Most of us know and have a good idea of the procedure for applying for a loan at a branch of a classic network bank. There, in most cases.
Well, after all, collecting information, searching for guarantors, evaluating collateral to get a bank loan – it all takes a while, which can take up to several days. And if such a time is not available and the money is needed very urgently?
Cash loan without MFI guarantors and guarantors
Is it possible, in principle, to obtain a cash loan without certificates and guarantors , without collateral? It turns out that it is quite possible today. Today, in the era of mobile and Internet domination, there are specialized “Internet” financial companies (micro-financial organizations, or MFIs) that issue the fastest (urgent) micro-credits in the domestic financial market under the simplified procedure.
MFIs generally do not have a wide network of offices and a large staff of staff required to advise clients and handle their documents. Such MFIs mainly exist only on the Internet, in the form of relevant websites, which are, in fact, a collection of computer programs. The principle of MFIs is largely based on:
- independent actions of the applicant in declaring the information necessary for the cash loan without certificates and guarantors ;
- automatic (program) search and processing of information from the most detailed electronic client bases, which practically “know everything” about us;
- a simplified procedure for applying for an MFI loan, the task of which is not to know about the client something essential (all the necessary information has long been available in electronic client bases), but simply to identify it.
According to the simplified procedure
For applying for a loan with MFIs, just having collateral, income statements and guarantors is not required. However, in order to qualify for a cash loan without MFIs’ guarantors and guarantors , the borrower needs to meet some simple but very clear requirements:
- stay on the territory of Ukraine;
- be of legal age (18 years and older);
- have a Ukrainian citizen’s passport and ID card;
- have a valid electronic card of any Ukrainian bank;
- have a valid mobile phone contact number.
Let’s agree that the overwhelming majority of our residents, who from time to time need to “intercept” a certain amount of money in debt “to pay”, already meets such minimum requirements.
How to get cash loan without help and guarantors in MFIs?
The procedure for obtaining a cash loan without certificates and guarantors in a micro-financial institution is characterized by:
- Convenience and accessibility . After all, in order to apply for a loan with the MFIs there is no need to go anywhere, visit the offices (branches) of a financial company. To begin the procedure of cash loan without certificates and guarantors in the MFI can be physically located anywhere (at home, at work, visiting, transport, restaurant, etc.). All you have to do is access the Internet from a desktop, tablet, mobile computer (laptop) or even a smartphone (pocket PC).
- Simplicity . Despite the fact that the main work on the loan application in the MFIs the applicant will have to do independently, in general, it is characterized by considerable simplicity and intuitiveness. In most cases, submitting a loan application to the MFIs is to fill out an online application form directly on the MFIs website, which should include (declare) certain information about the applicant required: