Loans are becoming more and more common. Research shows that definitely more than half of people currently repay some credit, almost 80% of us have ever dealt with credit products. These include mortgages, cash loans, payday loans, credit cards and account limits. We are more and more willing to use the financial assistance of banks and loan companies, because thanks to it we are able to implement our own plans faster. Thanks to loans, we can buy things we dream about faster, eg cars. Instead of postponing a certain amount from your monthly salary and buying a car after a few years – we can pay monthly installments and at the same time use the car you want.
Loan for income statement
Income credit and ID cards are also gaining popularity. It appeared on the market in response to the needs of its customers – those who are living at an ever faster pace, do not have time to visit the outlets, and they need additional cash from time to time. Its offer includes both traditional banks as well as parabank institutions and loan companies, although it must be admitted that the latter provide them easier and more willingly. The loan for the income statement and ID card is quick, it is very easy to get it, and you only need a few minutes.
Does the income statement loan have any disadvantages? Unfortunately, yes – just like any financial product. One of the disadvantages that loans have on income declarations may be that they limit their maximum amount and a higher interest rate. Due to the minimized amount of formalities, the applicant usually cannot count on receiving cash in the same amount as during a traditional form of loan. This is due to the fact that the lender calculates the capacity and is based solely on providing the client in writing and possibly additional documents such as an account statement. However, in most cases, loans for a statement of income are sufficient for the average financial needs of most customers who value discretion, ie no need to provide certificates from the employer and quick analysis of the application.
What is an ID card loan?
To obtain such a loan, it is enough to be 18 years old and have a valid ID card. All formalities are only a necessary minimum and usually do not take more than half an hour. We fill out a simple form via the Internet, in which we declare, among others what are our earnings and living costs. It is enough for a loan company to be able to assess our creditworthiness. Importantly, the information we provide will not be verified. Our employer will certainly not receive a phone call asking if the statement contains real information.
The loan company will also not require documents in the form of an employment certificate or employment contract. Verification is as discreet as possible and no third parties are informed. We also need to know that the loan company will not verify our credit history at the Credit Information Bureau prior to issuing the credit decision. This is important for people who have had problems with paying their debts regularly in the past. In this case, this will not be a problem and should not prevent you from getting a loan.
Cash loan on declaration – how to get?
The loan granting procedure lasts from several to several dozen minutes. After completing the online form, we await a response from the loan company. If we prefer to settle the matter in person – we can of course visit the branch of the selected company. In the case of online verification – funds will be paid by transfer within a few minutes. If we apply in person at the branch, we can also use cash withdrawals. This happens as soon as you accept the contract.
Remember to read the terms carefully. We should know how much time we have to pay the debt and in what monthly installments it will take place. A loan for an income statement and ID card is a convenient way to quickly receive cash in an emergency, but let’s not be surprised by the fast repayment date or the high costs of obtaining it.