Simply put, loans without BIK are those that do not require the borrower to have a good credit history. After submitting the loan application to the lender, at its verification stage, the lender completely omits the aspect of checking a given person in the Credit Information Bureau. Who will this type of loan be a good solution for? First of all, if you are a person who has or has recently had unpaid debt – including overdue repayment or not.
Where can you get this type of loan?
By far the best solution would be to submit an application to a non-bank institution that specializes in this type of loans. You don’t know where to start and where to find this type of company? If so, be sure to check out LoansProfy’s offer – a free website specializing in searching for loans that meet your expectations. The site looks for the right lender according to three criteria – amount, payback period and your age.
For loans without BIK, a good example of a company providing such services is Serratum Bank login, thanks to which you can easily receive cash even if you have debts. The company specializes not only in installment loans, but also quick payday loans for 30 days. What’s more, the company has many promotions and special offers, guaranteeing the competitiveness of its services.
Why is it worth choosing a loan without BIK?
It is not uncommon that even if you have a good credit history, the lender refuses to grant the loan without giving the exact reason. This situation can be very problematic, especially if you care about time and you want to spend money on a very important, unforeseen expense. Lenders who do not check their clients in the databases have a much greater acceptability of applications, thus allowing you to avoid many unpleasantness. All you really need to do is fill out the loan application and wait a few moments for its verification. If everything is OK, the money will be immediately transferred to the bank account you specify.
Loans without BIK are a very good solution for people who have outstanding commitments or a negative credit history. What’s more, they are more often granted, mainly due to less stringent conditions. The advantage of such a loan is also quick verification of customers, due to the lack of verification of any databases. Unfortunately, like any financial product, loans without BIK also have their disadvantages. In this case, these are mainly costs – definitely higher, mainly due to the increased risk of such loans.