan or are looking for a quick loan with a minimum of formalities. The latter factor makes the loan companies’ offer also used by people who have sufficient creditworthiness to get a loan from the bank.

An alternative and a cheaper option for people with creditworthiness and using loan companies may be a limit on your account or credit card.

Non-bank loans are expensive loans

Non-bank loans are expensive loans

Loan companies use less stringent rules to assess a client’s creditworthiness, and therefore bear a greater risk of a “missed” loan.

At the first glance, a less complicated procedure is an advantage – faster and easier obtaining a loan. However, this can only be an apparent and short-term advantage. If we misjudge our financial capabilities, we increase the likelihood that we will fall into the “spiral of debt”. In the event that we can not repay loans in a loan company on time, and we do not have a chance for a bank loan, we take another loan from another loan company to pay off the existing one. An additional loan is an additional cost.

How does it look in practice? If the first loan amounted to PLN 1000 + costs PLN 250, then the total loan is PLN 1,250. In another loan company, we have to borrow PLN 1250 to give back in the first one. The second loan is also PLN 300, which means that we have to pay PLN 1,550. And we borrowed only 1000 zlotys …



We only use proven loan companies if we are looking for a payday or a non-bank installment loan.

A non-bank loan is expensive and there is no point in taking additional risks. When you borrow from an unverified company, you run the risk of losing money or collateral.

Search engine and comparison tool for non-bank loans makes it easier to search for a specific loan with given parameters. Using the sliders, we can determine both the value of the payday loan, the non-bank loan into installments and determine the repayment period.

The most popular loans on the internet are loans from PLN 50 to PLN 2,000 for new clients. In most loan companies, the first loan limit is set at PLN 1000 – PLN 1500. The period for which we can borrow is usually from 5 to 30 days. But there are exceptions, of course, such as an installment for 2 months or a one-time payment after 45 or 60 days.

After choosing a loan company in the search engine, you can check the details of the loan on the website of a particular company . Familiarize yourself with the framework agreement, regulations and apply for a loan.

Instant loan without private credit query

More and more private individuals today opt for an instant loan from the Internet. For the credit product speaks in particular the straightforward application, attractive interest rates and fast availability. Borrowers who want to take out an instant loan are faced with an enormous variety of offers thanks to the internet.

The banks in the network generally have no fixed branch system and are therefore able to give the borrower particularly attractive interest rates. In order to differentiate themselves from potential competitors in the market, many banks today offer variable-duration borrowing and provide the loan with generous credit lines.

In order to reach a larger circle of customers also instant loans without private credit query submitted, the instant loan offer without private credit of the banks on the Internet are not very different from a conventional instant credit product, only and alone in terms of the consideration of private credit differences can be fixed.

Since the private credit is not taken into account in the credit check, the instant loan without private credit query depends primarily on the income of the borrower. High-income borrowers should be able to calculate attractive opportunities in practice, even if they do not have a private credit instant loan.

Take out instant loan without private credit query – Pay attention to the comparison

Take out instant loan without private credit query - Pay attention to the comparison

When comparing multiple instant loan offerings without a private credit query, borrowers should focus on both credit line and maturity options, interest rate terms, and repayment possibilities. The most important factor in the comparison is always the interest conditions. Borrowers must necessarily differentiate between debit and effective interest rates if they want to compare several loan offers. The effective interest rate depends on the borrowing rate, the borrower’s term and credit balance, their income and, if applicable, their use. B

Most instant loan plans without a private credit query are credit products associated with installment repayments. The installment repayment is characterized by the fact that the entire loan amount at fixed rates and at the same time intervals is repaid. The repayment of installments has the advantage that the residual debt is quickly reduced by the constant rates. The fact that the interest costs are determined by the remaining debt, the borrower can look forward to low interest rates.

In order to be able to take out an instant loan without a private credit query at the best possible interest rate, borrowers should be able to show the highest possible income from work, since this is regarded as collateral for the repayment of the loan. Short maturities and small loan amounts contribute to a lower risk for the bank.

Find instant loan without private credit query – use credit calculator and save

Find instant loan without private credit query - use credit calculator and save

By using a loan calculator on the Internet, the borrower is able to compare loans taking into account term, loan amount, income, etc. Reliable comparison results can be achieved with little time using the loan calculator.