Cash loans enjoy unflagging popularity among borrowers because the funds obtained from them can be used for any purpose. What’s more, their parameters are very diverse, depending on which bank you use, which is why everyone can find an offer tailored to their needs. Recently, the bank also introduced the possibility of using a cash loan without certificates. What is this about?
Only a few years ago, a cash loan without income certificates could only be found in the offer of non-banking companies. Currently, banks offer this solution to their clients. What characterizes such a cash loan and what conditions must be met to be able to apply for it? Check if you will get a loan without certificates. And see how the loan calculator will help you.
Cash loan without certificates – what is it characterized by?
A cash loan without certificates is granted to people who receive a steady income. However, he does not have to come from an employment contract. This can be, for example, a survivor’s pension, a mandate contract or work. Most banks that provide this type of loan have a positive attitude towards almost every source of income. However, it is worth checking in advance what requirements it sets for its customers.
A cash loan without income and employment certificates is most often granted on a declaration – the borrower must indicate in the credit application the title and amount of income he receives. So how is it different from a regular bank loan? A cash loan without certificates means that you will not be required to prove the values given with a certificate from your employer.
All you need is a bank statement, which will confirm the impact of your salary. Thanks to this, the entire loan granting procedure is maximally simplified and comfortable for the borrower.
Cash loan without certificates – can I apply for it online?
Can I get a cash loan without online certification? By all means, although only a few banks offer such a possibility. So before you make a decision about choosing a specific offer, check its detailed conditions. You will receive a cash loan without Internet income certificates.
Where else can you submit an online cash loan application without certificates? An interesting proposition in this respect is the Mini Ratka offered by Good Finance. You must know that cash loans without online certification are rare. It’s much easier to receive them when you decide to visit a bank branch.
How much money can I take out without presenting an income certificate?
There is no clear answer to this question because the maximum amount of such a loan depends on the bank’s policy. You can easily find a 5000 loan without certificates, or even twice as high, i.e. a loan of up to 10 thousand without certificates. However, you have to head a bit with higher amounts.
Nevertheless, some banks offer their clients a loan of up to 20 thousand without certificates. This amount will certainly prove sufficient to cover larger current needs. However, if you are looking for a 50,000 loan without any certification, there may be a problem.
Banks are reluctant to grant loans for such high amounts when they are exposed to risk. However, it is even possible to find a loan of 100,000 without certificates. However, this does not mean that you will not have to meet any conditions.
Do banks grant loans without certificates?
Cash loans without earnings certificates were formerly the domain of loan companies offering so-called payday loans. However, times have changed, and banking institutions are more accommodating to their clients.
So now you can find a loan without bank certification. You will also not need any collateral for the loan.
In which bank to take a cash loan without certificates?
Wondering at which bank a cash loan without certificates? The matter is not so simple. You need to analyze a lot of offers. However, we decided to help you with this by creating a special statement. From it, you will find out where to take a cash loan without certificates.
Cash loan without certificates at Fine Bank
To receive a cash loan without certificates at Fine Bank, all you need is your ID card, which is why it is also referred to as a credit card. To do this, you need to go to a branch or Fine Bank partner outlet. The maximum loan amount is up to USD 200,000. USD. Noteworthy is the relatively low-interest rate.
In the case of a loan of USD 15,000 USD. is 4.5%. If the credit decision is positive, the funds will be withdrawn on the same day.