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Payday loans in installments


Payday loans in their original form were a small amount of money made available by loan companies for a short period, usually 30 days. Later, however, they evolved and an additional installment loan product was created, which until then had been the domain of banks. Payday loans in installments give customers the opportunity to receive more cash, which they will be able to return in parts that do not burden their budget significantly. Currently, non-bank institutions offer up to several dozen thousand zlotys. We can spread the repayments into up to 48 monthly installments. The lowest amounts that can be borrowed in this system start from $ 50-100, e.g. at Wonga.pl . Usually, however, consumers, in accordance with the idea of ​​an installment loan, apply for higher amounts of at least $ 1,000, borrowed for a period of: 12 months. The variety of offers means that everyone will find a payday loan on optimal terms. Check the list of offers below and choose the best payday loan for you.

C hwilówki with repayment in installments


1
The first one is free
1000 $ 30 days
in installments
Loan amount

200 - 20,000 $

The first one up to $ 20,000
Time to pay off

1 - 48 months

First up to 48 months
APRC

from 0%

Example
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details "
Wong 4,3214949535325 ( 20014 evaluations)

76% recommend 24% do not recommend it ( 902 votes)

2
without BIK
18 - 65 years old
in installments
during the weekend
Loan amount

400 - 15,000 $

First up to $ 5,000
Time to pay off

7 days - 2 months

The first one up to 30 days
APRC

133%

Example
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details "
Fast Cash 3.9966744504388 ( 12419 evaluations)

62% recommend 38% do not recommend it ( 946 votes)

3
25 - 70 years
in installments
during the weekend
Loan amount

3,000 - 60,000 $

The first one up to $ 60,000
Time to pay off

6 - 60 months

First up to 60 months
APRC

15%

Example
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smartney.pl »
Smartney 4.1 ( 9739 evaluations)

56% recommend 44% do not recommend it ( 762 votes)

4
without BIK
from 18 years
in installments
Loan amount

2,000 - 60,000 $

The first one up to $ 60,000
Time to pay off

3 - 48 months

First up to 48 months
APRC

78%

Example
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finzmo.pl »
Finzmo 4.2 ( 396 rat.)

100% recommend 0% does not recommend ( 1 votes)

5
without BIK
from 18 years
in installments
Loan amount

2,000 - 15,000 $

The first one up to $ 15,000
Time to pay off

6 - 24 months

First up to 24 months
APRC

10%

Example
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hapipozyczki.pl »
Hapi loans 3.7 ( 8099 evaluations)

73% recommend 27% do not recommend it ( 985 votes)

6
without BIK
from 18 years
in installments
Loan amount

$ 100 - 200,000

The first one up to $ 200,000
Time to pay off

1 - 120 months

First up to 120 months
APRC

12%

Example
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saverium.pl »
Saverium 4.3 ( 196 rat.)

100% recommend 0% does not recommend ( 1 votes)

7
21 - 70 years
in installments
during the weekend
Loan amount

1,000 - 5,000 $

First up to $ 5,000
Time to pay off

3 months

First up to 3 months
APRC

169%

Example
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details "
MoneyLuck Savings 3.9 ( 12,235 evaluations)

50% recommends 50% do not recommend it ( 530 votes)

8
First for 0%
3000 $ 30 days
in installments
Loan amount

500 - 6,000 $

The first one up to $ 3,000
Time to pay off

1 - 60 months

The first one up to 30 days
APRC

from 0%

Example
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axi-card.pl »
AXI 4.1 ( 6403 evaluations)

75% recommend it 25% do not recommend it ( 4 votes)

9
without BIK
20 - 70 years
in installments
Loan amount

1,000 - 10,000 $

The first up to $ 10,000
Time to pay off

4 months

First up to 4 months
APRC

141%

Example
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for4.com.pl »
for Four 3.8 ( 1655 evaluations)

25% recommend 75% do not recommend it ( 4 votes)

10
without BIK
from 18 years
in installments
during the weekend
Loan amount

300 - 20,000 $

The first one up to $ 20,000
Time to pay off

3 - 48 months

First up to 48 months
APRC

10%

Example
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provident.pl »
Provident 3.8 ( 7770 evaluations)

61% recommend 39% do not recommend it ( 701 votes)

11
20 - 80 years
in installments
Loan amount

2,000 - 15,000 $

The first one up to $ 15,000
Time to pay off

36 months

First up to 36 months
APRC

62%

Example
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aasapolska.pl »
Aasa 3.3 ( 5844 evaluations)

54% recommend 46% do not recommend it ( 579 votes)


Payday loans online


Paying back more money in 30 days may be beyond the average lender's ability. That is why non-bank loan companies have introduced payday loans into installments . This is a chance for a solid financial injection without making risky commitments. Loan institutions offer a convenient system that allows you to take advantage of the financial support you are interested in, which we can return for up to 4 consecutive years in monthly installments . We can get money without leaving home and without much effort. You must be of legal age to apply for a loan (some companies prefer applicants over 21). In addition, 2 more conditions must be met: have a bank account registered in your name and a telephone number under which we are available. The procedures are simple and uncomplicated. We submit the application via the Internet . It only contains basic data. We also choose the amount and period of the loan. Non-bank institutions usually provide payday loans without certificates , they are satisfied with the data from the ID card. Basically, they also do not check their clients with credit information institutions, although this may occasionally happen, as each case is considered individually. After submitting the application for data verification, a symbolic registration fee should be transferred from our account to the lender's account, which is a fairly common practice of loan companies. In exceptional circumstances, the company may ask us to send you a document confirming earning income. Considering the fact that installment payday loans sometimes involve large sums of money, this seems to be a justified action. The decision is made quickly and is communicated via SMS. We receive the money directly to the bank account. We also pay off individual installments by making online transfers. We can set the so-called standing order and we don't have to remember about it every month.

Fast non-bank installment loans


Quick installment loans are an alternative to bank loans that are usually not easy to get. A visit to a bank branch is associated with a tedious process that will not necessarily be successful. A loan application at a bank usually takes a much longer form than applications submitted online in non-bank companies. It's best to go to the bank with your ID card and a briefcase full of other documents. Banks have different criteria, but usually require: an employment contract (or other document confirming employment or entitlement to receive benefits), bank statements for the last months, if it is an account in a different bank, payroll slips or RMUA printout, bill list, forms PIT-11 or PIT-40, etc. For loan companies, a document confirming the applicant's identity is usually sufficient to grant payday loans. However, no other documents and certificates are needed. Companies in the payday ranking usually give faith in customer declarations regarding their source of income. While banks rely on information obtained from BIK, BIG and similar institutions, non-bank lenders tend to give up this in favor of minimizing the verification process. A team of analysts, who are to accurately assess our creditworthiness, analyze the loan application submitted to the bank. In practice, this means that we will not receive a loan in installments if, in the opinion of the financiers, we do not have a sufficiently high creditworthiness. Banks do not grant financial support, not only to people who have a bad credit history, but also to people who are at the beginning of their economic path and cannot boast any credit history. They are also not credible to banking experts. Meanwhile, the creditworthiness criterion in loan companies is not so important. This raises the interest rate on payday loans, but the procedure is simpler and faster than in banks, more applicants receive a positive decision. This is a solution for all those who were sent back from the bank with the proverbial receipt.

An installment loan, and the distribution of payday loans in installments


Taking a loan in the installment system is not the same as spreading the loan originally taken in installments as repayable one-off. The latter situation is called refinancing . It involves additional fees, so be aware of the difference. Refinancing traditionally consisted in demanding specific sums from the borrower (even up to several hundred zlotys at a time) in the event of late repayment. After the amendment of the Anti-usury Act , radical changes took place. First of all, the current law says that the additional, non-interest costs of taking out payday loans in installments may amount to a maximum of 25% of the loan value and another 30% per year. This means that if we initially pay 25% of the loan amount in commission, the company will not be able to freely impose further fees on us. It is similar if we are late with the repayment, because the fees for arrears can be up to 15% (6 times the NBP lombard rate). Therefore, loan institutions have introduced a new method of refinancing payday loans . Currently, more and more often, in the event of a delay in settling the obligation, the following procedures are implemented: the lender offers us to use the help of another company that will transfer the overdue amount to the original lender's account, becoming our new lender at the same time. So the first liability is paid, but we have another one to pay. In addition, we pay the new lender a commission for such an operation. Of course, from a legal point of view, the entire operation is perfectly legal. However, you need to be aware of these few facts so as not to confuse the concepts. An installment loan is a financial support that we return in predetermined parts. In turn, refinancing for an additional fee consists in spreading the repayment of a loan that we are not able to fully pay off within the prescribed period. In the case of refinancing, the lender may change. The refinancing therefore has far-reaching consequences.
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Comments on payday loans in installments

It is very convenient that you can pay off such a payday loan in installments. It's easier than the full amount at once
Renia 07/18/2019 16:03
I was taking payday loans in installments and I was happy with the money
irek 02/28/2019 18:10
I took a loan in installments when I had to do a renovation and the bank did not want to give me a loan because my income was insufficiently documented. Let me tell you that there is really nothing to fear. I am glad that I got such a payday loan in installments.
Olek January 22, 2019 3:23 PM
Well, it's easier to pay off in installments. And not everyone can count on a bank loan. So let's seriously consider such a loan. In my opinion, this is convenient.
Oxana 01/20/2019 17:35
In Wonga, you can also take out a loan in installments. I took it and I am satisfied. At the beginning I had some concerns, but as it turned out - completely unfounded. I returned the loan in three equal installments, within the time limits set by them.
Natalia 01/14/2019 17:06
It is not always possible to pay in one installment, so it's a good option.
Adam December 22, 2018 4:06 PM
I chose thirteen, a very convenient solution with the card, so far it's OK
Darek 19-12-2017 19:59
if in installments, then only in MoneyLuck Savings, probably the cheapest offer I have found
Waldi 03-10-2017 20:03
Did any of you take a loan at RAPIDA? you do not know if they also admit without a giraffe?
ASIA 09/11/2017 20:07
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