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Non-bank Loans – Who Uses Loans Without BIK?

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Non-bank loans – who uses loans without BIK? Non-bank loans are becoming more and more popular from year to year. More and more people use them and more and more new loan companies appear on the market.

Where does this tendency come from? This is probably due to the fact that banks are increasingly tightening procedures for obtaining loans. The coefficients of calculating the creditworthiness of the customer have changed, the banks require more and more documents, the loan offer for the statement for new clients who do not have an account has completely disappeared.

Once, to get a loan from the bank even at PLN 50,000, it was enough for the customer’s statement about the place of employment and the amount of income obtained. The income statement was of course confirmed by telephone, but it was enough to sign the contract. In this way, getting a bank loan was possible a few years ago “on the spot”, ie within an hour of time.

With the appearance of the banking crisis, the form of loans in banks on the statement completely disappeared. As of today, only the regular customer of a bank whose income is influenced may obtain a loan for the statement. Some banks in such situations, on the basis of verification of receipts on account, offer their regular clients credit for a statement. Based on the account history – up to some amount, these are usually small amounts.

And in response to the needs of clients who often need to borrow money quickly, without certificates, without statements or even without the ability – there are offers of non-bank loans. It would seem that with the so-called quick loans are used only by customers who have a negative credit history or which banks refuse to credit. This is not true. Of course, such people also reach for non-bank loans, but they constitute about 60% of clients. Non-bank loans replaced old bank loans with a statement. Hence, often for quick non-bank loans, people who need to borrow money quickly, for example, can not get a certificate of earnings on the spot.

Non-bank loans are also often used by people who run a business. It is well known that the procedure for obtaining a bank loan in the case of business is very complex. Certificates from ZUS / US, PITs, company and personal account statements are not all that appealing, especially when it comes to a small sum of money, e.g. PLN 10,000.



Non-bank loans are regulated by banking law and the Consumer Credit Act. Thus, the customer, as in the case of a bank loan, has the right to withdraw from the contract within 14 days, and also has the right to reimbursement of the costs in the event of early repayment of the loan. The terms of non-bank loans are becoming more and more attractive. As of today, there are many well-known companies that offer loans without certificates even up to PLN 15,000. Taking into account the interest rate on the loan at the level of 10% per annum, it looks really good. Non-bank loans are no longer associated with old usury or lawlessness and have become an excellent alternative to bank loans.

Low interest rate, no required certificates, the possibility of obtaining cash in one day, the possibility of early repayment including the return of some fees. All this makes non-bank loans a very attractive loan product that reaches for more and more people.

What conditions must be met to get a loan?

What conditions must be met to get a loan?

Non-bank loans are very easily available. The easiest and fastest way is to simply take out a loan from the credit office. As previously mentioned, up to PLN 15,000, it is usually enough to provide your ID card and you can count on the payment of money within a dozen or so minutes of signing the contract at the office. In order to obtain a non-bank loan, you need to earn income and pass a positive verification at the Economic Information Office (BIG).

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Loan for Indebted Installments

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If you have a debt problem and have no chance of getting a loan from either the bank or most non-bank companies, try the Lapuda cash offer.

The Lapuda cash company described today is a complete novelty on our loan market, a company that specializes in providing loans to indebted persons. It can not be concealed that such loans are bypassed by our loan industry. Lapuda cash is just meeting indebted people and allows you to get a loan of up to PLN 25,000.

Lapuda cash is not at all fresh on the loan market because it has been successfully operating since 2005, but only now has the brand debuted on the Polish market. The company originates from the United Kingdom and has so far granted loans for a huge amount of PLN 5 trillion (in terms of ours) to 230,000 clients.

What can we count on using the Lapuda cash offer – loan for indebted installments?

As I mentioned earlier, it is a loan offer without Retrodatabase, prepared mainly for people struggling with various types of debts. Therefore, both people with bank debts and a negative credit history at Retrodatabase have the chance to get extra cash. Also people with debt bailiffs. The main condition for obtaining financial support from Lapuda is to have a guarantor or, if you prefer, a buyer. The company does not give loans in a different way as with a person who will guarantee the loan. He is the person who is fully responsible for the debtor’s obligations towards the creditor (in this case, in the case of Lapuda Cash).

What conditions still need to be met to apply for a loan in Lapuda? Loans are granted to persons who are between 18 and 75 years old and who reside in Poland. However, it can not be a person who is in the process of proceedings for the declaration of consumer bankruptcy. All formalities related to obtaining a loan are dealt with remotely, when submitting an application by electronic means. Additional verification takes place via additional telephone calls, both with the borrower and with the loan guarantor.

The amount available under the loan offer for indebted in Lapuda cash is from PLN 2,500 to even PLN 25,000 with a repayment period from 12 to 48 months. The detailed cost of the loan can be found on the company’s website by entering the amount of the loan we are interested in along with the repayment period. Most loans are paid out to the guarantor’s account (not to the borrower’s account) within 24 to a maximum of 48 hours. In some situations, the loan granting process may be slowed down. Especially if we submit the application during the weekend (Saturday or Sunday) or if the company has a problem in contacting us or the guarantor. A loan may also delay the delivery of additional documents such as ID or bank statement.

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