Loans in banks are increasingly fading into the background, and the first appear private companies offering financial support via the Internet. This is a convenient alternative, which is used by an increasing number of people. However, like any solution, it also has its drawbacks. Below we present the main pros and cons of having an off-Bank loan without BIC via the Internet. After reviewing them, you will be able to assess if this is the way out for you. Read also: is it worth taking a moment.
As the name suggests, these credits do not require a positive history in the BIC system. This is where banks check to see if you’ve had trouble paying off previous liabilities in the past. Private companies often bypass this step. Thus, you can get a loan even if you have not paid off the installments in a timely manner. In addition, no income statement is required. See also the topic of ranking moments without BIC.
This is a great relief, especially for people who do not work under an employment contract. They could take out a loan, earning money through a contract or contract of assignment. Do not forget about the lack of documents and the short time of the whole process. These are the main factors that determine the choice of this type of loan.
Let us now turn to the disadvantages. First of all, it is necessary to mention higher than in banks, interest rates and low amounts of benefits provided. Non-Bank credit without BIC via the Internet is often provided only for a certain amount. In individual companies-see how to select a company credit the upper bound is different, but I can’t change it if it’s already defined.
Buying a car is a big burden for the home budget. Often you can’t afford such expenses because it’s hard to raise a few tens of thousands. This is mainly due to problems with discipline and motivation. For people who appreciate convenience, there was a loan through the Internet, thanks to which you can get money for the desired car in a few minutes.
Credit through the Internet on the car
Why you should choose these solutions? First of all, because monthly contributions are less tangible expenses. It is easier to save a smaller amount of money periodically than to spend a larger amount once. That’s why so many people take out loans over the Internet. No need for them to have a certificate of income or positive credit history. See also what credit rating is.
Thanks to this, the whole process takes much faster than in the Bank. In the case of companies, a good option would be to consider a long-term lease, ie leasing. Here, as with a loan with equal or decreasing payments, monthly installments should be paid, as for a loan with equal or decreasing payments. The difference is that most often after the time specified in the contract the car is returned to the manufacturer and can” take ” a new one.
This way you have the chance to test different models while increasing the cost of revenue. Therefore, a loan over the Internet is likely to be the best solution for individuals leasing for business. The average citizen does not need to replace a car with a new one every few years, so using a long-term lease will only produce unnecessary additional costs.