Loans with home service – advantages and disadvantages of the solution
Undoubtedly, the biggest advantage of home loans is convenience. The customer will receive cash in hand, without leaving home. What’s more, he can decide for himself when the loan company representative will arrive at his home. Therefore, he does not have to bother at one of the institution’s institutions.
A home loan is also a great solution for people who do not have internet access or who do not trust internet transactions. In these institutions we can get loans without a bank account. The representative of the institution, in addition to giving cash, will also present the details of the offer, answer bothering questions and provide the necessary assistance in completing the loan application.
However, this solution has its drawbacks. When deciding on a loan with a home service, it should be borne in mind that we will be obliged to incur additional, usually considerable costs. The borrower, in addition to incurring fees related to the commitment, will have to take into account the necessity to pay a certain amount also for home visits. In addition, the loan receipt time is also extended.
Home delivery loan from Nominent
Nominent has been offering a loan to Poles for over 20 years with the possibility of providing it directly to the customer’s hands, this is the so-called Cash loan. This solution is very popular, and customers willingly use the services of the institution.
Simply put, this means that the elected representative of the company delivers the commitment to the borrower’s home. The client then repays the loan installments conveniently during weekly or monthly home visits. In addition, the borrower using the Nominent services receives access to attractive services:
- periodic interruption services;
- a guarantee that the repayment obligation will be lifted if the customer dies during loan repayment.
Nominent – installment loan up to 12 months
Nominent provides loans ranging from PLN 300 to 10,000 with the option of repayment weekly (30.45, 60.75 or 90 installments) or monthly (3, 6 or 12 months). In the second case, you can borrow up to PLN 8,000. The final amount of the awarded amount depends on the individual assessment of creditworthiness.
To apply for a loan at Nominent, certain conditions must be met. First of all, the client should be a citizen of the Republic of Poland and reside in the country. In addition, the borrower should be an adult, have a valid ID card and have a permanent source of income. This can be a salary under an employment contract, work or assignment, and income from a pension and retirement pension is respected.
Quick loans at your home up to PLN 10,000 with Home Credit
Home Credit is another non-banking institution offering home loans. This is a well-known and respected loan company that knows the clients’ needs and meets their expectations.
Home Loans primarily value clear and transparent terms. The borrowing process is very simple, so nobody should be complicated. The first step to making a commitment is to complete a short online form. In the installment loan application, we provide only the necessary personal data, which is why it should not take more than a few minutes. Then a Home Credit representative will call you back to ask you some questions for an initial assessment of your creditworthiness. If the conversation is successful, the adviser will visit us to write a loan application. The next and last step is to receive cash.
Home Loan – loan for 18 years
The amount that we can apply for at Home Credit ranges from 100 to even 10,000 PLN. Such a high loan is a great solution to cover medium and large expenses. The maximum loan period is up to 36 months.
To apply for a loan, you must meet certain criteria. First of all, you have to be in a certain age range, namely between 18 and 75 years of age. It is worth emphasizing that the lender accepts various sources of income, the minimum required monthly income is PLN 500 net.
Home loan for up to 52 weeks in Stork Loans
Undoubtedly, one of the most popular non-bank institutions offering home loans is Stork Loans. The company offers liabilities from 600 PLN with a convenient repayment period of 35, 44 or even 52 weeks. What is worth emphasizing, Stork Loans also directs its services to farmers, which undoubtedly distinguishes it from other loan companies.
The borrowing process is simple and consists of only four steps. At the beginning you should contact Stork Loans. This can be done in several ways, i.e. by phone, sending an SMS or via the website. The next stage is a telephone conversation with a helpline consultant. If it is successful, we will receive a phone call from a customer advisor to arrange a convenient date for the meeting. The last step is a home visit by a company representative and a cash transfer.
Online loan to your account as an alternative to a home loan
Online loans directly to your account are a great alternative to home loans. Customers are eager to use such a solution because it is convenient – we will receive cash without leaving home and fast – we can have money on the account after 15 minutes from submitting the application. In addition, when deciding to transfer a loan to your account, we do not incur any additional costs, except for the commitment. To use this solution, however, you must meet certain requirements. The most important of these is the need to have your own bank account.
Therefore, before we decide to use any solution, it is worth analyzing the pros and cons of the offer. If we care about time, it may be better to take a loan with a transfer to your account. However, if you do not have your own bank account, you should think about a home loan.