People who have entered the various registers of borrowers are growing, and so is the demand for loans that can also be obtained with a registry entry. Of course, the choice of such loans is limited – they will not lend you to any bank, and some non-bank companies may refuse you somewhere. On the other hand, you can still get an interesting loan, especially if you only need a small amount.
The non-banking sector offers a lot of loans without checking the registry
There is enormous competition among non-bank loans, and credit companies offering these loans are constantly coming up with something new. Most non-bank loans focus heavily on risky clients, including, among others, those with a debtor register. There are plenty of ways to get a loan, but it is necessary to choose carefully and not immediately after the first one that comes under your hand – both because there are large differences in interest and fees between non-bank loans but also because in many cases it may be a scam.
The most affordable are quick SMS loans
The easiest way to get small short-term loans, which are sometimes referred to as SMS loans, respectively. As a rule, these are fast loans of up to CZK 20,000, usually the maximum is limited to a few thousand for new customers. The maturity period is usually one month, but you can find a few providers who lend for longer. The ideal are SMS loans, which are free for the first time – just return the money in time and pay no interest or fee. Popular loans in this category include, for example, Loan Loan, Japanese Loan, or Ninja Loan.
Another option is some cash loans
Some non-bank loans can also be obtained in cash without having to have a bank account, with a longer maturity and a higher credit line. The best known are Provident Financial or Smart Loans. The repayment is typical for both loans, when you always hand over the money to a sales representative who always comes to them at the agreed time.
The registry entry is not a problem with collateral loans
You can get a lot of money without any problems if you have a property that you are willing to guarantee. In this case, it does not matter that you have a registry entry and usually do not have to prove your income. Real estate loans are offered by a number of providers, such as Acema Credit or HK Investment.
A registry-free loan can easily be handled over the Internet
The vast majority of unregistered loans can be arranged very comfortably through websites without having to pull your heels out of the house. The easiest way is logically for the smallest loans, but even high loans can be handled from the comfort of home. Both bank and non-bank institutions offer the possibility of negotiating an online loan;
Fees in advance are not charged by reputable providers
If your lender would like you to pay a high fee in advance first, give your hand away from this offer. It is very likely that this can be a scam and you will not get a loan or refund your money. Unfortunately, such cases are still a lot and most of them are desperate people who have high debts, low or zero income, or have a registry entry.
Pay attention to calls to lines with increased tariffs
You should also pay attention to loan offers where a phone call is required to get them. Often these are special lines, where a minute of talk costs up to 90 CZK and the operator keeps extending the call. The result is that you call up to thousands of crowns and you will not give any loans anyway. All reputable loans can be arranged over the Internet or in person;
If you check the loan on the Internet, you can be calm
To make sure that you do not become a victim of fraud, check the loan thoroughly on the Internet. The easiest way to do this is to choose a suitable loan using independent loan comparators, including the site you’re on.