New payday loans – check out the latest non-market loans


New payday loans – where to apply for new online loans 2019?

New payday loans - where to apply for new online loans 2019?

Due to the increase in prices, more and more Poles consider borrowing something completely natural. Low creditworthiness and bad credit history in many cases exclude a chance for a bank loan. No wonder then that the non-bank loans sector is growing faster and more and more websites are offering new payday loans and installment loans on the market.

One of the most desirable non-bank products are undoubtedly new loans without databases, such as: BIK, KRD, ERIF, etc. They are characterized by high granting power, but their offer is limited. For this reason, new payday loans without BIK or new payday loans for those in debt enjoy such interest. There are quite a lot of new products on the market.

Stylon – new payday loans as proof

All you need to apply for a loan online at Stylon is an ID card and a mobile phone. The institution does not require presentation of a salary certificate. New customers can borrow PLN 1,500 per month for free. The amount available for the next loan up to PLN 3,500, and the money can be transferred to the borrower’s account after a few seconds. The company enables early repayment and refinancing of the loan.

Loan terms in Stylon:

  • available amount: from 100 to 3500 PLN,
  • first loan for free – up to PLN 1,500,
  • maturity: 1-30 days,
  • age: 22-75 years old,
  • without BIK: no.

Online payday loans, new loans without income certificates in Viloan

The Viloan loan service allows you to verify your identity through the Kontomatik service, so you can get money extremely quickly. You can apply for a maximum of PLN 3,000 for the first loan and 4,000 for the next. The maximum loan period is up to 3 months.
Borrowers can be people aged 21-65 who have adequate creditworthiness and are not registered in the KRD. They are not required to receive a salary certificate or collateral. It is also possible to extend the repayment date.

Loan loan terms:

  • available amount: from 100 to 4000 PLN,
  • first loan for free: no,
  • repayment term: 15-90 days,
  • age: 21-65 years old,
  • without BIK: no.

Small Loan – new without BIK up to PLN 2,000

We can apply for a small loan from a maximum of PLN 2,000 for 30 days. The condition is age from 21 to 73 years and no entry in the database of debtors. We will get the first loan for free. Identity checking is done via a traditional verification transfer or the Counter service, thanks to which the money is instantly transferred to the borrower’s account. There is a chance that the liability will be settled sooner and the loan repaid.

Loan terms in a small loan:

  • available amount: from 200 to 2000 PLN,
  • first loan for free: up to PLN 2,000,
  • repayment deadline: 5-30 days,
  • age: 21-73 years old,
  • without BIK: yes.

Astro Finance – little known payday pay up to PLN 6,000

To receive a loan at Astro Finance, all you need is a valid ID, positive creditworthiness, and no entry in the debtors’ registers. Online applications can be submitted by people between 20 and 75 years old. The maximum loan amount is PLN 6,000, which can be borrowed for 30 days. Banking data verification is carried out by the Kontomatik application.

Loan terms in Astro Finance:

  • available amount: from 100 to 6000 PLN,
  • first loan for free: no,
  • repayment deadline: 30
  • age: 20-75 years old,
  • without BIK: no.

Creditmeno – new payday loans online for a month

Creditmeno offers both payday loans up to PLN 3,000 for 30 days and installment loans up to PLN 5,000 for 24 months. It is a loan without certificates, so you only need an ID card to take it. To apply for money, you must be at least 21 years of age, your creditworthiness and no entries in the debtors’ databases.

For the first loan, you must provide two phone numbers for relatives or friends that the lender will be able to contact when considering your application. Identity verification is carried out by the Kontomatik service. Regular customers receive bonuses from time to time, participate in cash lotteries and are the first to receive access to the latest services offered.

Creditmeno loan terms:

  • available amount: from 100 to 3000 PLN,
  • first loan for free: no,
  • maturity: 15-30 days,
  • age: from 21 years old,
  • without BIK: no.

Mini loan – new payday loans for 18 years

The first payday without interest in the Mini loan can be up to PLN 2,000. With the fifth loan, the amount increases to PLN 5,000, however, the loan limit depends on the individual assessment of your creditworthiness. We have 30 days to pay back the money. The amount of loan granted always depends on the individual assessment of creditworthiness and in the case of regular customers on the cooperation with the lender so far.

The low age threshold for borrowers allows them to take payday pay for 18 years. All you need is your own bank account and no backlog in the databases of the Credit Information Bureau and Economic Information Bureaus. An income certificate is not required. The borrower’s identity is confirmed by means of Quick Identification or a verification transfer.

Mini loan terms:

  • available amount: from 500 to 5000 PLN,
  • first loan for free: up to PLN 2,000,
  • maturity: 7-30 days,
  • age: 18-75 years old,
  • without BIK: no.

LendFor – new non-bank loans for those in debt for 45 days

The LendFor website offers payday loans online, telephone loans, payday loans and loans without BIG. In some cases, reserves the right to check the customer in the BIK, BIG and KRD databases. The amount of the first loan is PLN 3,000 for a period of 45 days. The amount of subsequent loans for customers paying back on time increases with subsequent loans and is determined individually. The company does not grant loans without verification in the registers, BUT – it looks favorably at people who have poor BIK scoring.

A maximum of PLN 5,000 can be borrowed. The condition for obtaining a loan is to have an identity card, Polish citizenship and age from 21 to 70 years old. Identity verification is done using the Instantor service or by penny transfer. The lender does not anticipate postponing the repayment date. However, if you have financial problems, you can apply for a loan refinancing.

Loan terms in LendFor:

  • available amount: from 500 to 5000 PLN,
  • first loan for free: up to PLN 3,000,
  • repayment deadline: 5-45 days,
  • age: 21-70 years old,
  • without BIK: yes.

Gusi – new payday loans for high amounts’s offer includes payday loans up to PLN 10,000 for 30 days, and the first promotional loan up to PLN 3,000. In the event of problems with repayment, it is possible to extend the time limit for paying the loan once by 7, 14 or 30 days. People from 20 to 75 years old who do not have entries in the database of debtors can apply for money. Identity verification is done using a traditional penny transfer.

Loan terms in Gusi:

  • available amount: from 200 to 10,000 PLN,
  • first loan for free: up to PLN 3,000,
  • maturity: 1-30 days,
  • age: 20-75 years old,
  • without BIK: no.

LoanHok – new non-bank loans for young people

A quick loan in LoanHok can be applied for by people aged 18 to 75 who have no arrears entered in the databases of the Credit Information Bureau or Economic Information Bureaus. The maximum possible amount of the liability is PLN 5,000 for 30 days, but it is only possible for the fifth and each subsequent loan.

The borrower’s credibility and creditworthiness determine the amount received. The lender does not require proof of earnings, pledge or guarantor. The customer’s identity is checked by Quick Identification or a traditional verification transfer.

Loan terms in LoanHok:

  • available amount: from 500 to 5000 PLN,
  • first loan for free: up to PLN 2,000,
  • maturity: 7-30 days,
  • age: 18-75 years old,
  • without BIK: no.

Fina Card – new payday loans for those in debt

Fina Card is a non-bank credit card with a limit of PLN 6,000. The minimum repayment amount is 15% of the granted credit limit and may not be greater than the total sum of liabilities on the card. If we repay only the minimum amount in the first 5 days of the month, the interest rate will be just 0.75 percent. per month, while the administrative commission will reach 5.25 percent. monthly.

We can receive the Fina Card without the need for a verification transfer confirming the authenticity of personal data and the bank account of the consumer. The conditions to be met by the person applying for an Fina Card are: completed 21 years, earnings of at least PLN 1200 a month, income certificate, valid ID card and no negative credit history.
Loan terms with Fina Card:

  • available amount: up to PLN 6,000,
  • first loan for free: no,
  • repayment deadline: 30 days,
  • age: 21 years old,
  • without BIK: no.

New non-bank loans – installment loans

New non-bank loans - installment loans

New online loans are not just payday loans. Dynamic development can also be seen in the long-term loans sector. New installment loans are the solution most similar to the bank loans known for years. The differences between a loan and a loan obviously relate to the available amounts and repayment periods, but the main aspect affecting the popularity of new loans is the significant reduction in formalities. Both solutions have their supporters. Those deciding on new loans are convinced by the ease of application combined with a convenient repayment schedule. Installment loans are often used to consolidate or refinance other liabilities. Among the new products available on the market we will find services such as:

  • Lend On in installments
  • Fuenda
  • LoanMe
  • Mozipo
  • Duochash

New payday loans 2019 – why choose little-known payday loans?

New payday loans 2019 - why choose little-known payday loans?

New loan companies do not have to be neither worse nor better than those that have been working on their market position for years. New payday loans do not have innovative rules of operation, but they may have more friendly and flexible conditions for verification of applicants. The latest payday loans appearing on the internet without checking the databases can be a great option for people who have a low BIK score.
However, new loans can be an interesting alternative for people who often use this form of financing. Why is it worth choosing new payday loans online?

  • often have favorable promotional offers,
  • we have a chance for the first loan for free,
  • sometimes they offer better conditions than on large websites,
  • other granting conditions give you the chance to receive money even if you have been refused a loan from other institutions,
  • can be used to repay current liabilities,
  • a new loan is a new opportunity to build the borrower’s credibility and a positive credit history.

New payday loans on the loan market also have their drawbacks. The largest of these is probably the low maximum amount you can apply for. Loan companies, unlike banks, use only their own capital. That’s why, at the beginning of their business, they offer loans online for a low amount account.

What to look for when looking for new loan offers?

What to look for when looking for new loan offers?

Before you decide to trust a new institution, it’s worth knowing where to check the credibility of a loan company. If nothing raises our doubts, you can proceed to analyzing the offer. Internet comparison websites and payday loans ranking can be helpful here.

Customers are often worried about not having enough information about the offer on the lender’s website. In this case, it is worth contacting a consultant who will surely answer all your questions. Remember to check the offer to pay attention to such aspects as:

  • available amount and loan period,
  • APR,
  • repayment schedule,
  • the amount of loan-related fees,
  • way of verifying creditworthiness,
  • a chance to extend the repayment deadline and refinance the loan.

The most important thing when choosing a loan is, as always, common sense. New payday loans via the Internet tempt with their attractiveness and ease of inference. That we would miss us debt spiral it is worth sticking to the most important rules of borrowers: carefully check offers in loan comparisons, borrow only as much as we need and pay off obligations on time. New payday loans are new opportunities, let’s use them wisely.

Problem with loan repayment – what to do?

March 21, 2016 It doesn’t take several years for our lives to change completely. Sometimes it only takes a few minutes for relatively good future prospects to disappear from our view. You can get caught up in problems instantly, which will quickly ruin your current location. For example, lose your job and lead to a delayed payment of the cash loan installment. Fortunately, this is not a dead end. If we made a commitment some time ago, and now we are unable to pay the installments, we can use several solutions. Our expert will advise you on how to overcome the financial crisis. 

Polish debt is still a current problem

Polish debt is still a current problem

The problem with loan repayment concerns many Poles. They ask themselves every day what to do about late payment of the cash loan installment and any other liability that is the source of their trouble. Unfortunately, skillful dealing with debts is not an advantage of the inhabitants of our country. Quite the opposite – credit installments often overwhelm us. According to data from the beginning of October 2017, the value of overdue debts is PLN 25 billion. 3 million outstanding claims belong to 1.8 million Poles. The most unreliable payers are men, who have to pay back as much as PLN 19 billion. Why are we getting into debt? Mainly through loans, telecommunications contracts and loans.

A break in loan repayment is not a dead end. You can effectively deal with temporary financial indisposition that has affected our budget. What to do to see the future in positive colors again?

Negotiations with the bank

Negotiations with the bank

First of all, contact with a banking institution cannot be avoided, counting on the statute of limitations on debt. Although the debt arising from the non-repayment of a cash loan or loan is barred after three years, according to applicable law, the creditor is still entitled to claim reimbursement. Because the statute of limitations does not expire, you can still claim a refund before the court. Only when the debtor raises an objection of limitation does the court agree with him. Otherwise, the debt collection company will easily obtain an order to pay the expired claim, because the judicial institution is not required to thoroughly investigate the case. The government is working on a statutory prohibition on pursuing time-barred claims, but this is only a draft amendment.

By negotiating with the bank, you can get out of the crisis by finding a solution that will be beneficial to both sides. We should not hesitate to talk. The sooner we report to the institution, the better the chances are that our requests will be accepted. What can we apply for?

Suspension of loan repayment

Suspension of loan repayment

The first option is to suspend loan repayment, i.e. credit holidays. It is worth knowing, preferably before signing the loan agreement, whether the bank we selected allows you to temporarily stop paying installments. Thanks to this, we will avoid the consequences of late payments. Sometimes banks agree to a suspension of repayment for several months, without exempting us from paying interest on the loan. The suspension concerns only the installment itself. What’s more, you should also take into account the commission on credit holidays. Financial institutions try to help customers, but each additional service usually involves fees.

Repayment of a cash loan while complying with the contract is very important to us. If we do not comply with the initial arrangements, we will lose financial credibility. Then future efforts to get a cash injection may prove fruitless.

Change in the amount of cash loan installments

Change in the amount of cash loan installments

The difficult financial situation can also be normalized by changing the amount of cash loan installments. Initially, it seems to us that the set amount of payments will not disturb the peace of budget management. Unforeseen accidents and unexpected costs can make the installment too big.

Sometimes the problem is not the installment itself, but the day of payment. When determining the terms of the contract before taking out the loan, we did not pay attention when we receive the payment. As a result, we are unable to accumulate the necessary funds on time. Then eliminating the trouble can be very simple.

Extending the loan period

Extending the loan period

If neither credit vacation nor change in the amount of cash loan installments are solutions that would be helpful to us, perhaps it will be more convenient to apply for an extension of the loan period? The bonus in the form of extra time to settle the loan can be beneficial to our budget. Thanks to this we will reduce the monthly installment.

Keep in mind, however, that the new repayment date is tantamount to an increase in the amount we will have to pay. The bank will add additional interest, but since we avoid a bailiff, it is worth considering such a solution. Remember to recalculate all costs carefully and plan your finances with all fees in mind.

Borrowers Support Fund

Borrowers Support Fund

Also, when we have a home loan, we can get the help we need. If we lost our job and registered as unemployed, let’s apply for funds from the Borrower Support Fund. From February 12, 2016, the Fund provides support for a period of up to 18 months, in the amount of mortgage loan principal and interest installments, but not more than PLN 1,500 per month.

Such support should, of course, be returned, but only after 2 years from the end of receiving support. The funds can be used by people who lost their jobs because of no fault of their own. The Borrower Support Fund is therefore not for disciplinary dismissals or for those who have themselves resigned. What if we work and we still can’t pay it back? When the monthly loan installment exceeds 60% of our income, then we can also apply for such assistance. Applications for support should be submitted to the branches of the banks that granted us the housing loan.

Credit Consolidation

Credit Consolidation

Consolidation of liabilities may also be a beneficial solution. It is a particularly attractive proposition for people who have problems with timely payment of several simultaneous payments.

What is the consolidation loan? It is a combination of various receivables (e.g. cash, mortgage and installment loans) into one receivable, often much lower than the sum of individual receivables. The exact amount depends on the conditions the bank offers us and the loan period. An additional convenience is the possibility of receiving an additional amount that will be used to pay for the most urgent needs.

Declaration of consumer bankruptcy

Declaration of consumer bankruptcy

When the installment overwhelms us, the final solution is to file for bankruptcy. There is one condition – debts cannot be our fault. If we had insufficient knowledge or we show that we did not understand the formal issues, the court may also grant our request and cancel the liabilities. The same as in the case of job loss, illness or participation in an accident that caused health damage. Each case is thoroughly investigated to exclude the applicant’s dishonesty.

Who can definitely not declare consumer bankruptcy? Is a person who currently conducts business activity or has had such activity during the last six months. Does this not concern us? In that case, we can apply to the bankruptcy court of your place of residence.

How to contact the bank?

How to contact the bank?

How to contact the bank when we have a problem paying off the loan?

Three basic ways to contact a banking institution:

  1. A visit to a bank branch.
  2. Hotline phone.
  3. Submitting an application by post or email.

It is not important which way you choose. The main thing is not to underestimate the trouble and talk to find the best solution. The lack of any action will not make the problems disappear. On the contrary, trouble will increase and sooner or later we will have to face the unpleasant consequences of our decisions.

No loan repayment – consequences

No loan repayment - consequences

Lack of loan repayment will always have consequences.

Failure to meet the debt settlement deadline may lead to:

Loss of financial credibility related to entry in the register of debtors. ERIF? KRD? BIG InfoMonitor? We will be able to find our data in each of these databases if we exceed the payment deadline by a set number of days. Impeccable debtors are also recorded in the Credit Information Bureau. By downloading the free BIK report, we will find out in what light financial institutions see us,

Debt collection proceedings, and if the actions of the debt collector do not bring results – bailiff proceedings. Bailiff’s powers are much greater. At the initiative of the creditor, in order to repay the debt, it may occupy further elements of our property,

Debt spiral – we often try to pay the installment with another loan or online loan. Before we look, our budget will be in complete ruin. You have to strive for financial support – then it will serve, not hurt. If we have nothing to pay off the first claim, it is better than to apply for the next one, to reduce expenses or find a better job.

10,000 PLN loan – list of banks with cheap offers


June 6, 2019 10,000 loan PLN is available both in non-bank institutions and in banks, which we will look at in detail in our article. Especially that cash loan is still the most frequently chosen banking product. According to BIK research, the value of bank loans increased last year. Their amount amounted to almost PLN 71 billion, by 7% more than in 2017. Where to apply for a loan of up to 10,000? We check the offers of 11 banks! 

10,000 loan PLN – we present 11 loan offers!

10,000 loan PLN - we present 11 loan offers!

10,000 loan PLN is a very attractive offer for anyone who needs an injection of cash for home appliances and electronics, home repairs or even buying a car. These are the most common reasons why we decide to apply for additional funds in the form of a cash loan or online loan. 10 thousand PLN allows to achieve these goals and pay the debt relatively quickly.

For a loan of 10,000 PLN worth applying for at a bank, the more that with such amounts, banking institutions reduce formalities to a minimum, and even allow you to apply for a loan completely online! Online loans without leaving your home are the best offer today for anyone who wants to get cash easily and quickly. Which banks offer loans up to 10,000 zł?

Current loan offers 10,000 PLN can also be found in the cash loan ranking. It is worth following it on a regular basis to have access to current bank proposals.

How much does a loan cost up to 10,000 zł?

How much does a loan cost up to 10,000 zł?

The cost of cash loans is an issue that should especially catch our attention when signing a contract with a financial institution. It is better not to be surprised by the amount of installments and to regulate payments in time, so that the registers of debtors do not record our name. In the table you will find detailed information on the installments for loans for 24 and 60 months. In the case of a loan of 10,000 PLN with a 24-month loan period, OutBank has prepared the best offer for us. In turn, for a loan of up to 10,000 with a repayment deadline of up to 60 months, it is best to apply at CiatoLoan.

The decision on the length of the loan period is yours alone. We can repay the loan sooner or on the contrary – with other expenses planned, we can extend the repayment time. If we use a cash loan calculator, we will carefully calculate the installments depending on the amount of the bank loan and the length of the loan period. Using this tool, we will know the loan repayment schedule. A detailed schedule will allow you to plan your home budget for the time when we will have an additional burden! The cash loan calculator is available on the website of most banks.

10,000 loan without certificates – what documents to prepare?

10,000 loan without certificates - what documents to prepare?

Persons who intend to apply for a cash loan of 10,000 must submit the required bank documents. It turns out that in the case of low amounts, banking institutions often decide to grant loans without certificates. All you need is an ID card to get a cash injection and achieve your goals!

Below is a complete list of documents that the bank may (but does not have to!) Require from us:

  • document confirming identity (obligatory),
  • income certificate (depending on the offer),
  • correctly completed application.

After applying for a loan, we will receive a credit decision as soon as possible. A positive response will result in the mobilization of funds and a transfer to our bank account. We can also collect cash at the branch, provided that the bank provides such a possibility to pay the loan.

10,000 loan impossible without BIK

10,000 loan impossible without BIK

All financial institutions are required to verify the creditworthiness of customers. Therefore, checking databases, including the BIK database, is one of their basic duties. Banks are very strict on this issue. They do not grant loans without BIK and they scrupulously verify each customer’s creditworthiness. Non-bank institutions are more tolerant. They offer loans without BIK. This means that even a negative credit history does not compromise our loan chances!

Non-bank institutions also offer loans without bases. It is worth taking a closer look and, if necessary, use offers tailored to the needs of different borrowers. You can also check the payday rankings and installment loans rankings and choose the offer that best meets our expectations.