” A loan without a BIK ” is a financial product that a client may obtain without its prior verification in the Credit Information Bureau ( __BIK__ ).

__It is never the case that the companies providing the aforementioned loans do not control the creditworthiness of their consumers at all.__ By doing this, they use data from BIGs, as well as special programs that quickly send lenders the required information.

There are a lot of companies providing loans without BIK on the market. Before choosing one, let’s make sure that we choose the most reliable of all.

Loans available at points of sale and online, that is, without leaving your home.

Ranking prepared for the city of Żywiec .

## HOW TO RECEIVE A LOAN IN A LIVER

The presented offers are available via the Internet. To receive a loan you need:

1. Select the loan amount and the repayment period.

2. Fill out the loan application.

3. Wait for the loan decision.

4. Expect to withdraw money to your account.

We will only need a personal ID, a mobile phone and a bank account to complete the loan application. The loan application specifies personal data and the place of work and the amount of remuneration.

Only in exceptional cases, the lender will ask for additional income documentation.

## WHO MAY RECEIVE A LOAN IN A LIVER

Loans are available to people:

a) adults,

b) with Polish citizenship,

c) living in Poland,

d) who have stable and documented income,

e) having a personal account and a mobile phone.

The above-mentioned companies allow the customer to have a negative credit history – entries in BIK and other similar registers will not be an obstacle in obtaining a loan.

## REPRESENTATIVE EXAMPLES

1) Profi Credit

Representative example: Total loan amount – PLN 5,000; constant Annual Interest Rate (RSO) – 9.80%; the total cost of the loan, which is PLN 6 592, consists of: preparation fee – 129 PLN, commission – PLN 3 971, interest rate – PLN 1 592, ‘Twój Pakiet’ – PLN 900; Actual Annual Interest Rate (APRC) loans – 89.93%; contract payable in 36 monthly installments of PLN 322 each; the total amount to be paid by the consumer – PLN 11,592. As of July 21, 2017 The condition for the loan is a positive result of the customer’s credit rating.

2) Rapida Money

A representative example: you borrow 15000 PLN for 36 months, paying 730.34 PLN per month, the total amount to pay 26291.92 PLN. Commission for granting a loan in the amount of PLN 3,600. The administrative fee in the amount of PLN 4,500. 10% interest rate. APRC 49.6% (variable).

3) lendOn

The first promotional loan – APR 0%.

Another loan: Registration fee: PLN 0.01; the total loan amount of PLN 1,000; the duration of the contract is 30 days; interest rate 0%; preparation fee 0%; commission PLN 274.00; capital interest PLN 8.20; total amount to be paid PLN 1282.21; Actual Annual Interest Rate (APR) 1958.27% .

4) Provident “Self-service loan”

The actual Annual Interest Rate (APRC) is 149.15%, the total loan amount (without crediting costs) PLN 3,000, the total amount to be paid PLN 4763.66, the fixed interest rate is 10%, the total loan cost is PLN 1763,66 (including: commission PLN 1598,40, interest PLN 165.26), 12 monthly installments equal to PLN 396.98. The calculation was made on 11/05/2017 on a representative example.

5) Optima Loans

Actual Annual Interest Rate (APRC) is 157.08%, total loan amount (without credited costs) PLN 10,000, fixed interest rate 10%, total payment amount PLN 16 077,36 payable in 12 monthly installments equal to PLN 1329.78 PLN, total cost of the loan PLN 6,077.36 (including: the sum of monthly commissions PLN 4,999.92, preparation fee PLN 500, interest PLN 577.44). The verification fee of PLN 1 is refundable. The calculation was made on 24/03/2017 on a representative example.

6) Ferratum Bank

Actual Annual Interest Rate (hereinafter: APRC) for the representative example on 27.07.2017 with a total loan amount of PLN 2000.00 for a period of 12 months is 160.00%. The indicated APR was calculated based on the total amount of the loan to be paid in PLN 3214.00, consisting of loan capital in the amount of PLN 2000.00 and total fees in the amount of PLN 1214.03, which comprise: a fixed administrative fee in the amount of PLN 690.00, fee for launching a loan in the amount of PLN 390.00 and interest on a loan in the amount of PLN 134.03. The variable interest rate on the loan is 10% per annum. The monthly loan installment for the given example is PLN 267.84.

7) Monedo Now

Representative example: loan amount: 3580 PLN interest: 678 PLN commission: 2614 PLN in total: 6873 PLN Interest: 6.3% average APY: 108% Period: 23 months min-max period: 6-24 months APRC (min-max ): 43% – 152%.

8) Crown Fund

The actual annual interest rate for a representative example of a loan of PLN 1,333 for a maximum period of 33 months (minimum period: 12 months) is 133.69% (the maximum APRC is 241.33%). Monthly installments PLN 80, last installment PLN 42.37. Annual interest rate (fixed rate) 10%, interest 269.37 PLN, commission 1.333 PLN. The total amount to be paid by the consumer is PLN 2,935.37 (as at 01/09/2016).

9) Coffee machine Express

New clients loan – APY 0%

Next loan – Actual Annual Interest Rate (hereinafter: APRC) for an example of a representative micro-loan as at 27.07.2017 with a total loan amount of PLN 1000 for 30 repayment days in one installment with a fixed administrative fee of PLN 274.66 and interest on the loan in the amount of PLN 8.33, it is 1974%. The variable interest rate on the loan is 10% per annum (interest is calculated on the basis of 365 days). APR covers the full cost of the loan (total cost – PLN 282.99). The total loan amount to be paid is PLN 1282,00.