Online Loan | Up to PLN 180,000 Entirely via the Internet

As part of the “Greater plan – lower interest rate” promotion, the interest rate on the loan decreases with the increase of its amount. Special conditions apply only until June 28, 2016. Customers can count on up to PLN 180,000 without leaving home. Earlier, the maximum amount was PLN 150,000.

Details of offer:

  • Loan up to PLN 180,000
  • Repayment maximum in 8 years
  • Money for any purpose
  • All over the Internet
  • Loan calculator available
  • APY from 17.63%

Instant withdrawal time

Instant withdrawal time

Online credit at Trubank is very popular, especially among existing customers. It is hardly surprising – the entire credit procedure can take… 90 seconds. Provided, of course, that any income goes to your account and the bank has provided us with the option of taking a loan.

We tested the loan on ourselves and were very surprised by the express pace of getting it. All you have to do is log in to your electronic banking, click on the loan amount proposed by the bank, confirm the agreement with an SMS password and… that’s all. Money automatically appears on your account.

This is not the cheapest loan available on the Internet, but trust me – everyone is enjoying instant cash on the account, and the costs are of secondary importance at this moment. Something for something.

How much is the loan online via Trubank

How much is the loan online via Trubank

Trubank has always made available a loan calculator. It is not different this time. All you need to do is enter the credit site, check its amount, repayment period and insurance / no insurance. The system will automatically calculate the monthly installment and the total cost of the loan.

Examples of loan costs:

PLN 10,000 loan for two years, monthly installment PLN 502.44

PLN 15,000 loan for three years, monthly installment PLN 521.63

PLN 20,000 loan for four years, monthly installment PLN 541.81

PLN 40,000 loan for 5 years, monthly installment PLN 916.20

Are you looking for a loan for a different amount? The calculator is available here.

Additional benefits

Trubank boasts that the rules of his credit are as simple as the neck of a giraffe. In practice, this means:

  • A simple and transparent contract
  • PLN 0 for extending the loan period
  • PLN 0 for changing the date of installment payment
  • Summary of the loan on one page.

The ranking of all loans available via the Internet can be found here.

Payday loan during probationary period – problem solving in difficult cases

Most consumer loans are covered by the monthly income. Anyone who has applied for a loan during a probationary period therefore has little chance of obtaining a license from many banks.

Especially if the applicant does not know, upper is taken after the trial period. However, it is still possible to apply for a loan with these conditions.

However, the lenders then demand additional collateral.

The most important thing – short preview

  • During the probationary period, Job offers no security
  • Basically, therefore, all banks – even legislators wanted – are critical
  • Nevertheless, there are exceptions that you may count on
  • Check – best of all right now – even with a non-binding application your chances

Payday loan during probationary period – the inquiry with the house bank can be worthwhile itself

Credit during probationary period - the inquiry with the house bank can be worthwhile itself

Payday loan during probationary period – problem solved – case-by-case decision

A large part of all consumers are customers of a Folksbank and Raisinbank or a saveme bank. These bank clients often have long relationships with their bank and are personally known to the bank’s employees.

It is therefore also possible to request a loan during probationary period. Beforehand, a consultation must be arranged with the responsible customer advisor.

Bank customers only need a valid ID for their appointment at the branch office. As with all loans from German banks, a private credit statement is obtained and the credit rating checked.

In a personal consultation, it can be clarified whether the employment relationship will continue after the probationary period. Perhaps it is possible to submit a written confirmation from the employer.

Of course, banks also accept cash collateral. Without additional collateral, however, it will be very difficult to convince the client advisor.

Therefore, there is also the possibility that the client advisor advises to wait with a loan until after the probationary period.

The credit rating – that’s what the bank sees it

The credit rating - that

The credit requirements are always crucial for a loan application. Therefore, German banks do not issue a loan without a private credit statement and a credit check.

A payday loan during probationary period is therefore particularly difficult to obtain. However, some banks accept collateral.

These include various property or personal security. For example, many retail banks accept real estate assets, fixed savings assets such as funds and time deposits or high-quality gold and silver coin collections.

Anyone who can not provide the bank with collateral security needs so-called personal security. The best-known security of this kind is a guarantor.

As a guarantor good friends or close relatives come into question. Particularly important is the creditworthiness of a guarantor. The bank examines the credit requirements of this person particularly intensively.

Only when the liquidity is sufficient, the guarantor is accepted by the bank and the loan can be granted during probationary period. If the borrower is taken over after the probationary period, it is possible that the guarantor will be released from the contract at that time.

Applying for credits online – difficult during the probationary period

Applying for credits online - difficult during the probationary period

When it comes to credit, many consumers now use the Internet. The payday loans of the online and direct banks can be conveniently applied from home and are cheaper than the offers of conventional branch banks.

The loan application is simply filled out on the bank’s website. To this end, the online or direct bank provides an easy-to-understand online form.

Once the applicant has entered his personal details, a private credit information will be obtained. The preliminary credit check will reveal that the applicant is still in probationary period.

These questions must be answered truthfully in the loan application. Since the applicant can not be personally represented at the online or direct bank, a loan during probationary period is rather not possible.

Banks on the internet are too big for credit risk. If the borrower is not taken over, it can lead to a loan default.

Since these are pure Internet banks, loans are only secured with the monthly income.

Loans from credit marketplaces – help in financially difficult situations

Loans from credit marketplaces - help in financially difficult situations

If a worker is in probation, this is a particular risk to banks. Often, rejection is the result.

Credit marketplaces are an alternative to banks. Consumers who apply for credit on loan marketplaces during probationary periods can expect a commitment.

This is because the credit requirements are not as high as is usual at banks. The loans come from private investors and are brokered through the credit marketplace.

At Smava, the so-called personal loans of 1,000 to 50,000 euros are available. For credit periods, consumers can choose between 12 and 144 months.

It is particularly important that the information of the private credit contains no hard negative features. Applicants with entries such as arrest warrants, affidavits or personal bankruptcy will be refused.

To improve the credit conditions, the applicant can have a second borrower included in the loan agreement. This can greatly improve the prospects for a loan during probationary periods.

Reputable credit agencies – credit only with additional collateral

Reputable credit agencies - credit only with additional collateral

Many credit agencies promise to help consumers in financially difficult situations in their advertisements. The reputable financial service providers in this industry are keeping their promises.

Serious loan agencies offer loans with and without private credit. The different loan options are possible because credit agencies work with numerous banks both at home and abroad.

An agency fee is only due when a loan transaction is concluded. For consumers who are in the probationary period, for example, a loan with private credit information in question.

For a credit to be approved, credit agencies require a guarantor. This guarantor must fulfill at least the credit requirements for the chosen loan amount.

However, anyone applying for a loan-free loan during a probationary period in a credit intermediation service will be refused. A permanent employment relationship and a high net income are among the most important credit requirements for non-private credit loans.

Apply for Payday loan during probationary period – improve requirements

Apply for credit during probationary period - improve requirements

For consumers, a loan during a probationary period is very difficult to obtain. Due to the temporary employment relationship, the risk of default is too great for the banks.

Additional collateral, such as property or personal collateral, can result in a positive decision. Consumers should also consider credit offers from credit marketplaces or credit agencies.

Although credit conditions are not as good as they are with banks, a loan installment may be possible during the probationary period.

How to Pay off your Payday?

Repayment of the payday

Repayment of the payday

It would seem that each horse is obliged to know how to pay it back. However, according to the representatives of loan companies, many people do not know exactly when and how to repay the debt and, therefore, the lenders often have to bear additional costs due to borrowed money. So we will try to present below all information that will enable timely repayment of the payday.

By submitting a request for a break, we are perfectly aware of how much we will have to give back. For the loan companies on their websites have special calculators that will instantly show us what the cost of the loan is. Therefore, we do not have to wonder what amount to transfer to the loan company’s account. What’s more, usually a few days before the repayment date, we’ll get an SMS or email with a reminder of how much we have to pay. Once we know how much money we have to transfer, we need to know which account we need to transfer. The account number can be found in our agreement with the lender and also on the company’s website, usually in the tab with questions. If we already know how much and where to transfer money, we can make a transfer. Please enter the account number carefully and the amount that your bank is to transfer. A very important thing that many people forget about is to enter information in the title of the transfer that it is a payday refund of a given person. It is worth checking out on the lender’s website what to enter here, because companies often have different requirements in this respect – also this information is most often found in the tab with questions. After checking all the data, we can already make the transfer.

The time when we make the repayment is very important. We must remember that the money must flow into the account of the loan company in the period specified in the contract. This means that the transfer must be made a little earlier, because the money must “reach” from our bank to the lender’s bank. Unless we have bills in the same banks, then there is no problem, because internal transfers are made almost in real time. Therefore, we must make a transfer at least one business day before the repayment date. Then we will be sure that the money will arrive on time. Transfers to loan companies can be made both via online banking and in the bank window, by filling in a regular transfer.

Correct and timely execution of a transfer with payment of a payday, can save us from significant costs, because if we do not make repayment on time, the loan company will charge us with additional fees, which will significantly increase the cost of already expensive payday.

What are the Loan Options Online?

 

Online loan is a form in which the request is made via the Internet (and, in some cases, via telephone or ATM) and the money is deposited directly into the account of the beneficiary. The modality can be a quick fix for those who need small amounts to solve an emergency problem, such as a health issue, for example. However, the fees charged are higher than in the case of a payroll loan. See below what are the online loan options on the market:

Good for credit

Good for credit

Good Credit is not a financial institution, so you can not make loans online. The tool is useful, however, because it allows you to finance your loan with several institutions. In addition to the online option, it is possible to quote on the consigned loan site, with property and vehicle guarantee. To begin with, simply answer your occupation and how to repay the loan.

BankCity

BankCity

The online loan offered by BankCity – Digital. Available only to customers of the bank, it is contracted through the internet or at the ATMs and the amount is immediately deposited into the checking account. On the site , it is possible to make a simulation of the loan, putting value, term to pay and the date of payment of the first installment and knowing what will be the value of the installments. The bank gives up to 45 days to pay the first installment and the loan repayment can be split up to 48 times. It is not necessary to sign any documents or prove income, however, this modality is only available for some clients considered eligible. The maximum limit is R $ 50 thousand.

Maxcomcredit

Maxcomcredit

At Maxcomcredit it is possible to simulate the loan online, however, to close the contract you must go to the nearest company correspondent. The payment can be made by means of card and, in some cases, debit card. The maximum term is 18 months if the contracted value is less than R $ 1 thousand and 24 months for an amount equal to or greater than R $ 1 thousand. The amount is deposited in a checking account. If you do not have a bank account, you can apply for a loan. However, the maximum limit is R $ 2 thousand.

Ladesmaq

Ladesmaq

Also exclusive to account holders, Ladesmaq’s online loan allows eligible customers to request values ​​of up to R $ 1,000. To apply, you need to access Internet Banking, make a simulation and submit a proposal. The result comes out on time. If the proposal has been approved, you must validate the contract with the debit card password over the Internet and the money is released to the current account on time.

Of the House

Of the House

The Caosed online loan can be simulated directly on the Internet. Subject to the credit assessment, the modality allows the customer to receive the money directly into the current account through DOC or withdraw the amount at a Caosed branch. The request response will exit in 15 minutes.

In order to avoid risk in this type of loan, it is important to know if the chosen institution has credibility. To do this, verify that the bank or financial institution is duly registered with the Bank. The forms of payment vary according to the institution, but can be automatic debit in the checking account, check, debit card and card. Online loan can be an outlet to solve a timely problem but, resorting to this type of loan is not always a long term solution as interest is usually relatively high. Remember, the best path to financial independence is to invest in financial control which will allow you to create an emergency fund through monthly investments, so you do not have to use an online loan.

Short-time Loans

Refinancing the loan, delay in repayment of the loan, request for repayment

Refinancing the loan, delay in repayment of the loan, request for repayment

The borrower has the option of using a refinancing loan. Refinancing takes place after the Borrower has paid the appropriate amount for using the service depending on the amount of the refinanced loan and the period for which the refinancing is to be made. The full cost of refinancing is available after logging into the Customer Area.

Interest for untimely payment of the loan is calculated in double the amount of statutory interest for delay specified in art. 481 § 2 (1) of the Civil Code, ie twice the sum of the reference rate of the National Bank of Poland and 5.5 percentage points. In the event of a change resulting from a change in the amount of interest referred to in art. 481 of the Civil Code, the Borrower will inform the Borrower of this change immediately after its occurrence.

The borrower will be requested to pay the overdue amounts by contacting by phone, sending an SMS, e-mail or a written request for payment. The costs related to the delay are compliant with the Framework Agreement concluded with the Lender via Lenderspo. The Borrower will be charged for the costs of the recovery of the Loan in court proceedings.

In the case of joint fulfillment of the conditions set out in Article 14 or 16 or 17 of the Act of 9 April 2010 on sharing business information and exchange of economic data (Journal of Laws No. 81, item 530, as amended) in the event of failure to repay a loan or delays in repayment The lender may provide information about the Borrower’s obligations to the Economic Information Bureaus, which may affect the Borrower’s creditworthiness. The Borrower’s data are forwarded to the Economic Information Bureaus on the basis of a written agreement on access to economic information concluded by the Lender with the Economic Information Bureau and based on the provisions of Chapter 3 of the Act on disclosure of economic information and exchange of economic data.

Dispute settelement:

The entity competent for out-of-court settlement of a dispute arising from the contract concluded between the consumer and the Lender is the Financial Ombudsman. Contact to the Financial Ombudsman and detailed information about the proceedings are available on the website www.rf.gov.pl.

In order to resolve the dispute, there is also the possibility of using the ODR internet platform, available HERE. The ODR platform facilitates independent, impartial, transparent, effective, quick and fair out-of-court resolution of disputes between consumers and businesses online.

Personal data:

The administrator of personal data processed for granting the loan and performing the loan agreement is the Lender: Depending on the voluntary consent for marketing activities and also in connection with the loan agreement, the Borrower’s data will be disclosed to the Lender’s business partners authorized to process them.

Providing data by the Borrower is voluntary. Each person has the right to request access to their personal data, rectification, deletion, processing restrictions and their transfer. Each person has the right to lodge a complaint with the President of the Office for Personal Data Protection and object to the processing of his personal data. Each person has the right to object to the processing of his personal data for the purpose of marketing and processing based on automated decision making including profiling. More information regarding personal data can be found in the Privacy Policy.