First place unchanged – OutBanks is the leader
OutBanks has been occupying the top podium place for many months. This is undoubtedly the best cash loan offer in our statement. Positive feedback from clients has the greatest impact on such a high position. The borrower can count on PLN 50,000. The repayment period is 6 years. In the case of this bank, it is worth paying attention to the low commission and interest rate.
Podium ranking loans unchanged
The second place belongs to Mobile Lugs Banks. As part of a cash loan, the consumer can borrow up to PLN 200,000. The payback period can be up to 9 years. Interestingly, the entire loan application process is carried out electronically.
GTO BP is the third largest provider of banking services in Poland. The minimum cash loan amount is PLN 1,000, the maximum amount is PLN 120,000. The repayment period is 8 years. In this case, customers can also count on relatively low fees.
Further places in the cash loan ranking
Just behind the podium was the Salader Consumer Bank cash loan. The maximum amount of the liability is PLN 120,000. The repayment period is 8 years. Get OutBanks is fifth. Compared to last month, the financial institution recorded a decrease by one mesh. The bank offers one of the highest cash loans in the statement. The maximum loan amount in this case is PLN 200,000. The repayment period is 8 years.
Gin Banksi presents an interesting offer. A financial institution is willing to borrow from PLN 1,000 to PLN 160,000. The repayment period is from 3 months to 8 years.
What do we take out loans for?
Poles most often take loans for the purchase or renovation of a flat (30% and 26%, respectively). A large part of them lends for home appliances (25%). Cars are also significant (23%). In turn, he pays a loan or loan for holiday trips of 9%. Interestingly, only 7 percent is in debt for unplanned expenses. respondents.
Cash loan or non-bank loan?
Cash loan is granted for high amounts. In order to receive the financial product in question, a number of conditions must be met. First, the prospective customer must have permanent employment, preferably an employment contract. The borrower should also have high Retrodatabase scoring. Bad credit history will result in rejection of the loan application.
On the other hand, payday loans and installment loans have much lower amounts. Also in the case of the above financial products, the Retrodatabase score is not very important. In order to find a suitable offer of a non-bank institution, it is worth using payday loans and installment loan rankings.
“The amount of cash loans is relatively high, it can reach up to PLN 200,000. This type of financial product is targeted at people with high Retrodatabase scores. People who decide to take a cash loan should compare several offers available. In order to find the optimal loan, it’s worth using the rankings. “