1. islandcrisis.net.pl
  2. Offers
  3. Payday loans without BIK

Payday loans without BIK


The wide offer of non-bank loan companies makes financial products available to a larger number of recipients. Especially popular are chwilówki no BIK, that is, those in which the account is not taken in the borrower's credit history Biku. Thanks to this, people who previously had problems with paying off their loan obligations have access to loans. It must be remembered here that there are also other debtors' registers, to which you can be entered, for example, for failure to pay loan or loan installments, but also for failure to pay rent, alimony or telephone subscription. It is enough not to pay two installments or a delay in repayment of more than 60 days to enter such a register, and it is usually very difficult to obtain consent to cancel an entry, which causes difficulties, for example, in the purchase of installments or the purchase of a subscription from a mobile operator. Loans without BIK are also a great convenience for young people who are just starting their professional life, who often have no credit history and some non-bank companies refuse to grant them a loan.

Ranking of payday loans without BIK


1
The first one is free
1000 $ 30 days
without BIK
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
Take a loan »

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
Take a loan »

details "
Fast Cash 3.9966744504388 ( 12419 evaluations)

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

3
without BIK
18 - 80 years old
Loan amount

100 - 5,000 $

First up to $ 5,000
Time to pay off

3 - 4 months

First up to 4 months
APRC

501%

Example
Take a loan »

solcredit.pl »
Solcredit.pl 4.4 ( 13916 evaluations)

93% recommend 7% do not recommend it ( 1084 votes)

4
The first one is free
1000 $ 30 days
without BIK
Loan amount

100 - 8,000 $

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

30 days

The first one up to 30 days
APRC

from 0%

Example
Take a loan »

wandoo.pl »
Wandoo 4.1 ( 9543 evaluations)

85% recommend 15% do not recommend it ( 1196 votes)

5
The first one is free
3000 $ 61 days
without BIK
Loan amount

100 - 7,500 $

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

30 days

The first one up to 30 days
APRC

from 0%

Example
Take a loan »

details "
Nimgis 4.4 ( 21023 evaluations)

89% recommend 11% do not recommend it ( 1125 votes)

6
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
Take a loan »

finzmo.pl »
Finzmo 4.2 ( 396 rat.)

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

7
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
Take a loan »

hapipozyczki.pl »
Hapi loans 3.7 ( 8099 evaluations)

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

8
The first one is free
$ 500 30 days
without BIK
Loan amount

300 - 5,000 $

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

30 days

The first one up to 30 days
APRC

from 0%

Example
Take a loan »

netcredit.pl »
Net Credit 4.1 ( 10676 evaluations)

65% recommend 35% do not recommend it ( 781 votes)

9
without BIK
20 - 75 years
during the weekend
Loan amount

500 - 15,000 $

First up to $ 5,000
Time to pay off

30 days

The first one up to 30 days
APRC

513%

Example
Take a loan »

details "
Loan Vu 4.3 ( 20048 evaluations)

83% recommend 17% do not recommend it ( 1480 votes)

10
The first one is free
600 $ 30 days
without BIK
Loan amount

600 - 8,000 $

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

30 days

The first one up to 30 days
APRC

from 0%

Example
Take a loan »

details "
Smart Loan 4.1 ( 16743 evaluations)

83% recommend 17% do not recommend it ( 900 votes)

11
without BIK
20 - 75 years
during the weekend
Loan amount

500 - 10,000 $

First up to $ 5,000
Time to pay off

30 days

The first one up to 30 days
APRC

513%

Example
Take a loan »

details "
Kuki.pl 4.2 ( 17472 evaluations)

75% recommend it 25% do not recommend it ( 856 votes)

12
The first one is free
600 $ 30 days
without BIK
Loan amount

500 - 10,000 $

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

1 month - 35 days

The first one up to 30 days
APRC

from 0%

Example
Take a loan »

pozyczkaplus.pl »
LoanPlus 4.1 ( 6767 evaluations)

55% recommend it 45% do not recommend it ( 800 votes)

13
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
Take a loan »

saverium.pl »
Saverium 4.3 ( 196 rat.)

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

14
without BIK
20 - 65 years
Loan amount

100 - 4,000 $

The first one up to $ 1,500
Time to pay off

30 days

The first one up to 30 days
APRC

514%

Example
Take a loan »

viasms.pl »
VIASMS 3.6 ( 7293 evaluations)

61% recommend 39% do not recommend it ( 1024 votes)

15
The first one is free
3000 $ 30 days
without BIK
Loan amount

50 - 3,000 $

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

1 - 30 days

The first one up to 30 days
APRC

from 0%

Example
Take a loan »

credy.pl »
Credy 3.9 ( 5692 evaluations)

77% recommend 23% do not recommend it ( 1076 votes)

16
First for 0%
3000 $ 30 days
without BIK
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
Take a loan »

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

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

17
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
Take a loan »

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

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

18
without BIK
22 - 75 years old
during the weekend
Loan amount

300 - 5,000 $

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

30 days

The first one up to 30 days
APRC

508%

Example
Take a loan »

miloan.pl »
Miloan 4.1 ( 10710 evaluations)

69% recommend 31% do not recommend it ( 1031 votes)

19
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
Take a loan »

provident.pl »
Provident 3.8 ( 7770 evaluations)

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


What data are in BIK


BIK is a Credit Information Bureau that was established in 1997. The initiator of the BIK creation was the Polish Bank Association. The purpose of establishing the Office was to collect, store and share data on current liabilities and credit history of bank customers, but also credit unions and companies granting non-bank loans. It was supposed to increase security related to cash transactions and reduce the risk of over-indebtedness among clients of various financial entities. Thanks to the verification of the data collected in the BIK database, loan granting is more efficient, which means faster verification of the application, especially if it is done online.

Among the stored data, you can find information about the client's financial obligations, both those that were paid on time and overdue payments. These are, for example, the repayment of loans for the installment purchase of goods and services as well as securities, student loans, mortgage loans, revolving loans and non-purpose loans. Financial entities also provide the BIK database with information related to credit and debit cards, as well as the use of the debit limit on the settlement account or credit guarantees.

For many people, an important issue is how long the data remain in BIK . It turns out that a lot depends on whether the repayment is made on time or not. It is also important whether, when signing the contract or setting up a bank account, the customer consented to the processing of his data also after the payment of the liability. In the event that the repayment is made on time, the customer's data is in BIK only for the time of repayment of the liability (unless he has indicated consent to data processing). In the event of untimely repayment, customer data may be stored in BIK and transferred without his consent for 5 years.

Details on www.bik.pl

How does the grant of payday loans work without BIK?


An entry in the Credit Information Bureau is problematic only if the client has had problems with repayment of financial obligations in the last 5 years. It should be borne in mind that the data is stored for such a long time if there is a delay of more than 60 days in repayment of the loan and 30 consecutive days have passed from the moment the lender informed the client about the intention to process data without his consent.

For people who have a negative entry in BIK , the only solution that allows you to borrow money from companies operating in the financial sector is to use the so-called payday loan without BIK . It is a short-term loan granted by non-bank companies, under which the lender does not take into account the information provided in the Credit Information Bureau. That is why this type of loan is most often used by people who have had problems with repayment , but also those who have loans or payday loans in several other financial entities - both in banks and non-bank companies. Payday loan without BIK is, among others in Lendon and Smart Loan .

The quick loan without BIK is also eagerly used by very young people, usually under the age of 21, who have virtually no credit history. Special payday loans for 18 years are directed to them. Due to their young age, such people often only take their first steps at work - and contracts for a trial period or commission or work often prevent them from using loans, credits and installment purchases. So they choose offers where you can get payday loans without certificates .

Before using payday loans without BIK, it is worth considering whether the repayment of the liability will be possible. Most often, payday loans without bikes are chosen by people who have already made liabilities in other companies. The next loan is usually intended to repay the previous ones. However, due to the short repayment time and high interest rate and service costs, this can cause even greater financial problems. It is also worth remembering that with a very bad credit history, the lender has the right to refuse the loan.

Are BIG, KRD, ERIF databases checked?


In addition to the Credit Information Bureau, there are also other registers in which credit history and data on debts in banks and non-bank companies are collected. The most popular are:
  • BIG - Credit Information Bureau;
  • KRD - National Debt Register;
  • ERIF - ERIF Biuro Informacji Gospodarczej SA

If customer data is in BIK , there is a high probability that they will also be included in other registers with a similar profile. Companies granting non-bank loans, like banks, check the data of their clients in such registers. This is primarily to verify the accuracy of the data provided by them in the loan application. If the offer includes information that a payday loan is granted without BIK , it may mean that the loan company checks the data in this register, but does not take into account the customer's negative credit history when considering the application, unless it is very bad. The designation " without BIK " may also mean that the data is not checked in this register, but may be checked in another database, eg KRD or ERIF . Some loan companies verify the data of their clients in all databases in which data on the credit history of borrowers are collected. Others may only check information against one database. There are also companies that do not check their potential clients in the databases, and it is with these lenders that people with high debt have the best chance of getting a cash loan. It should also be remembered that the next loan with high debt will increase the risk of not only the so-called debt loop , but also legal and financial consequences in the absence of repayment. It should be mentioned here, for example, about referring the case to debt collection - both the one conducted by the bailiff and private companies may cause additional costs to accrue and, as a last resort, seizure of movable property and real estate for debt repayment.
Share on:
Rating: 3.9 out of 5 Ratings: 559
Comment

Check the others

Payday loans for free

When deciding to take out a loan, we first of all bear in mind its total cost. If we are not customers of a given company yet ..

Payday loans for 18 years

The customer's age is one of the basic criteria when granting payday loans and loans. Contrary to popular belief that support ..

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 ..




Comments on payday loans without BIK

Everything is for people but you have to think! That is, always pay off the payday loans you take.
Rob May 17, 2019 3:22 PM
It is known that you have to be very careful with payday loans. It's very easy to fall into a debt loop and there may not be any meaningful way out. Therefore, everything must be approached wisely.
Marta 04-04-2019 15:15
I will tell you that with such a payday loan you can get into it ...
ania 02/19/2019 16:39
Generally, there is no problem with taking a payday loan, even if there is a problem with BIK. I have already tried several different loan companies and there was no problem with them. I'm very happy.
Grzesiek 09-02-2019 16:29
and it's good that without bikes because there is no unnecessary confusion. and in the bank taking a loan, you have to fill a lot of these papers and a lot of work with it. that's why I prefer payday loans and have taken it more than once.
lena87 17-01-2019 17:43
i recommend lendon, i have good experiences
Małgorzata 12/11/2018 16:15
I have tried in 5 companies, everyone rejected them until I found a lendon, I can recommend them
Ire2 December 25, 2017 21:53
I recommend Lendona, they gave a loan despite the debts in BIKU
Janek 09-12-2017 22:09
Show offers
en