Cash loan without certificates – 7 offers

November 1, 2018 Are you looking for a cash loan offer without certificates? A bank loan usually requires a number of formalities. Is it possible to borrow money at the bank without nerves and unnecessary waste of time? Yes of course! In the cash loan ranking you will find online cash loan offers without certificates. Our experts have checked for you where to apply for a loan and receive quick cash without certificates! Discover 8 attractive loan offers without certificates! 

Cash loan without certificates – do banks grant loans without certificates?

Cash loan without certificates - do banks grant loans without certificates?

Poles live on credit. Research by the Polish Bank Association confirms these words: over half of the respondents in our country have already borrowed money. We currently have over 27.3 million loan agreements for cash loans, loans and other banking products. We try to be responsible, which is why we read the content of contracts, and we base our decisions on financial product rankings, including the cash loan ranking.

We like to borrow quickly and conveniently, without documents and unnecessary formalities. Do banks offer cash loans without certificates? Yes! Quick credit is possible!
Until now, we associated simple loans with online loan offers. Now you can also apply for quick cash without certificates at banks. Which bank can we apply for without a loan certificate? We’ll find out soon!

Cash loan without income certificates – 7 loan offers without certificates!

Cash loan without income certificates - 7 loan offers without certificates!

A cash loan with no income certificates guarantees you will receive money even on the same day. We apply for a loan online, and we can use the cash for any needs.
Where is the easiest way to get a loan without unnecessary formalities? We have prepared 7 loan offers without certificates especially for you! They are ranked in order from highest to lowest loan amount. Already today you can apply for a cash loan without income or employment certificates and borrow exactly as much as we need!

TEXTnow Bank – cash loan without certificates up to PLN 200,000

TEXTnow Bank offers a cash loan without certificates of up to PLN 200,000. The loan period is 10 years. A proof loan does not require an account with this bank. However, the personal account at TEXTnow Bank makes it easier to apply and allows you to apply for additional funds via online banking.
Loan without certificates at TEXTnow banking Services:

  • credit limit without certificates: no limit,
  • income or employment certificate: no certificates,
  • credit insurance: no insurance required,
  • applying for a loan: online, at a branch or online banking,
  • signing of the loan agreement: during a telephone conversation (loan up to PLN 20,000) or by courier,
  • loan disbursement: to a bank account or in cash if a contract is concluded at a bank branch.

OutBank – cash loan without certificates up to PLN 160,000

OutBank requires clients applying for credit to set up an account to which the employer will transfer our remuneration. If we do not have an OutBank account, we must provide a certificate of earnings obtained under an employment contract, mandate contract or a specific task contract. The maximum loan amount without certificates is PLN 160,000 and the longest possible loan period is 8 years.

Loan without certificates at OutBank:

  • credit limit without certificates: no limit,
  • income or employment certificate: no certificates provided that you have a bank account and transfer your pay to them,
  • credit insurance: no insurance required,
  • applying for a loan: up to PLN 60,000 online, we apply for a loan for a higher amount by phone or at a bank branch,
  • signing a loan agreement: with a courier or a bank branch,
  • loan disbursement: to a bank account or in cash if a contract is concluded at a bank branch.

Camori – cash loan without certificates up to PLN 150,000

Camori also offers a loan without certificates! To receive it, all you need is a PIT scan or a 3-month account statement, which is affected by our salary. The loan terms are very favorable: the amount of the bank loan is up to PLN 150,000, and the loan period – 10 years. The money can be used for any purpose, while the credit decision is received within an hour of submitting the application.
Loan without certificates at Camori:

  • credit limit without certificates: no limit,
  • income or employment certificate: PIT scan or 3-month bank statement, which is affected by our remuneration,
  • credit insurance: no insurance required,
  • applying for a loan: by phone or at a bank branch,
  • signing a loan agreement: by phone, by courier or at a bank branch,
  • loan disbursement: to a bank account or in cash if a contract is concluded at a bank branch.

Pancor Bank – cash loan without certificates up to PLN 120,000

Pancor Bank does not require income certificates. All you need is an account statement from the last 3 months! After attaching the necessary documents, we will be able to receive a loan of up to PLN 120,000 and pay it back for up to 8 years. Importantly, PB also offers consolidation loans. Loan without certificates at Pancor Bank:

  • credit limit without certificates: no limit,
  • income or employment certificate: 3-month bank statement, which is affected by our remuneration,
  • credit insurance: no insurance required,
  • applying for a loan: by phone or at a bank branch,
  • signing the loan agreement: at a bank branch,
  • loan disbursement: to a bank account or in cash.

Zest Bank – cash loan without certificates up to PLN 50,000

Zest Bank is another bank that provides loans without certificates. It only requires a bank statement! I offer loans up to PLN 50,000 for a period of 5 years. Do you need more cash? You will receive 550,000 if you confirm your income! Quick Zest Cash for CLICK reduces the amount, but also formalities. You can get money with a low commission and 0% interest rate in 15 minutes!
Loan without certificates at Zest Bank:

  • credit limit without certificates: up to PLN 50,000,
  • income or employment certificate: bank statement,
  • credit insurance: no insurance required,
  • credit application: via the Internet,
  • signing the loan agreement: new customers sign the agreement using a PLN 1 transfer, regular customers accept documents in online banking,
  • loan payment: to a bank account.

Money Bank – cash loan without certificates up to PLN 4,000

At Money Bank we will receive a cash loan without certificates if we provide your employer’s details in the application. To complete the form you will need the NIP number of the company in which we are employed. Providing the necessary information, we will be able to apply for a loan without certificates up to PLN 4,000. We must pay the installments within 5 years. With the income certificate, we have the right to apply for a much higher amount – up to PLN 120,000!

Loan without certificates at Money Bank:

  • credit limit without certificates: up to PLN 4,000,
  • income or employment certificate: details of the employer or business activity (including tax identification number),
  • credit insurance: no insurance required,
  • credit application: via the Internet,
  • signing the loan agreement: via the Internet using an SMS code sent to our mobile number,
  • loan payment: to a bank account.

Puttin bank – cash loan without certificates up to PLN 2,000

Puttin bank offers an attractive loan offer for proof up to PLN 2,000 for a period of 12 months. The great advantage of this loan is the interest rate and commission, which are 0%! With a set of documents and certificates, we can apply for a cash loan of up to PLN 200,000 for 10 years.

Loan without certificates at Puttin bank:

  • credit limit without certificates: up to PLN 2,000,
  • income or employment certificate: no certificates,
  • credit insurance: no insurance required,
  • applying for a loan: by phone or at a bank branch,
  • signing a loan agreement: with a courier or a bank branch,
  • loan disbursement: to a bank account or in cash.

How do I apply for a loan?

The procedure for applying for an ID card without income and employment certificates is very simple. Let’s check the most important elements of the cash loan, which every borrower should pay attention to, and then complete the next steps in applying for additional funds.
The procedure for applying for a cash loan without certificates:

  1. Select the loan amount without certificates and the loan period.
  2. Apply online, in online banking, by phone or at a bank branch. Complete the application by entering basic details from your ID card. Unfortunately, this is not possible! Banks require an ID, which is only an ID card.
  3. Attach the required documents and, if necessary, confirm your identity.
  4. Wait for the application and your credit standing to be verified. She has the main impact on your credit decision!
  5. Wait for the loan to be released if the bank has approved your cash loan without any certification!

How to borrow so you don’t regret it? Before taking a loan, let’s ask ourselves: do we really need this money? If we have plans for a reasonable use of funds, let’s boldly submit an application! Thoughtful financial decisions avoid household budget problems.

Why do banks require an income certificate?

Why do banks require an income certificate?

Creditworthiness is one of the factors that mainly determines the receipt of a loan. Banks do not grant loans lightly. That is why very often (especially in the case of high loan amounts) they require income certificate and employment certificate! The documents are intended to limit credit risk. They increase the customer’s credibility and are an assurance that the customer will pay the installments together with interest included in them on the dates specified in the contract.
The source of income received must be legal and the salary should systematically affect our account. If the bank finds that our expenses do not exceed the amount of our salary and we always have a certain financial surplus, they will be willing to grant us a loan. A bank that requires an income certificate may ask for different forms of confirmation.

Forms of income confirmation

How can banks verify the source and amount of our income?
The most-used forms of income confirmation include:

  • statement of earnings, indicating the average monthly income, form and period of employment. Banks accept not only the employment contract, but also the mandate contract, contract for specific work, income from business activity, farm, pension or retirement pension,
  • PIT tax declaration, which indicates, among others source and amount of revenues. The PIT loan is a great help for borrowers who no longer need to show other certificates,
  • personal account statement, for which we receive monthly income. The bank wants to trace the history of inflows and assess how money is managed.

However, as it turns out, not every bank will require such documents from us. We’ve learned 7 attractive loan offers without certificates, which you should apply for if you want a simplified loan procedure! Apply for a loan and enjoy cash without presenting any documents.

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