People who want to take out a cash loan often ask about the option of making a commitment without proper income statements. Is it possible at all? Of course. Although such clients usually face a refusal from the bank, they can still go to one of the loan companies that are happy to provide services to people who do not have an income certificate. What offers can customers counting on a loan without income certificates count on?
What conditions must be met to get a loan without income certificates?
More and more non-bank companies with smaller amounts require only information from the identity card from the client. The application can be submitted online, and the decision is made within a few minutes. However, sometimes companies check their clients in some ways. Factors influencing decisions may be history in BIK and possible entries in the register of debtors. It is worth remembering that even in the case of a negative decision, the company will usually offer loans without income certificates on slightly different terms.
How to replace the income certificate?
Instead of an income certificate, we can otherwise prove to a loan company that we are able to diligently pay back our commitment. In the application, we can attach a bank statement from recent months. In this way it is possible to show other sources of income – e.g. social benefits, alimony payments or scholarships. As a result, the company is certain that we are a reliable customer and is more willing to grant us a larger loan without income certificates .
How to get a favorable loan without certificates?
An important factor is of course choosing the company that will guarantee us the best conditions. The best offers can be found on the Internet using the help of a loan comparison engine without certificates . It is a very convenient tool that allows you to quickly get the necessary information about a dozen or so different non-bank companies. In this way, the customer will also know the exact amount to be repaid, as well as any additional requirements from the company.