Bailiff seizure is not an obstacle to obtaining a non-bank loan. Payday loans with bailiffs
, i.e. special loans intended for people with seizures by bailiffs
, are successfully operating on the market. Assigning a bailiff automatically disqualifies a given person from applying for a cash loan, because banks very scrupulously verify their clients in terms of creditworthiness. Before granting a bank loan, the client is checked in debtors' databases, such as KRD, and this applies to both individual clients and those who run their own business. In addition, bank loans require having creditworthiness, i.e. earning sufficient income to smoothly repay the loans. Payday loans with bailiffs
are completely different financial products. These quick loans are granted by non-bank companies operating on separate terms and often not verifying their clients in databases and resigning from creditworthiness assessment. Thanks to the offer of such payday loans, assigning a bailiff is not synonymous with the loss of the ability to borrow money.
Ranking of payday loans
Payday loans with a bailiff - what are they characterized by?
Payday loans with bailiffs
are special loans for those in debt both in banks and non-bank companies. Usually the type and amount of debt do not matter, because companies offering payday loans with bailiffs
accept applications from people in debt for both small and very large amounts. Such payday loans are granted as proof, which means that the only document required to take out a loan is a valid ID card. Loans with a bailiff are payday loans without bases
. A person who is indebted and is listed in the debtors database, in most cases does not even have the option to make installment purchases. This does not mean, however, that such a client will not borrow money anywhere. He can take advantage of payday loans with a bailiff
. Such a loan is taken online - without leaving your home, because all the formalities are dealt with via the Internet. Some companies also offer such payday loans at customers' homes.
The main feature that distinguishes payday loans with a bailiff
from other types of payday loans is the fact that there is no need to make a verification transfer. Offers for people in debt are payday loans without transferring a penny. The reason for this is very simple. In the event of a bailiff's seizure, all or part of the money flowing into the client's account is automatically seized by the bailiff against debts. If payday loans with the bailiff
were paid by bank transfers, the money could be automatically taken over by the bailiffs. For this reason, such loans are granted either at clients' homes or upon confirmation with GIRO checks and collection at the post office. In both cases, however, you have to take into account that a loan for people with a bailiff will be more expensive than most online loans. The arrival of a loan company employee home or the GIRO confirmation fee and a transfer with the return of the loan are additionally payable.
The best payday loans
Payday loans with a bailiff for those in debt
Payday loans for those in debt
are intended for all people who have some debts. Such debts can be: a mortgage, a car loan, a cash loan, as well as payday loans without BIK
and loans verified in databases. Bailiff seizure may also take place in the event of non-payment of utility bills on time or untimely repayment of installments for electronics or household appliances. There are many reasons for which the court awards a bailiff to a given person. Payday loans with bailiffs
are intended for every person struggling with bailiffs and planning to borrow money.
Conditions necessary to obtain a payday loan with a bailiff
The mere fact of seizure of a bailiff is not a sufficient requirement to obtain a payday loan with the bailiff
. A person applying for such a payday loan must meet the minimum requirements of a loan company of his choice. Usually, such payday loans without creditworthiness
- determining the amount of income obtained, this determination being made by submitting a declaration of income in writing or in the form of information on the application for a payday loan;
- being 18 years of age or older;
- full legal capacity;
- having Polish citizenship and an address in Poland;
- having a mobile number;
- accepting the regulations and consents to the processing of personal data.
In some cases, companies also have additional requirements, such as specifying the number of dependents or determining the average monthly expenses. Individual requirements always depend on the policy of a given non-banking institution and are specified in the regulations for the provision of services.
Choose a payday loan
Companies granting loans to indebted people
The payday loans market has evolved a lot in recent years and the number of companies providing payday loans with bailiffs has
significantly increased. Non-bank companies saw a significant gap in the market and decided to target their offers also to indebted people. The companies offering payday loans with bailiffs
include Rapida Money, SKOK, Nasza Pożyczka, Provident, Feniko and Koliber Pożyczka. Depending on the company, an indebted person may borrow from 100 to even 20,000 $. Payday loans with a bailiff
are usually granted within 15 minutes, but sometimes in the event of a bailiff seizure, the loan company may require a loan guarantor, and this is usually the case when the APR of the loan is relatively low. On the one hand, such a payday loan will be cheaper, but on the other hand, the applicant must find someone who will guarantee the repayment of the payday loan. It can be very difficult to find such a person. Nowadays, most people are afraid of guaranteeing someone else's obligations, especially when it needs to be done on behalf of a person with a bailiff occupation. Usually, only members of the immediate family decide on such a surety.
Debt payday loans - a special type of loans for those in debt
When discussing the payday loan with the bailiff,
it is necessary to mention a special type of loan, which is a debt loan. Such payday loans are typically intended for people in debt. The purpose of such a loan is to reduce the customer's debt, i.e. enable him to repay his debts. The money from the refinancing loan is transferred from one loan company to another, bypassing the client. In practice, it looks like this that a customer with a loan in company "A" may apply to company "B" for a payday loan via the Internet
that allows you to pay off the loan in company "A". This option usually only occurs when loan "A" has not yet expired, but sometimes debt relief may be applied to a loan that has already expired.
The cost of payday loans with the bailiff
Payday loans with bailiffs
are usually more expensive than loans granted after account verification and a positive assessment of the creditworthiness of the applicants. In the case of such loans, you can expect a very high APRC, while the APR may even reach over 2000%, and on average it is from 100 to 400%. Despite such a high APRC, the interest rate on the loan is ultimately not high, because payday loans with bailiffs
are granted for a short time. In most cases, you can get such a payday loan for 30 days, and only in few cases for 60 days. For a month or two months, the interest rate will not rise enough to make the payday loan very expensive. What's more, customers taking payday loans with a bailiff
know how much they will pay for borrowing a specific sum for a selected period at the time of simulating the loan costs. The customer does not have to worry about hidden costs, unless he uses additional services, such as, for example, extending the repayment date. Usually, when the repayment date is extended, you have to pay a fee in the amount of the interest part of the loan.
Check the offers
Check the ranking of payday loans
, and finding a favorable offer will be much easier. Thanks to our ranking, you will find out which payday loans with bailiffs
are the cheapest and best rated by customers.
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.