Nowadays it is difficult to imagine the lack of access to the Internet. Almost every home, store, office or restaurant has unlimited access to online devices. Such digitization has caused many companies to move their services completely to the network, limiting themselves to online sales and customer service. The same is true for non-bank institutions that offer payday loans online. Lending companies also took into account people who prefer the traditional type of contact, giving the possibility of taking payday loans on the phone.
What is a phone loan?
The non-banking services industry is distinguished by its great flexibility when it comes to approaching clients. They can set the amount for which they apply and the repayment date. Borrowers can also choose a method of granting loans, as payday loans for text messages, via the Internet and traditional telephone loans are available. Their parameters are the same in every case, only the loan application process differs. The whole procedure involves contacting the consultant by phone , who needs to answer a few simple questions about credit preferences and provide their details.
How do you get a quick phone loan?
As a new customer, you can take advantage of the free payday loan offer. Unfortunately, this does not apply to credit over the phone, because it is only granted to customers who apply for a loan again . As a new customer, you must register your account on the lender’s website and complete a short application, supplementing it with proof details. Granting a payday phone call is limited to a few simple steps:
Contact a consultant – instead of completing the application for another loan, all you have to do is call 22 228 21 03 and talk to your consultant about your expectations regarding the loan.
Formalities – after determining the amount and repayment date of the loan, the consultant will ask you to provide some basic information about you, such as name, surname or home address.
Cash withdrawal – after granting the loan, the money will be paid to your account or in your hand at the post office, if you decided to carry out the service with a bank check.
Waiting for a phone call is a solution for traditionalists who value direct contact with a company representative regarding finances. During the conversation, you can ask about all doubts and with the help of a consultant choose the best offer.
How much does a loan by phone cost?
Due to the fact that the loan by phone is granted to customers who have already used the services of the company, the costs of servicing the loan are charged to it. They are not excessive and affordable to avoid exposing borrowers to high expense. The company has developed the most favorable interest rate comparable with bank loans , which makes a non-bank phone loan an attractive alternative to traditional banking products. The minimum loan amount starts from PLN 100 and you can get up to PLN 3,000.
Of course, you can also get a loan over the phone for other amounts, tailored to your needs and financial capabilities. A tool for determining the loan amount is available website, so you can change the parameters of the payday loan according to individual requirements. Just use the sliders to set the repayment amount and time, and the commission amount and APRC will be automatically assigned to a specific value.
Who can apply for a loan by phone?
The rules for granting loans online are the same as for customers applying for online payday loans. The offer is available to anyone who is between 20-70 years old, has Polish citizenship and residential address in the country and has repaid his previous liability to the company . An interesting solution is a phone loan for the indebted, who can use it to settle financial arrears and got a negative decision in the bank. During the conversation with the consultant, he will ask about the source of income, which does not necessarily have to result from permanent employment. Therefore, the offer can also be used by the unemployed, who are on a disability pension, retirement pension or social benefits . A telephone loan without bases is granted regardless of the credit history, but you must remember not to have any debt. A telephone conversation with a consultant is also an opportunity to find a solution if you cannot deal with the outstanding repayment of payday loans. He may offer you a consolidation loan to deal with your financial arrears.
How long does it take to get a loan by phone?
In the case of payday loans provided by phone, the waiting time for money varies depending on the work of the consultants. You can submit an online application 24 hours a day , but it will be considered only during office hours. A telephone loan can be granted immediately even within a few minutes, as the decision is issued immediately during the conversation with the consultant. However, you must remember that customers are served between 8-22 on weekdays and 9-20 on Saturdays and Sundays. If you make contact during business hours and choose the method of payment by bank check, you will receive a loan by phone in 15 minutes . In this case, the withdrawal of cash is not dependent on interbank sessions, because you decide when you apply for money to the nearest post office. A telephone loan is the perfect solution if you need a loan for now and want to do all the formalities immediately during a conversation with a company representative.