On the Polish non-bank loans market you will find companies that grant financial obligations online or less often at stationary outlets. There are also still lenders even offering loans at the client’s home. However, are there companies that offer phone loans? If so, how should we proceed to have our application accepted? See methods for payday loans by phone!
In what company payday phone call?
Below is a list of companies that offer their clients the option of applying for a loan by phone. If we are interested in one of them, just click “Submit Application” and we will be directed to the lender’s website, where we will find detailed information.
In the case of BestCredit lender, it is also possible to complete all formalities in stationary branches. It is worth looking at Lendon’s offer. In this example, we will explain how the payday phone proceeds after prior registration. The phone money offer is usually available to regular customers. If we are new customers, we will be asked to register your account in the company’s system. The registration form usually contains fields also required when applying. Therefore, payday phone calls will be a great help for regular customers. For the first loans, it’s better to go through the entire online process, because we won’t skip the need to verify your identity or complete the application anyway.
There are also companies on the market that grant loans by sending a text message by the customer.
What is a phone loan?
A telephone loan means above all a special form of applying for financial support, which should be exemplary as follows:
- Most often, the customer leaves the contact form on the lender’s website and waits for contact or less often calls the selected number of the company providing the loan on the phone.
- During the conversation with the consultant, he declares what amount he wants to borrow and when to pay it back.
- Familiarize yourself with the cost of the loan.
- Then, if everything is correct, he provides information that he would otherwise be required to enter in the appropriate places on the form.
- We also need to be prepared for additional questions from the consultant.
- In some cases, we can already receive a preliminary credit decision. Then the lender will verify our application and we will soon find out what his decision is.
- If the loan company accepts our application, then within 2 days at the latest, the money will be transferred to the account or paid in the way we choose, for example at a post office using a GIRO check.
What are phone loans really about?
A telephone loan is intended to be a quick way of receiving an extra cash injection that should help us in times of crisis. However, it is difficult to find a company that only offers phone loans. Usually, requesting by phone call is simply an option for quick application in the selected company. That is why it is even more important to beware of offers from unknown companies that advertise on Internet forums or through mysteriously sounding messages on bulletin boards. It could be a fraud attempt or suggestions from private individuals dealing with usury that is illegal in our country. Typically, these types of companies do not have their own website, which should raise suspicions. If we do not find an entry in the National Court Register of a given loan company, it is already a warning light that someone is trying to deceive us. Despite the unfavorable financial situation, beware of similar offers of private loans from non-legalized business activities. It is also worth looking through the register of KNF loan institutions. We may also use the list of public alerts from the PFSA, where institutions with suspicious illegal activity are published.
Phone loan without BIK – what does it mean?
It is difficult to find companies that do not check the customer in BIK, it is simply impossible due to the obligation to verify the borrower’s creditworthiness by financial institutions. Especially when it comes to banks that must act in accordance with art. 70.1. The Banking Act, which states that a loan will be granted after checking the consumer’s creditworthiness. In the case of loans without BIK, we are talking about non-bank institutions that check the client’s credit history less restrictively and allow them to take out a loan, despite slight arrears in repayment of other liabilities. In this case, we are talking about, for example, Fasticka, which grants loans to people who can present the guarantor. The resident signs a contract with the borrower, in which he undertakes to repay the loan in the event of problems with the settlement of the debt by the client to whom the money goes.
Fast phone loan – applications
A quick phone loan can also mean an application process for financial commitment electronically on a mobile device, i.e. using our smartphone. In principle, this type of application for additional money indicates a loan over the Internet, but we can also call it a telephone loan, because this device will be used to receive financial support. We are talking about a quick loan not only because of the shortened waiting time for the lender to consider the application, which is particularly emphasized in the sector of non-bank loan institutions.
A quick loan also means a minimum application time, which is possible thanks to perfectly adapted websites to mobile versions. The largest loan companies, after previous analysis of customer behavior showing that we are increasingly choosing a smartphone to browse the internet, care about the quality of service of their own loan services. They allow quick application for a loan or service of an existing benefit, among others: extension of repayment, reminder of installment dates, etc.
Hypocredit quick loan over the phone
Hypocredit, one of the most popular online quick loan companies, also has a telephone loan option. We understand it in two ways. At Hypocredit, we can apply for a loan by filling out the online form via smartphone. Then we follow the next directions in the application procedure.