A non-income loan is an offer of loan companies operating online. Taking such a loan is enough to declare the amount of income received. It may come from various sources, it is important to allow the loan to be repaid in a timely manner.
A loan without income – does it exist?
The non-banking market is very rich. We can find there both fast payday loans and installment loans for high amounts. Such a varied assortment uses a different loan policy. It is worth noting that, for this reason, there are, for example, several ways to check the income of the borrower, which are an important element in the allocation of additional cash.
Remember, however, that loans without income are also available on the market. What does it mean? The lender will require the application of the amount of our income in the application, not the exact source thereof. The loan company is interested in whether the income we receive will allow you to repay the loan. It can not be a problem for us and burden our budget.
Loan companies that operate online offer loan without income. Reaching for a loan without a certificate, we can be sure that we will receive the money in several minutes without leaving home. Remember, however, that before choosing a lender, use the offer comparison engine. The range of companies put together in one place will allow you to make a quick and accurate choice.
What income does the lender accept?
Income is the profit we get for work, sold or rented goods. We do not have to be employed on a contract of employment to be able to apply for a loan online. For the lender, income from the contract of mandate, contracts for specific work, pensions or pensions is equally important. Remember that alimony also has an effect on granting us a loan. They do not constitute income in themselves, but they can improve our creditworthiness and have a positive impact on the lender’s decision.
Documents that will prove our financial liquidity are also:
- Bank statement;
- documents confirming payments for gas, electricity, telephone, rent;
- confirmation of owning a car, machine or other mobile devices;
- confirmation of possession of the property against collateral;
A loan without income via the internet – under what conditions?
In order to reach for a loan without income via the Internet, you must meet some basic requirements imposed by the lender. First of all, it is having the right age. Customers from 18-27 to even 85 can take online loans. It is worth checking this condition earlier in order not to immediately meet the rejection of the loan application.
It is also very important to have Polish citizenship and a permanent address of residence in Poland. We must also remember about the active phone number and bank account number. The phone will be useful for us to verify your identity, the bank account in turn to withdraw money from the loan. The lenders have access to debtors’ databases, eg in the KRD register. They have no obligation to check them, hence the offer of loans without bikes, but if they have reservations about our person, they can do so. It is, however, worth having a positive credit history. This will certainly speed up the consideration of our application.
A loan without credentials – how do lenders check their clients?
A non-income loan is a good solution for those who work in several places at once and it is difficult to indicate the exact value of their earnings. How can lenders check the solvency of such people? Above all, they can look into debtors’ registers. All loan companies and banks have access to them. If the borrower does not look reliable, the loan company can contact the employer of such a person and ask about the actual income.
Credit risk assessment may also be based on the Contactmatic or Instantor service. Applications help borrowers look into the consumer’s payment history. A non-income loan may also be granted after reviewing the statements of payments made. If there is no arrears in them, it means that the borrower has an income that will allow for the timely repayment of the loan.