When you need a loan quickly, you cannot wait for the bank or other financial institutions to analyze your request, they ask you for a lot of papers and receipts that you often do not have and finally give you an answer that is not expected. Don’t you feel like banking your boss’ s face when you ask him for an advance? Or your family’s questions about the fate of money? For the occasional lack of money, there is nothing better than online loans. They are agile, simple and convenient. Find out direct lender payday loan website Do you have an empty wallet and do not know where to get extra weights? I can help you: you can view https://citrusnorth.com/ and ask for a direct lender payday loan. My service is very useful when you need a short-term loan for a specific situation. While it is simple to apply and access my loans online, it is not intended for finance you in the long term or if you are already seriously in debt. Keep in mind that you will have to cancel it within a maximum of 3 installments. As we get to know each other, if you comply with the agreement, more money and better benefits I can give you. Another advantage of my online loans Another advantage of my online loans is that they are processed every day of the week, from any computer or cell phone. By entering my website or downloading the app, you immediately have all the necessary information. I am more transparent than water! The entire registration, application and approval process is done online and in a few minutes. There are no paperwork or paperwork; neither hidden expenses, nor small print to decipher. Days to collect and you also need money If you have a few days...
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Personal Payday offers quick installment loans, available for any purpose. The company belongs to the international financial group Profireal Group, which also provides loans in the Czech Republic, Slovakia and Bulgaria. OFFER Personal Payday IN GREEN MOUNTAIN Customers can count up to 25,000 PLN, with repayment up to 48 months. The company has a flexible approach to the customer, you can get a loan even without leaving your home. Money is available to people who earn a steady income, entrepreneurs, pensioners. 1. Personal Payday Loans Loan amount: from PLN 500 to 25,000 Repayment: from 6 to 36 months Up to PLN 9000 also for a statement The offer also for entrepreneurs Minimal formalities Flexible approach to the customer APRC 89.93% Submit an application The loan can be obtained through the facility in Zielona Góra. The application can also be submitted via the Internet, by telephone or at Personal Payday’s financial advisers. 2. Personal Payday online loan Loan amount: from PLN 500 to PLN 20,000 Repayment: from 6 to 48 months All over the Internet No income statements A quick decision Money for any purpose APRC 66.75% Submit an application The Lendup brand, which grants loans entirely via the Internet, belongs to Personal Payday. OPINIONS ABOUT Personal Payday Personal Payday arouses extreme emotions. The company was criticized for high costs and mandatory insurance. The situation changed on March 11, 2016, when Personal Payday presented a new offer. Loans are much cheaper now, and compulsory insurance is also abolished. However, the loan amount has not changed, we will still loan a maximum of PLN 25,000. Although the maximum repayment period was reduced – from 48 to 36 months, but due to the more favorable interest rate, the change should not be noticeable to customers. One thing is certain – less-wealthy people with...
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April 27, 2019Summer is coming, it’s time for an adventure. We work all year long, we learn and finally the longed-for holiday is approaching. We have been dreaming about how we will spend this special time for several months. If you not only want to rest and recharge the “batteries” for the next year, but also have unforgettable memories, we have to reckon with the higher costs of summer rest. Some people scrupulously postpone every month to have a large budget for summer madness, others – less strenuous – will have to consider whether the loan for vacation 2018, will make it possible to fulfill the dream of a wonderful rest. Holiday loan 2018 There are at least a few possibilities to obtain funds for a trip – cash loans from a bank, loans from a debit limit in a personal account, payday loans (now even available in a version with installments ). Let’s do a short review of the possibility of obtaining money, taking into account the cost of the loan and its availability to the client. Payments loans The loan is the easiest to obtain and at the same time the most expensive one. Obtaining money requires submitting an application on the lender’s website, which takes just a few minutes. No certificate of earnings are required to complete the application – all you have to do is fill in the amount of income you get. Some loan companies do not even check BIK data, but they often check registers containing data of unreliable debtors. An online loan for new clients usually ranges from PLN 200 to PLN 2000. Sometimes the first loan is free, subject to repayment within a certain period. Rates are granted for up to 60 days, although the maximum loan length is usually 30 days. Usually, the...
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April 23, 2019An alternative to bank loans are not only products offered by non-bank companies, but also private loans. When we ask for help from relatives, we rarely think about any formalities. However, it is worth remembering that such transactions are also subject to appropriate legal regulations. When does it apply and what is the tax on a private loan ? What changes were introduced in 2019? Let’s see! Private loan – what is it? When financial problems arise in our lives, we often ask for help from our relatives. No wonder, in the end, they are people that we trust. In addition, in many cases they do not require us to pay for the money you have borrowed. Typically, transactions carried out in a family or friendly atmosphere do not resemble official meetings with a client’s advisor or even submitting an online application on the websites of non-bank institutions. As a result, not many of us realize that from a legal perspective, they are perceived as a private loan subject to specific regulations contained in the Civil Code. By definition, these are all operations consisting in the transfer of a specific amount to the borrower by a natural person or institution that does not conduct activities of financial intermediation for a definite or indefinite period. Very often receiving money from family or friends, we do not specify a specific date of their return. Mutual trust allows you to transfer your capital free of charge with the conviction that eventually he will come back to us. Imagine a situation when someone in our immediate environment urgently needs a loan to repair the car. Having the right funds, and realizing that it is necessary for the proper functioning of the whole family, we will not hesitate even for a moment. Who at the...
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Very often we use mortgage and mortgage terms interchangeably. It is worth pointing out, however, that in reality there are different products that may have other purposes. What is a mortgage loan and what is a mortgage? Loans and loans serve the same – they allow us to borrow money. However, they really have other support in Polish law, and thus other conditions, requirements and even costs. Most often we hear about mortgage loans – we can take them in a bank to build a single-family house or to buy a flat or a plot of land. However, we already hear less about mortgage loans. We can receive them both at banks and non-bank lending companies. So what is a mortgage loan and how is it different from the loan? What is a mortgage loan ? The mortgage loan is based on the provisions of the Civil Code. The security for this loan, just like a mortgage, is a mortgage on a given real estate owned by the borrower. It is worth noting that the purpose for which we want to get money in the case of a loan does not play a role. Therefore, we can transfer the loan not only for the purchase of real estate, but also for a number of other purposes – buying a car, organizing renovation, traveling around the world, paying off debts that can not wait. A bank or loan company offering a mortgage loan does not penetrate, what are the loan goals – we can spend money on every goal and we do not have to explain it in the presence of the borrower. The value of mortgage loans is usually calculated as 40-70% of the value of the property. Therefore, if the property is worth about PLN 200,000, we...
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March 12, 2019Many people actually need a loan. But they are afraid of the high rates. Those could become too much of a burden, they are frightened. One solution is a loan in small installments. However, you must be careful: this strategy has some disadvantages. Moreover, not every bank understands the same thing under this name. Loan in small installments: who pays? Anyone who is interested in a loan in small installments usually wants to pay only a few monthly payments. However, there are also banks that offer loans in installments. A classic example is education loan. This is paid in up to 36 installments. The monthly installments can only cover a few hundred euros. Therefore: If a loan or loan is offered in small installments, first look at the details. Loan in small installments: Crucial are the term and the loan amount Basically, the amount of loan installments depends on two factors: Amount of the loan amount Length of the repayment term The amount of the loan amount is a very simple logic. The lower the credit, the lower the rates can be. You can, for example, pay off a € 3000 loan with monthly installments of less than € 100. At runtime, you usually have the choice of twelve to 84 months. The longer the runtime, the lower the rates. If you are looking for a low-rate loan, extending the term is the best strategy. Loan in small installments: the disadvantage of long terms Banks usually find it excellent if you choose a long term. This fact alone should make you skeptical. Too long runtimes have two disadvantages: You pay longer interest. The total debt will be higher The interest rates for longer maturities are higher than for shorter ones. This also increases the total debt Both disadvantages lead...
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Loan companies have a wide range of proposals for their clients. Not only individuals, but also entrepreneurs are encouraged to lend money. However, before we get into one of the offers, we should get to know its details well. Currently, installment loans are very popular among non-bank loans for business. They resemble cash loans offered by banks – we incur a certain amount, and the repayment takes place monthly paid installments. This is an attractive alternative to payday loans, because we can then incur a higher sum, the repayment will be extended for a longer period. In this way installments will not be a serious threat to the company’s budget, even the one that has just started its activity. How to find a good loan company? The foundation is to find a reliable loan company. There are many of them in Poland, but not every one of them is wider known. It also happens that the loan company is geeky. How to avoid such offers? It is worth checking the opinions that we can now find online. We will find them on loan portals, forums, in comparison sites or rankings. When the opinions are positive, and on the company’s website we find all the necessary data, including its address data,, then we can submit an application. Otherwise, you should look for another proposal. We also pay attention to those loans that require payment of a fee to process the application, as well as those companies that do not have their headquarters or branch in Poland. How to choose the best loan for the company? The second issue is choosing the right loan for companies that will be matched in every respect. It is worth remembering that we should not decide on a loan in installments when we are...
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March 2, 2019When it comes to installment loans, the borrower agrees equally high monthly installments. These serve both the interest payment and the repayment. In comparison to other financing such as the discretionary loan or the partial payment function of a loan card, a installment loan is cheap. What the installment loan is worth The inclusion of a installment loan is useful in the purchase of long-lived assets, such as a car, a kitchen or large technical equipment, if you can not pay from the existing income. If the dealer offers a discounted or even free installment payment agreement, this is cheaper than the installment loan of a bank. Consumers are, however, critical of borrowing for pure consumption purposes, such as holidays, unless it is an investment in the future, such as financing a language holiday. Many purchases can also be financed through the current account, but consumers pay too high interest on out-of-pocket loans , especially as these are additionally burdened with compound interest. When paying in part on a loan card account, the interest charge is usually even higher than for a disposition loan. Make a loan comparison Before you decide on a installment loan, you should first make a loan comparison. Installment loans are provided by different banks and with different maturities. So that the consumer finds a favorable loan rates, it can free loan calculator to use for a comparison of the different offers. This shows him after entering the basic data such as the desired loan amount, the purpose and the preferred term, the cheapest offer. Decisive for the price comparison for installment loans is the annual percentage rate. The purpose of an installment loan is important, as banks offer special terms in some cases, such as the purchase of a vehicle. If the consumer does not...
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February 15, 2019You may have heard of the horrible experience some clients have taken from the relationship of a credit company to a debtor. How to choose a trusted credit company and not get burned when choosing a loan? The credit product market is very diverse, and while some companies find honest and professional services, others can rip your hair for many years after signing the contract. What warning signals should you pay most attention to when negotiating a loan? A special way of marketing promotion Leaflets on lampposts luring a good loan. In 99 out of 100 cases, this is an unfair loan from a usurer. If the company uses such primitive ways of promotion, there is probably something wrong with it and do not expect a serious approach from it. Websites that need information Most reputable credit companies have information on their site about the amount of money they borrow, what interest will be and the APR rate. The standard calculator is also an online calculator, which can be used to find out how long the loan will be repaid and how much it will pay for it. Tip! Do you want to have an overview of your loan? Compare online loans to Netfinance.cz and find out where they will give you the best interest! Most of the time, a credit company has sites with very insufficient information. In addition to being a great, awesome … just don’t get the BEST loan, you won’t find anything on the site. Usually, there is only a telephone contact or an email address on such pages. When the client contacts them, some companies “willingly” bring money up to the client without having to send him a contract for inspection. The client will then see the contract for the first time only when the...
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February 11, 2019. Do you want to know what is possible to finance with an eco energy loan ?A company explains in detail the various uses of this credit solution. It is well known: the older the houses are, the higher the energy bill. If the windows are poorly insulated, they let in the cold air and the boiler is running at full speed! To reduce consumption and gain comfort, the parade is to perform energy saving work that will improve the performance of housing. A company is proposing an eco-renovation loan at favorable rates for budgets ranging from € 5,000 to € 75,000. You do not know what energy work to consider? Here are the four main types of work possible, all eligible for the Queen of Hearts Energy Saving Loan: insulation Heating Maintaining freshness in case of strong heat Domestic hot water Insulation work Here are some insulation works you could do to improve your comfort: isolate the walls; isolate the roof; isolate low floors; insulate windows and patio doors insulate entrance doors to the outside; install insulation shutters; replace the windows . The work of replacing the heating system The cost of heating depends a lot on the type of energy used. It is possible to save money by replacing the heat production system. You could then opt for one of the following solutions: install a wood boiler; install a heat pump; install solar panels; install a condensing gas boiler; connect to a heat network; change the electric heaters; install a gas micro-CHP boiler. Works to maintain freshness in case of strong heat In summer, the power consumption can fly to cool the house … Here are some ways: install sunscreens on windows; replace the air conditioner; landscaping (planting trees); Use a ceiling fan. Work to produce domestic...