Loans are known to everyone. They are used equally by individuals and entrepreneurs. It is thanks to them that you can face financial problems or urgent expenses. But where can we count on long-term loans without credit card ? Check!

Bank loan offer

Bank loan offer

I must admit that the bank loan offer is impressive. Here we have a choice of both cash loans, mortgage loans, consolidation loans as well as car loans. And long-term loans without credit card ? Will we find them here? Banks have very strict requirements, in addition to verifying creditworthiness, they also check debtors’ databases. Therefore, people with an entry in BIK may have difficulty obtaining the long-term loan they need.

Credit offer in loan companies

Credit offer in loan companies

The loan offer in loan companies looks much better. Here, you do not set such high requirements for customers, so even people with a BIK entry have the chance to receive financial support. However, this is only the beginning. Loan companies do not pay so much attention to credit history, so also people with bad history and problems with repayment of previous obligations can apply for a loan.

Creditworthiness is also not a key determinant here, and the only documents required are usually a valid ID. Interestingly, some long-term loans without bik can be applied for online. The only requirement is to have a device with permanent internet access.

What about loans from individuals?

What about loans from individuals?

We should remember that private individuals can also give us financial support. Increasingly, we can meet the fact that private individuals offer financial support. Loans are granted on different principles, so depending on where you apply, we can count on a different amount of support as well as different repayment dates. For example, some people may agree to repay their liability within a few days, others within a few months.