Life likes to surprise every day. Today we are happy and we have enough money, and tomorrow a car breakdown and unexpected repair may await us. These types of situations can be multiplied and they are not surprising to anyone. After all, it is known that an idyll cannot last forever. Unfortunately, this type of adventure is associated with numerous inconveniences, such as the need to spend money, which we do not always have at hand. What then remains for us? Of course, a loan for an ID card .
There are several options for who to borrow small or larger sums from
The first thing that comes to our minds are banks . Unfortunately, their offer is limited to people who have sufficient creditworthiness, and in addition do not have bad quotations in BIK. And what does the rest of the people who are on the blacklist of banks for some reason do? Besides, not only they can look for alternatives to bank loans. A very large number of people are discouraged by the large number of formalities that must be completed in order to receive such a loan.
The need to provide various types of certification is certainly a problem that may discourage you from using bank loans . Is there any alternative to this type of lender? Do people who want to borrow money quickly and conveniently have anyone to contact? We calm you down. Yes of course. What’s more, the selection is really large and everyone can find an offer ideally suited to their needs and expectations. One of these is an ID card loan.
When to borrow quickly for an identity document?
If you’ve ever applied for a bank loan, you know how many formalities this involves. The need to complete a paper loan application, provide a certificate of employment, income statement and often a printout of a personal account for the last few months. In addition, you should undergo a time-consuming assessment of your creditworthiness to get to know the bank’s credit decision after a few days at best.
Not always positive, because if anything disliked a bank analyst, he may refuse to pay the loan, judging the application as negative. What a pleasant surprise then are the companies that grant loans for an ID card. How do they work Under what conditions can such a loan be granted and what conditions will we have to meet to receive it? You will find answers to these and many other questions on this page.
How to get a loan for an ID card?
Requirements for an ID card loan are not complicated or demanding. Let’s start with the basics, i.e. finding an offer that suits you. There are many websites on the internet that compare private cash loans . You will find rankings and descriptions of individual companies on them. You will learn the most important information quickly. How much the loan can be granted and for how long. If several offers have the same parameters and you do not know which one to choose, bet on a loan for free. Companies usually want to attract customers by offering them their first cash loan at no cost. It is worth using this option, especially if you want to borrow money on a trial basis to see and evaluate how this mechanism works.
Assuming that you already have an offer for a loan as proof, you should go to the website of such a company. You will find a special form on it that must be completed to apply for money. Will you need any complicated documents from your employer for this? Definitely not. As the name implies, the ID card loan is based on the information on the ID. You may even know this data by heart, so you won’t need to look into the document. Let’s check it.
Can you provide your PESEL number?
Do you know by heart the ID card series and number and its expiry date? If so, you will complete the loan application in less than 60 seconds. You must provide your name, address and the above-mentioned details from your ID card. When all the fields in the form are completed, of course along with the loan amount you declare, you can press the send button. The data is sent electronically to the loan company, and you can – but you don’t have to – receive information with information to perform the verification transfer.
Why transfer when you want to borrow money
At this point, a frequent question arises from people who are only reaching for ID cards for the first time. Why send money to a lending company ? Relax, it’s not about you having to pay any commissions or fees for processing your application. This is the so-called verification transfer, which is used to check the compliance of the data declared in the application with those to which the bank account was registered. This is to prevent people from borrowing people who, for example, have their ID cards stolen. Here, however, a very important matter arises.
To get a loan for an ID card, you must have a bank account. It is most convenient to have an account with internet service, thanks to which you can make a transfer yourself, at any time of the day or night. However, if you have a traditional bank account, which can only be operated in your bank’s window, you will also be able to make this transfer. However, this will require more time, as you must complete the transfer form, go to the bank or post office, and then make a payment and settle the transfer fee.
Given that a verification transfer can cost a maximum of PLN 1, you’ll pay more for bank or postage fees. In order to avoid such situations in the future and be able to count on quick money borrowing, it is worth starting to service your bank account online. Once you have completed your verification transfer, you will have to wait from several minutes to even one day until it reaches the recipient and will be checked by employees.
This time depends on whether you and the loan company have the same banks. If so, the money transfer is carried out immediately, so that the ID card loan can be granted in up to a quarter of an hour. In other cases you will have to wait longer – up to two days for weekends and holidays.
How do I get the money from the loan?
Everything went according to plan and you received information that a loan for proof was granted to you. There is nothing else to do but wait for cash. Exactly. What do you expect Will the money be delivered to you by the postman? Definitely not. The ID card loan is transferred to your bank account. Exactly the same one from which you made the transfer confirming your identity. You can be notified by SMS if you have active notification options or PUSH information from your banking application, which you may have installed on your phone.
At this point, you have nothing to do but think about spending money. What will you use them for? It is entirely up to you. The purpose of the ID card loan can be any. Do you want to finance a crazy vacation you haven’t been to for a long time? No problem. A loan of 2,000 for proof should be enough to cover the cost of the trip for one or two people. And considering that the loans can be much larger, this way you can ensure a joyful holiday for all your family! There are of course many more opportunities to spend money. But did you come to the conclusion that you can earn money on ID cards?
How to borrow to make money from it?
This is really surprising, but you can earn money by borrowing money from someone. You will need the first free ID card loan. You will get it in the companies where you will apply for the first time. One of the marketing activities carried out by loan companies, aimed at acquiring new customers, will be offering the first loan for free. Free, i.e. without interest costs. For example, you borrow PLN 4,000 for the first time and you pay exactly the same amount after a month. No more or less. Of course, only the first loan can be granted so favorably, and all this in order for a company to gain a customer like you. So what can you do with the money you borrow?
The easiest way is to deposit them on a short-term deposit or a low-interest savings account . Think – you take out 2 or 3 loans on ID card every month. Let each of them be worth PLN 2,000. It gives you a total capital of PLN 6,000, which you can deposit into your account or deposit. Assuming that it has an interest rate of 2 percent per annum, it gives you a profit of around PLN 10 per month. Of course, for many people this game will not be worth the candle, but if you already have your own savings that you invest in this way, each additional thousand on your account can play an even greater role for your profits.
Pay off the loan on time
It should only be remembered that when the loan repayment time is up, you must fulfill this obligation in a timely manner. In this way you will avoid charging penalty interest, and for a loan company you will be a trustworthy customer. Do you have any ideas on how to invest borrowed money? What do you do with them
Do you spend on current needs or do you spend on larger investments, such as renovation or buying a car? Regardless of everything, it is worth remembering that the ID card loan is one of the fastest granted and anyone can get it in several minutes. In this article, we described in detail how to apply for it step by step and how interesting you can use the money you borrow so that you can continue to be in the black after paying off the loan.