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Do you want to get a payday loan right away? Now, this is really no problem when we decide on a payday loan that does not require a proof of earnings. Currently, you can get it both in banks and non-bank payday loan companies. What is worth knowing about such an offer?

Today, we can take payday loans more and more conveniently. We do not even have to leave the house to a bank or a non-banking company to submit an application – we can do it online. Easy availability of payday loans is a big plus, but it does not mean that each of us can get money without any formalities.

Payday loans without earnings certificates – how much can we borrow?

We can apply for a payday loan without a salary certificate in banks and non-bank companies. Each lender has certain conditions that must be met in order to be able to borrow the necessary money.

payday loans without earnings certificates are cash payday loans, which is why we can spend the funds for any purpose. These are installment payday loans that we take out for a selected period of several to several months. The shorter the payday loan period, the higher the installment with the same payday loan sum.

Most often, a payday loan without earnings certificates is from PLN 100 to PLN 10,000. However, we can get a larger amount if we take it in the bank where we have a bank account. This is due to the fact that in the case of regular customers, the bank has access to information about their inflows and expenses from the bank account. In this way, he can analyze our creditworthiness.

In other cases, i.e. with payday loans in banks where we do not have an account, and in non-bank companies, the amount is limited, as the lender does not know exactly what the client’s financial situation is.

Can you get a payday loan without a job without earnings?

However, it is worth remembering that the fact that a payday loan is without earnings certificates does not mean that we can receive it when we do not have a job. The lenders prefer clients who earn income on the basis of an employment contract for an indefinite period. We can also get a payday loan when working on a contract, for a job, as a pensioner. A permanent source of income counts.

When writing a payday loan application without a statement of earnings, we must enter in it information about income and expenses (rent, bills, other installments, alimony and other). We also determine the source of our income. In the case of work on a contract of employment or civil law contracts for one employer, we must also enter its data – the lender then has the right to contact the lender to confirm the data entered by us.

Important credit history

Let’s also not forget that a payday loan without earnings certificates will also require us to have a positive credit history at – Credit Information Bureau.

Once we have paid off our liabilities on time, our ability will be positive and allow us to get a payday loan more easily. However, if in the past we have had a longer delay in repaying the installments or if we have failed to repay any payday loan or payday loan, the bank or the non-bank company may refuse us.