Remember that having a different obligation (e.g. payday loans in another company) does not exclude you from applying for a loan in this company – it all depends on the amount of your income.
In addition – even if you are listed in one of the above-mentioned bases – you have a chance to get a loan. The company makes an individual assessment of each client.
Each application is considered for free. You won’t find any deposits or initial fees here.
In the event of a “slip-up”, you can submit a new application every 30 days (without any consequences).
How is this company different from others?
Other entities usually offer products with a very short repayment period (most payday loans are granted only for 30 days, while repayment is made in one installment). Personal Payday loans are trying to meet the needs of customers who prefer to spread the payment over a long period.
In this company you can borrow from PLN 800 to PLN 25,000 for a period of 3 to 48 months.
Personal Payday Loans – who can apply
Personal Payday Loans customers must:
- be Polish citizens
- be at least 18 years old
- have a bank account and a mobile phone
- have a source of stable and documented income
The company offers its products to people who have a source of income from an employment contract, retirement pension, permanent pension, own business or civil law contract. Therefore, applications from the unemployed are refused.
Read the article, from which you will learn exactly – how payday loans check employment.
For most customers, all you need to do is provide your pesel number and other details from your ID card. However, the company reserves the right to request additional customer data (during phone verification).
The offer does not provide for other options for securing the liability (e.g. using real estate).
Personal Payday loans – how to take a loan
Personal Payday loans sell payday loans only via the internet. You submit the application using the application on the company’s website. All documents related to the granted loan are electronic (if you want – you can print them later).
Then use the loan calculator and specify the amount of cash you need and the number of installments:
Use the calculator to find out the exact amount of each installment and the final amount you will pay the company. Thanks to the calculator you can compare different variants of a planned loan.
After submitting the application, the company will present you with an offer and ask you to verify your personal data.
Verification in Personal Payday Loans is done via bank transfer. You must make such a transfer from the account on your personal data (the same as you provided in the loan application). Making a transfer from an account registered to another person results in the rejection of the loan application.
During verification you will be redirected to the online payment gateway and you will have to make a transfer of PLN 1 to the specified account. After the procedure is completed – PLN will be refunded to your account.
After positive verification, the money will go to your bank account within 15 minutes.
You can use the money to get the Personal Payday Loan for any purpose. While submitting the application, you will be asked to indicate the purpose for which you plan to allocate the money – but this applies only for statistical and marketing purposes.