Loans without BIK, KRD and BIG – Where to borrow without verification?

Loans without BIK, KRD and BIG – Where to borrow without verification?

February 26, 2020 0 By admin

Loans without KRD are not as popular as loans without BIK – but you can get such payday loans. Fortunately, not all loan companies verify clients in the National Register of Debtors. In the case of a negative decision, it is worth reviewing the loans tab without BIK. Where do you borrow without looking at good credit standing?

Loans without KRD, BIK and BIG – offers

Loans without KRD, BIK and BIG - offers

Only one company does not check clients in the National Debt Register! It is:

Provident Self Service Loan is the only company we have found in the maze of proposals – and which does not check its clients in the debtors’ bases. A self-service loan in Providence is something for customers who like to borrow online without leaving their home, instead of visiting a branch or a representative at home. 100% online, with a quick loan decision and payment to your account in 15 minutes online.

Where else can people with KRD entries apply for a loan?

Where else can people with KRD entries apply for a loan?

The presented companies that do not check the KRD database are definitely not enough for people expecting a number of proposals. Fortunately, nothing is lost. Customers with negative entries in the National Register of Debtors may as well apply for a loan in companies that check debtors’ registers. The reason is trivial. Even if the lender checks the BIK and KRD databases, he does not attach too much importance to the negative entries.

Did you know that loan companies also grant loans to people with bad entries to BIK and KRD? They check them only to determine the limits above which they do not want to grant loans. Therefore, if your debt does not exceed a certain level (each lender has its own limits), then you still have a chance to receive a non-bank loan.

Recommended companies, where the grant of payday loans is the highest, also for people with bad bases

Recommended companies, where the grant of payday loans is the highest, also for people with bad bases

In the event of a negative decision, check the latest home loan statement. It is true that not everyone will like the visit of a representative in the apartment. However, the granting of payday loans is higher than on the Internet.

Loans without BIK

Loans without BIK

Most lenders who do not consider entries in the KRD also do not check entries in the BIK. However, to make sure that you will not be verified in any of these databases, we recommend you to look at our loans ranking without BIK.

What exactly is the National Register of Debtors?

What exactly is the National Register of Debtors?

KRD is an abbreviated name from the word National Register of Debtors. It is a private institution that collects information on debtors from all over Poland. This allows loan companies, banks and other financial institutions to verify their clients more effectively.

Few people know that KRD is not only targeted at large companies and corporations. Every average Agree Bank has the right to add his dishonest debtor to the KRD register. Such a service costs $ 49, and according to current data – over 50% of unreliable contractors returns money as soon as they receive a notification that they will be entered in the debtors’ database. That is why it is profitable for lenders to check the debt register, and loans without KRD are a real rarity.

Can you delete your data from the National Register of Debtors?

Can you delete your data from the National Register of Debtors?

The answer to this question is not as difficult as in the case of BIK. in which you have to work a lot to clear your good name. You can read more about this in the article: Can you clean your BIK ?.

In the case of the National Register of Debtors, the situation is much simpler. All you have to do is pay off all debts that appear in the KRD database. Then the register automatically deletes the data on arrears, and you will enjoy the same creditworthiness as before. Then you will not be forced to look for an attractive loan without KRD and BIK, but you will take advantage of the publicly available offer of loan companies. In turn, if you are not sure about the amount of debts, the amount of liabilities and companies you owe money to, you can check all this information yourself. Similarly to the Economic Information Bureau, in KRD you will verify this data completely free of charge.

Did you know that once every 6 months you have the right to check information on your arrears in the National Debt Register for free? We wrote about how to verify them in the article How to check if I am in KRD?

Loan without BIG

Loan without BIG

A negative entry in the debtors database, when you desperately need money, can become an obstacle to getting valuable funds. Payday loans without BIG help at this time. You must know that under the BIG abbreviation there are “economic information bureaus” which collect data on debtors and make them available to other entities.

This means that the abbreviation BIG in the name has entities operating under the Act on the provision of economic information and the exchange of economic data 1. Which BIG are checked? When applying for a payday loan or installment loan, the lender can look into four BIG offices:

  • BIG “Infomonitor”,
  • KRD,
  • ERIF
  • KBIG.

Therefore, if you have any arrears in payments, you can go to one of the above registers, to all of them or to none. It all depends on the willingness and level of motivation of your creditor, who has the right but does not have to add you to the debtors database.

Are you looking for a loan without a BIG? Just find a lender who doesn’t use the registry where your debt was entered. If you appear in BIG “Infomonitor”, look for a company that only checks KRD or BIK!

Loans without BIK and KRD – summary

Loans without BIK and KRD - summary

It should be honestly admitted that a loan without KRD and BIK is not easy. Entries in the database of debtors significantly limit the possibility of obtaining a financial benefit. A bank loan without KRD and BIK is absolutely impossible.

Therefore, if you are looking for help, you will find it only in the offer of loan companies providing high-risk loans. This risk is mainly associated with higher collateral, i.e. the interest rate on the loan. So remember not to deepen your debts when you take out a loan without KRD. Simply borrow responsibly!