Do you need a very urgent cash injection? Sure, if you have not yet dealt with borrowing money from any source, you want to know where to place the application.
Banks and cash loans
If your attention is focused on the banks, you should definitely be interested in more cash loans first. There is a reason why these are banking products that are also provided over the Internet. Because they do not really require so many different formalities, and banks are still able to guarantee that the bank will grant this loan in a very short time.
In fact, the money from the moment of the application can be on your account even within a dozen or so minutes. However, you have to remember to meet several key conditions. First of all, banks require their clients to show adequate creditworthiness as well as a positive credit history. In such circumstances, we have an increased chance of actually getting the cash we need.
It must be remembered that very often we have limited hours of operation of the Customer Service Office. In the end, it is the bank that usually works from Monday to Friday. Therefore, if we decide to submit a loan application at the weekend, we will rather wait until the next business day. In addition, the instant transfer can mainly include people who already have an account in the same bank. Otherwise, you may have to wait longer.
In comparison to non-bank products, cash loans stand out above all because we can actually apply for a much larger amount. Having a really substantial creditworthiness, we can apply for an amount of up to PLN 200,000. Golden. Of course, this is not possible in all bank branches. However, such offers should be easily found thanks to the cash loan rankings. Let us also remember that the repayment period, which is broken down into monthly installments, is also much longer than in the case of non-bank loans. With larger amounts, we can easily pay off our loan, even for 10 years. Of course, everything will depend on the bank’s individual offer.
Another way to get a very quick cash injection is to take advantage of offers from loan companies. Of course, to this end, you should already enter the scope of non-banking products. Probably many people who have nothing to do with this subject yet, wonders whether such loans will be an ideal solution.
They are probably guided by many different stereotypes in their fears. Above all, the costs are extremely huge. But do we really have to fear this? Everything will depend mainly on which particular company we decide to borrow from. Because we can actually deal with rather uncertain companies that have neither their own headquarters nor their own website. And the only advertising they use is to cover their phone number on various types of advertising posts. In fact, it is better to stay away from these types of companies because it is doubtful whether they actually interact with the Non-bank Loan Act.
It is better to cooperate with loan companies that have the Financial Supervision Authority over themselves. Then we will know that costs are calculated in accordance with the provisions in force in Polish law.
Waterpumpers are in fact distinguished by the fact that they are available almost immediately. All you have to do is fill in a short loan application, and after a few minutes you can enjoy the cash in your bank account.
However, in order to actually receive a quick loan, we also need to look very carefully at the loan company that will be able to guarantee it. First of all, we must check whether we definitely have a bank account in the same outlet where the loan company has accounts. Otherwise, we can expect that the payment will be credited in accordance with the applicable interbank sessions.
In addition, it is worth checking how the verification of personal data takes place. If you also need to make a symbolic bank transfer to an account with a completely different bank, the same checking of your data may take more time than just a few minutes.
Check also at what times the Customer Service Center is working. Thanks to this you will at least find out if actually sending the application on Saturday evening will make any sense. Because if the consultants accept applications only from Monday to Friday, and you really care very much about cash, then it is necessary to find a different company.
Here you can also successfully use non-bank loan rankings. It is thanks to them that you will be able to calmly assess in which companies it is really profitable to apply for a loan. Because the ranking will contain only proven companies that you can successfully trust. Extensive rankings also have information on all these issues that have been mentioned a bit earlier. Thanks to this, you also save time because you do not have to search every offer separately.