Loans without BIK are a tempting alternative for people who want to quickly take out loans for the most urgent needs. Unfortunately, the lack of assessment of the borrower’s financial capacity means that more and more of them are unable to pay the declared amount. How do you borrow fast and safe money? CashMan tells you!
What is BIK?
BIK is really a short name of the institution – Credit Information Bureau. The unit in question deals with the collection of data on the credit history of bank customers and savings and credit unions. However, not everyone has good associations with it. Many bank’s potential clients have been denied because of the negative assessment.
The opinions created by the Credit Information Bureau are used to determine the credibility of the potential borrower. The office creates the so-called scoring, i.e. an individual assessment. Its components include elements such as civil and housing status, as well as income. On the basis of these and many other elements, the borrower’s profile is created. It is a set of basic information for institutions that grant a loan (unless they are not loans without BIK). The lender then determines whether you will have enough funds to repay the obligation.
In addition to BIK, there are also other institutions dealing with the assessment of clients. The most commonly used are: BIG, or Economic Information Bureau; ERIF Debtors Register and the National Debt Register.
There are many companies that provide loans without BIK. Unfortunately, many people overstate their financial capabilities. In an even worse situation are those whom private lenders have misled. Often, such people charge an advance. The consequence of such actions is the forfeiture of money. It should be remembered that each commitment should be repaid in a timely manner and in an appropriate amount. Only regularity will allow us to avoid unpleasantness and refusal to grant a loan in the future.
Loans without BIK – what alternative?
Imagine a hypothetical situation. You are on the road, and your car suddenly stopped working. A visit to a mechanic leaves no illusions – you need PLN 1,500 already. Unfortunately, your salary has just ended. Do not look for loans without BIK, which are not a reasonable antidote to your problem. First of all, the provision of a loan based on the BIK or BIG assessment is an expression of concern for the client. A thorough analysis of the borrower’s financial status allows to eliminate possible errors. Thanks to these measures, clients are able to meet their obligations and pay off the borrowed money. Of course, such people still have a positive BIK assessment and can apply for the necessary funds.
Why is it not worth being afraid of BIK?
Many people think that the Credit Information Bureau was established only to prosecute debtors. Nothing more wrong! If you’ve ever borrowed money (even if you do not have a loan without BIK), your name certainly appears in the register. This is not always a reason for panic. Some of us deliberately incur liabilities on low amounts to be a reliable client for the future.
A good example will be large loans – for a house or a car. If the bank notices that you previously borrowed money and repaid it in a timely manner – it is possible that you will be willing to lend you money in the future. Remember – safe cash is only one that will not charge your wallet. A good lender mainly cares about the client’s interest.
How to take out a non-bank loan?
All you need to do is go to the website using a computer, tablet or phone. Use the sliders to specify the time and amount of the commitment. If you have already decided on one of the options, fill in the questionnaire with your details. Then you will be asked for contact information, address and income verification.
3 reasons why you should take out an online loan
- You do not have to stand in the queue
You spent two hours in a queue and sent you back with a receipt? You can get money without leaving your home. You do not have to hurry – you have time to carefully analyze the documents, and no bank employee will hurry you.
- Quick and easy
You do not have to fill out the forms. If you want to take out a loan, all you have to do is enter your data and the system will automatically enter information into the system. If you act quickly, the money can be in your account in a quarter of an hour.
- Promotions for regular customers
If you are looking for a reliable company and a good alternative for loans without BIK, learn more about CashMan’s non-bank loans.