Applying for a non-bank loan can be done in several ways. Like the transfer of allocated funds. You do not need a bank account to receive them. What are the other opportunities available to non-bank companies? ringtonesdownload.net has examples

Ways to verify your identity in online loans

Online loans are undoubtedly one of the most popular forms of applying for additional funds. Their biggest advantage is that you can go through the whole process very efficiently without leaving your home. It is necessary to have and verify a bank account, which is used to transfer funds and confirm the identity of the borrower.

You can confirm your identity in two ways. The first is the verification transfer. A small amount should be transferred to the lender’s account. After the payment is credited, he has the opportunity to verify the borrower’s personal data, which he provided in the loan application.

Confirmation of the bank account, i.e. its belonging to the person who is applying for funds, is also done using dedicated applications. These include: Kontomatik or Instantor, which is also used to verify financial credibility.

Loan without internet and without a bank account

Statistical data show that 16% of households in Poland operate without the Internet. In addition, approximately 18% of people do not have a bank account. Therefore, this large group of people will not be able to take advantage of the online loan offer. 

This, of course, does not mean that the funds are not made available in other ways and using other methods of identity verification. In addition, not having an internet or bank account is not the only reason why borrowers decide on other solutions. It can be, for example, bailiff seizure of an account or joint ownership of a bank account.

Giro check – collect cash

The giro check is a good solution for people who do not have a bank account or do not want to use it for various reasons, while they go through the online loan application process. It allows you to withdraw your loan in the form of cash. The check can be cashed in the nearest, selected Polish Post office. This can also be done at some banks. If it’s the most convenient way to withdraw funds, check which lending companies offer it.

The giro check may be in paper form. In this form it is delivered by courier along with the loan agreement. The moment of providing these documents is associated with the necessary process of verification of the borrower’s identity. A courier document should be presented to the courier. Some borrowers also use the giro electronic check. This usually has the form of a text message. The code contained in it is given to an employee of the post office or bank, who after verification of identity can withdraw cash.

People who do not use the Internet and do not have a bank account can apply for funds at the stationary branches of loan companies.