Chwilówki are instant loans, which are provided by so-called parabanks. Currently, such companies can be found in virtually every city. They are very popular, among others, because the formalities to be completed when taking payday loans are kept to a minimum. Therefore, the question arises as to what documents are needed to make you think about borrowing money from a parabank.
While the ID card is a document that is always required, only the selected lender requires a certificate of employment and income. In the vast majority of cases, people borrowing money from a parabank do not need to provide any other documents than an ID card. This significantly shortens the procedure of applying for a loan, and at the same time makes it available to people employed in black.
A significant proportion of people who want to take advantage of the parabank offer are looking for a loan, which only requires an ID card. As it turns out, among the so-called parabanks there is no shortage of companies that actually lend money only on proof. This document confirms personal data and citizenship, i.e. information without which it is not possible to grant a loan. It is worth adding that currently more and more companies allow the possibility of granting loans via a global computer network. In this case, the borrower does not even have to appear in the branch of the company to provide ID. Its scan can be sent electronically.
Some loan companies expect the client to provide a bank statement for the last few months. This statement is an alternative to your earnings certificate. The statement confirms that we receive regular payments to the account. It also shows how much we spend per month.
What Better Donation Or Loan?
In the absence of an identity card – whether due to loss or waiting for a new one – unfortunately we will not take out payday loans. Parabanks accept only an ID card as an identity document. With only a driving license, we will not be able to prove that we are us. Moreover, it must be remembered that the ID card must be a valid document. So if it has expired, we can forget about the overnight payday.
Many people ask why an ID is needed to receive payday loans. It must be clearly stated that the loan agreement must contain data such as the number and series of the ID card. Only then is the contract that has been signed a valid contract. Meanwhile, on other documents – be it on the driving license or passport – in vain to look for information on the number and series of ID cards. Therefore, the lack of an ID card makes it impossible to receive payday loans.
Chwilówki are quick loans, whose popularity is currently really huge. This results, among others, from a very shortened, simplified loan procedure. A lot of people ask the question whether it is possible to receive a payday loan by presenting as an identity document not an identity card, but a driving license.
Identity cards are required by payday loans companies
Not only because of the number and series that must be included in the loan agreement, but also because it is a document confirming the age of the person applying for the loan. It should be emphasized that payday loans are only granted to those who have reached the age of majority. So if we do not provide an ID card, payday pay will not be granted to us despite the best intentions of the lender. Therefore, everyone who wants to borrow money must have an ID card.
If we decide on a bank loan, we can be sure that the earnings certificate will be among the required documents. In the case of payday loans, which are given by parabanks, it is not so certain. The vast majority of loan companies do not expect their clients to present an income certificate. This is a fantastic solution because it allows you to take out a loan to those who are employed illegally or have a junk contract and are not able to document all their income. No need to provide such a certificate is also a huge time saver.
The vast majority of lenders do not require any evidence of income. The only document that is necessary to grant a payday payment is an ID card. However, very often the application for granting the payday pay includes questions related to monthly revenues. When completing such an application, you should carefully consider all sources of income that occur in our case. It is not only about the remuneration for work, but also the profit obtained from renting an apartment or maintenance received monthly. However, do not include information that is not true. It should be remembered that we have to return the money lent to us within the time limit specified in the contract. If the amount we intend to borrow seems too high, we have to take into account that the parabank may expect to document its income. However, it is often enough to provide an account statement.
Payday loans are a good solution for all those who need cash and who do not have the chance that the bank will grant them a loan. Chwilówki are associated – and this is the right association – with an instant credit decision and formalities limited to a minimum. However, a lot of people ask the question of what loan companies are able to accept when it comes to the income of a potential customer.