Credit cards have become an integral part of our lives, and without that piece of plastic we can hardly imagine life. They allow for payment deferrals and can also be used for online purchases or telephone purchases. Credit cards make it easy for anyone to spend unplanned, so it’s not easy for some to control.
Money doesn’t specifically go out of your wallet, so it’s easy to predict the costs that accrued in your bank account. There is simply no awareness that money is being spent because it is not physically disappearing and spending is increasing, but there are also debts that need to be settled sooner or later.
Loans without a credit card are a better option than credit cards
The card also allows you to use a classic cash loan, but at a higher interest rate than with other types of loans, loans and loans. This is also one of the biggest disadvantages of this type of lending. A more favorable option is loans without a credit card, which are characterized by a more affordable interest rate, which means an easier repayment plan for the loan as well as getting it. These are no-go and blacklisted loans, they require no extra paperwork and are usually approved within a day.
Loans without a credit card offer credit card companies that offer customers easier access to money. Loans without a credit card can be applied for by employees, retirees and women on maternity leave. They are intended for everyone and can be submitted by retirees who are at most 80 years old. These are non-purpose cash loans, so the client can use them at their discretion for any purpose.
There is no credit check for loans without a credit card
Credit companies do not require notarization or employer certification for this type of lending. It is not even necessary to submit a HROK report. This can help people who do not have an indefinite contract or are blacklisted because of their small debt.
It is not a matter of checking the creditworthiness or the possibility for the client to get a loan and to repay it with interest within the period specified in the loan agreement. However, be careful about the orderliness of the client’s payment. It is enough that the current account to which the loan is paid is not blocked or protected. In addition, the client should have a regular income and regularly settle his debts.
Online through to credit without credit cards
The biggest advantage of credit without a credit card is that it can be applied online. Just fill out an online application and contract and present your ID and current account card.
The approved loan amount will be paid directly to the loan beneficiary’s transaction account within 24 hours of submission of the application, provided the documentation is complete.
Loans without a credit card make it easy to cover your expenses
Loans without a credit card are non-purpose loans that allow the use of financial resources according to the needs and wishes of the loan beneficiary. Such loans have no specific purpose and are usually approved for shorter maturity. They are usually paid from a few thousand kunas to several hundred kunas, and the repayment period varies from several months to several years. Depending on whether the repayment plan is shorter, then the interest rate is also lower. The longer the repayment plan, the higher the interest rate, which must be kept in mind when applying.
Although different types of collateral are not required for this type of loan, individual credit institutions may require them. Typical security instruments are an insurance policy, a promissory note and / or a co-debt. The client can place a security policy as a guarantee, thereby facilitating the payment of loans without credit cards.