Contrary to the stereotypical belief, having a bank account is not an absolutely necessary condition for being able to obtain a non-bank loan online. It is worth being aware of the fact that modern loan institutions try to meet the expectations of various customer groups. Therefore, the offer of such entities also includes solutions such as, for example, quick loans without an account, i.e. with the option to pay the loan amount via a check.
This segment of the loan institutions offer is dedicated to clients who simply do not have a Polish bank account, or for various reasons are interested in obtaining loan financing bypassing the banking cycle.
Loans without an account: what you should know about it?
However, before we decide to take out a loan, it will certainly be worth familiarizing yourself with some basic information on this topic.
As has already been mentioned above, the offer of solutions such as loans without an account will simply mean the possibility of paying the loan amount via the Good Finance check. Do customers often wonder if this form of withdrawal is absolutely safe? The answer is: by all means. Good Finance checks are a cash flow model that can boast of centuries of tradition.
Another undoubtedly important issue is the fact that payday loans without an account are not a separate part of the loan institutions offer. What does it mean? A quick loan without an account is really a standard payday loan according to the conditions available in the offer of a particular loan company.
The only difference is the form of withdrawal
When completing the loan application, it is sufficient to indicate in the appropriate field that we are interested in paying out the loan by means of a Good Finance check and not by transfer to a bank account.
Of course, not all loan institutions operating on the market provide the option of paying out a loan via a Good Finance check. So how can we know if the lender offers the option we are interested in? It is worth reading the tabs Questions & Answers.
There is often a sample question like “Can I get a loan without an account?” It is certainly also worth reading the documentation made available by loan companies on their websites.
How much will it cost us to use the option to pay the loan amount by Good Finance check? The standard fee is from 4 to 10 PLN, which is rather symbolic. However, it should be remembered that when paying out a loan with a Good Finance check, i.e. bypassing the banking circuit, the liability will have to be repaid either through direct visits to the branch of the loan company, or using mail services. We will not be able to pay back the loan by a regular transfer from our bank account.
Loans without an account always available without having a bank account?
The issue indicated above is undoubtedly important. It is worth knowing that in many cases the phrase payday loan without an account will refer only to the method of payment of the loan amount. What does this mean for the customer? We may need a bank account at the stage of submitting the loan application, e.g. to verify our personal data through a verification transfer or Instantor type applications.
Therefore, before deciding on a specific loan offer, it is worth familiarizing yourself thoroughly with the loan application process for a given lender. Of course, there are also loan companies on the market that do not require the customer to use a bank account at all at any stage of applying for a loan, but these are rather few entities.
Most often, we will need a bank account for the purpose described above, i.e. to confirm our personal data and possibly to allow the lender to fully verify our creditworthiness (please note that applications such as Instantor or Kontomatik also download the history of our bank account, and not only our personal data).