Kuki.pl is a new brand on the Polish loan market, it has been operating since 2017. It provides quick loans via the Internet 7 days a week. The company's employees are also available on Saturday and Sunday, which allows you to offer payday loans at the weekend . In order to protect consumers against the consequences of excessive indebtedness, the company joined the Credit Check program. Kuki offers new customers a free loan of up to $ 5,000. The application procedures are not complicated, but we must take into account that the lender will check our credit history in such institutions as: BIK, BIG, KRD, ERIF, Infomonitor . If we have any outstanding obligations, the application may be rejected. Regardless of which loan we apply for, each one can be taken for a period of 30 to 30 days. The minimum loan amount is $ 500. Each payday loan can be refinanced for 7, 14 or 30 days. This involves additional fees, but they are within the limits imposed by the Anti-usury Act . The first loan repayment date can be extended twice. Although Kuki.pl has a short history, it has already gained a large group of customers and opens the ranking of payday loans online with a high position. Its undoubted advantage is the fact that the procedures take place only online.
Go to the conclusion
The first loan at Kuki is $ 5,000 for free - THE PROMOTION IS OUT OF STATE
Following the example of other non-banking institutions,
Kuki offers new customers
payday loans for free . Considering that this is an offer prepared for people who have not used the company's services so far, the loan amount is significant. We can borrow up to $ 5,000 for 30 days. All
payday loans in Kuki have the same loan period: from 30 to 30 days.
A free first loan means we won't pay fees and commissions.
The interest rate on payday loans (APRC) is 0%, and the total
cost of the loan is $ 0 . We pay back exactly as we borrowed, subject to timely repayment. You can pay off a quick loan ahead of schedule. However, if we have problems with repayment, we can use the extension. In the case of the first loan, this is possible twice. However, you must be aware that in this case the loan is no longer
free . Although
the refinancing fees are within the limits set by applicable law, the payday loan loses its greatest advantage:
no costs . For this reason, loans should always be taken with the intention of timely repayment, and the possibility of refinancing only as a solution in a crisis situation.
Paying off the first payday loan within the prescribed period pays off with an increase in the customer's credibility in the eyes of the lender and an increase in financial limits for subsequent loans, which, of course, are already fully paid.
Conditions necessary to receive a loan on Kuki.pl
Kuki has similar requirements to many other loan institutions. They only differ in minor details. To receive a loan at Kuki, you must meet the necessary conditions:
- be between 20 and 75 years old;
- live in the territory of the Republic of Poland;
- have a valid ID card, PESEL number and full legal capacity;
- have an active mobile phone;
- have an account in a bank operating in Poland with an active electronic banking system;
- have internet access.
The application procedure begins with selecting the loan amount and loan period on the lender's website. This is facilitated by comfortable zippers. Then
an online form will be displayed, in which you must enter basic personal data. We also provide a phone number. We will receive a verification code to this number, which should be entered in a specific box on the form. We also set our individual password, which we will log in each time on the lender's website. In the payday application, we also choose the source of our income from among the options indicated. We do not have to indicate specifically, it is enough to specify the type of income.
Kuki will also ask for a one-cent registration transfer made from our account to the lender's account. This serves to analyze whether we use an account opened in our name. So far,
Kuki has not introduced the possibility of verifying the client's bank account using the application
without transferring a penny . On the other hand, the company checks applicants in available credit reference offices, such as
BIK, BIG or
KRD . We soon receive the decision in SMS and e-mail. Applying for another loan makes it much easier, because the verification process is no longer necessary. Then, having a bank account in the same bank as the lender, we can receive cash within a few minutes.
Make an application
Extension of payday repayment in Kuki
At
Kuki.pl, it is possible to
refinance payday loans , both the first and the next. In the case of the first refinancing, you can do it twice and it is not that severe, because we do not pay fees for granting a
payday . However, when it comes to later loans, you can refinance them only once, but remember that they are full-paid loans, so the
cost of refinancing increases the total cost of the loan. Of course, the
Anti-usury Act limited lenders from the ability to freely raise costs, so it is impossible to exceed the statutory ceilings (non-interest costs may not exceed 25% of the value of the payday loan and additionally 30% of its value per year). Nevertheless, it is definitely better to pay off the payday loan on time. The loan repayment
can be extended by 7, 14 or 30 days. For example, with the maximum amount of $ 8,000, you have to pay for extending the deadline: 7 days - $ 776, 14 days - $ 840, 30 days - $ 976.
Expert opinion
Kuki.pl is a young brand that quickly gains new customers. The company's biggest advantages are: the service office is open every day, free loan up to $ 5,000 (promotion is no longer valid), the possibility of extending the loan repayment period, quick decision and withdrawal of funds, the possibility of paying back the payday loan before the deadline without consequences. The company has a reputation for being consumer-friendly due to joining the Credit Check system.
Accurate details of the lender
Ducatos Sp. z o. o ul. Postępu 18B
02-676 Warsaw
Data of the owner of the Kuki.pl website
Fincapital Sp. z o. o ul. Postępu 18B
02-676 Warsaw
www.kuki.pl Kuki customer service opening hours
Monday - Friday: 08:00 - 22:00
Saturday: 09:00 - 17:00
Sunday: 09:00 - 17:00
Take a loan
kuki.pl »
Representative example for the first loan: The one-time registration fee is $ 0.01. $ 1,300 loan for 30 days; The Actual Annual Interest Rate (APR) is 513.89%; total loan amount: $ 1,300; variable interest per annum: 7.2%; total cost of the loan: $ 209.10, including: Commission $ 201.41, Interest $ 7.69; duration of the contract: 30 days; total amount to be repaid: $ 1,509.10.
Magdalena Mazur Twitter She graduated from the University of Economics. She specializes in credits, loans and payday loans that can be applied for online. He knows the rules of online offers and is happy to write about them so that anyone interested in taking payday loans online knows what to look for.
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