In Poland, the number of people unemployed is decreasing, as indicated by the latest unemployment rate results. According to the information from the Ministry of Family, Labor and Social Policy, the registered unemployment rate at the end of April 2018 was 6.3 percent. and was lower by 0.3 percentage point than the rate from March 2018. The number of unemployed is about 1 million. This is a large group that may want to take a quick payday loan. Does it have any chance?
Are loans available to the unemployed?
Being unemployed does not have to be tantamount to a lack of income. An unemployed person may receive a pension or have income not reported to ZUS and taxation. Theoretically, therefore, it may have adequate creditworthiness to receive a loan obligation, but no bank will grant a loan application to a person who does not have a stable source of income in the appropriate amount.
The situation is slightly different in the case of loan companies which approach the issue of documenting income in a liberalized way. It is often enough to declare your monthly income to be able to receive payday loans online, ie without leaving your home. It’s a convenient way to supplement your home budget or raise funds for any purpose, including for the unemployed.
Loans for unemployed persons without certificates
In general, online loans for the unemployed are the same as loans without certification. The loan company does not have to ask about the client’s income at each month. The basis for granting an online payday service can be information from an ID card, such as name, address, PESEL number and ID number. The lender may require you to declare the amount of income and its source, but this is not always the case.
Most often, the potential borrower is asked to verify his identity by means of eg an identifying transfer for a symbolic amount, eg $ 1 or $ 1. On this basis, the loan company checks if the client is actually the person he or she claims to be from the loan application. Data from the transfer and the loan application must match.
To maintain financial security, lenders often grant online debtors’ databases when providing online payday loans, eg KRD – National Debt Register or InfoMonitor Economic Information Bureau. If you are listed as a debtor in these registers, you are unlikely to receive a loan and it will not be related to whether you are working or unemployed.
A good loan history makes it easy to get a loan after passing online verification. The first payday for a new customer in numerous loan companies, such as PennyMan, is provided free of charge, provided that the borrower repays the contracted liability strictly within the time limit specified in the contract signed with the loan company.