How many times have you heard the term credit? – The internet is full of ads that offer loans without credit , loans without credit check… But what exactly does that mean ?! Creditworthiness implies the likelihood that a customer is able to settle their debts within the agreed time.
It depends on various factors, from the calculation of the unpaid portion of the salary to the personal assessment of the banker talking to the client. In addition, it determines the credit rating, ie the possibilities for obtaining a loan and the value assessment, to repay it together with interest within a pre-agreed period. If you have a problem with finances, another option that can also help you is an online loan.
Loans without credit – what affects your ability?
Banks regularly check the creditworthiness of the client and the potential borrower, so that loans without creditworthiness cannot be raised just like that. This takes into account the regular income of the client, the employer the client is employed with, the type of employment, or whether the client is employed for a fixed or indefinite period. Equally, care is taken to ensure that the client regularly settles his or her existing debts, whether he or she already has the status of guarantor or co-debtor, and how much the client maintains.
Each bank will, after a thorough review, and before granting a loan, look into the credit report of the CROC which contains information on credit obligations, the regularity of repayment of existing liabilities, security instruments, contingent liabilities on behalf of the guarantor or the co-debtor and the like.
Based on this, and in accordance with the internal acts prescribed by each bank, it is determined whether the client can get a loan or not, ie whether he is creditworthy.
Loans without credit – fast and easy
And while many of the clients cannot get a loan from banks because of just a few kunas of debt or because they are blacklisted, credit houses do not take this into account. Their way of working is much more liberal than the work of banks and credit is not checked for creditworthiness of clients. It is only important that the client has a regular income and regularly settles his debts.
When making a loan without credit, it is important that you attach a copy of your ID and checking account to the contract that is being downloaded from the websites of the credit institutions. These basic documents are required if the client is seeking a loan with no credit worth up to USD 3000. If the amount exceeds this, it is necessary to attach to it all the bank statement of the payroll for the last three salaries or for retirement.
Loans without credit and for retirees
Loans without credit can also be claimed if you are a retiree. The most important thing is that they duly settle their debts and receive their pension. Even pensioners who have earned foreign pensions can apply for this type of loan without credit.
Clicking a mouse to a loan without credit
Loans without credit are available through online services. The client can request them while traveling by tram, from the office or from the comfort of their own home. Simply log on to the credit home’s website and request a loan without credit in a few steps.
If you have difficulty signing in, staff will contact you to help you successfully file your claim.
Safety comes first
When choosing a credit institution, it should be remembered that not all credit institutions have a National Bank approval. This could potentially lead to problems because such credit houses operate without signing a contract and paying off their hands, leaving room for bypassing the law.
Therefore, before you arrange loans without credit, research what the credit company offers and whether it operates within the laws of the Republic of Croatia.