Everyone who has employment undertakes to submit an appropriate tax declaration annually. In many cases, the employer will provide the letter for you. This document contains, inter alia, job data as well as the amount of our income. Therefore, it is often considered as a substitute for special certificates from superiors. What is a Personal loan? Let’s see!
Personal loan – what is this loan like?
A Personal loan is an offer addressed to people who want to reduce all formalities to a minimum and avoid talking to their employer about their plans. However, this will not be possible when we face the necessity to submit an income certificate. Most often, we will be asked to submit such a document when applying for a bank loan. Despite this, with larger amounts it may also be required in non-bank branches. Undoubtedly, asking the boss to sign a letter regarding financial support in any institution is not the most pleasant. It is also worth remembering that the boss has the right to refuse to issue the relevant document. If our contacts with the employer leave a lot to be desired, there is a risk of not receiving the necessary certificates.
However, there is no situation without a way out. In such cases, both banks and non-bank companies offer their clients alternative solutions. One of them are Personal loans. As we mentioned at the beginning, they contain not only the necessary data about our employer, but also the amount of income.
Personal 37 loan – where will you get it?
A Personal loan is a good solution for people who want to avoid asking the employer for a bank or non-bank company certificate. In this way, the time spent on gathering the necessary documents is kept to a minimum. Each of us has access to our tax declaration, and thus we can easily avoid additional activities necessary to collect documentation. Viewing the financial support offers in banks, we have access to the list of required certificates. Among them, very often we will find those taking into account the possibility of receiving a Personal loan. If you do not have the appropriate form, you can certify your income with, for example, a bank statement. Bank Millennium, Credit Agricole and Santander Consumer Bank provide such a solution.
In turn, a cash loan for Personal in non-bank institutions is becoming rarer due to the reduction of formalities to a minimum. Let’s remind again. We do not need any certificates from the workplace or even a pit. Our obligations include completing a short statement regarding financial standing, going through the identity verification process and receiving a positive creditworthiness assessment. The Personal 37 loan will be addressed to people who pay via payers or have received a Personal 11 declaration from the employer paying them a salary. When searching for this type of product, please check which document will be required from us. We also need to have knowledge about our own billing method. All this will help us avoid mistakes and waste of time.
Online Personal loan – how to get it online?
An online Personal loan will be an ideal solution for people who want to do all the formalities without leaving home. If we have an account with a given bank, then the agreement will be approved from the banking level. Otherwise we will be asked to sign the institution or during the courier’s visit. Some lenders also use the option to accept the contract with a one-time authorization code. It all depends on their internal arrangements.
In most cases, the first step to getting a loan is to complete the appropriate application on the institution’s website. We will need basic Personal data, address and contact details. We will also be asked about our financial standing, which will help in assessing creditworthiness. Let’s also prepare a photocopy of the Personal declaration and ID card. Thanks to this, the whole process will run smoothly and quickly. Then, after completing all the information, wait for a call from a consultant. It will verify the information we provide or assist you in completing the application. During the conversation, we will also receive detailed conditions tailored to our financial situation and credit decision. If everything suits us, all we have to do is sign the Personal loan agreement and wait for the transfer.
When it comes to signing the contract, the lenders propose different solutions. As we have already mentioned, as regular customers of the bank we receive the opportunity to approve the contract in electronic banking. Other institutions use a one-time authorization code. It is worth noting that in many cases we will first be required to perform a verification transfer. When we care about skipping this stage, it remains for us to go to a bank branch to sign the documents or use the services of a courier. In this situation, all you need to do is show your ID card, approve the terms of the contract, and then wait for the Personal loan to reach our account.
As we mentioned, we do so. Below we present offers of non-bank loans guaranteeing its clients to limit all formalities to a minimum.
Installment loans online
Personal 36 loan
how much time waiting for a decision?
If we are employed under an employment contract, commission contract or contract for a specific task, we can receive loans for Personal 40 or 36. However, remember to photocopy the document or scan it in such a way that you can attach it to your application. It is worth doing it earlier, because it will allow us to smoothly go through the application process. We can also use the Personal 36, 36L or 28 loan when our source of income is our own business activity. However, we should remember that the limitation of formalities applies only to selected products.
According to information provided on the websites of banking institutions, we can receive a decision within 10 minutes of submitting the application. However, the total application time depends on how quickly the consultant will call us or even the construction of the form. For complicated applications, we must be patient. If we decide to take advantage of an offer other than a Personal loan from a loan company, we have the chance to fill out the form within a few minutes, and we will receive the decision almost immediately. In addition, lenders allow you to verify your identity by methods other than a regular transfer.