Today, non-bank loans are already huge on the Czech market, and hundreds of different companies or individuals are targeting them. Everyone is competing to provide a better and more attractive offer, giving clients the opportunity to get credit on better terms than they were a few years ago.
Loans without proof of income are among the most sought after credit products. These are not only interesting for the unemployed, but also for those who, for example, work without a contract or their boss does not want to issue a confirmation. The advantage of these loans is speed – handling, dispatch and follow-up can take a lot of time, for loans without proof of receipt everything can be handled in just a few minutes.
There are plenty of options, everything can be handled online
While the bank’s conditions are quite strict and you will not get a loan without a receipt (perhaps except when you regularly pay for your account), the situation in the non-banking sector is the opposite. There are many companies that give you a loan without proof of income, moreover, it usually does not have to go to a branch – this type of credit can normally be arranged over the internet from the comfort of your home.
The ideal solution is to use a web-based loan comparison tool
You can choose the best loan in different ways – somebody gives recommendations to others, others follow advertising, some people are in a hurry and react to the first loan offer they see in newspapers or in an online discussion. But really reliable, secure, and proven ways to choose the best loans without proof of income are, above all, internet-based loan comparison. On them both you can find the required loans nicely leveled and, moreover, categorized into individual categories – you can directly filter out the type of loan you requested. In addition, these sites have one great added value – all of the loans listed on them are carefully tested to completely avoid the risk of you being caught by fraudsters.
Selected loans can also be obtained without fees
Some non-bank loans without proof of income also have one very attractive feature – you don’t have to pay any interest or fees on them, so the loan won’t cost you anything – you return only what you borrowed. More and more of these credit offers have started to appear in the last year, one of the best known is the Truloan loan, which you could also notice in a TV commercial where a well-known TV moderator Láďa Hruška. In addition to the Truloan.cz loan, you can also borrow money free of charge at Via SMS or Ferratum.
For short-term loans, keep an eye on the due date
Obviously, the need to repay the obligations on time and to meet deadlines applies to all types of loans, whether they are bank or non-bank, to a few thousand or even half a million. However, in the case of fast and short-term loans, any delay may be particularly costly. For free loans, you can lose the zero interest benefit by late repayment, and in the other, the late payment can mean a much higher fee or even a delay penalty. So be sure to check beforehand whether an important day is when you send your payment, or the day the payment is credited to your bank account, as well as look at payment methods, transfer rates, and so on.
Loans without proof of income can help you quickly and effectively in an unpleasant situation, but if you do not pay them in time, or ask them for fraudsters, they can complicate your life. However, if you choose such a loan with an independent loan comparison portal and then repay the loan in due time, there is no problem.