The Internet network does not lack numerous loan offers, so-called payday loans, as well as loans with a longer period of cash back, in companies. loan. Before making such a commitment, the client should check if he is dealing with a honest and reliable lender.
Data of the lender
A loan institution that explicitly grants cash loans in accordance with applicable law, will not hide its data from potential customers. On her website, we should easily find her address, NIP, REGON and KRS numbers. If this data is hidden, this is the first signal for the customer that he may have to deal with the scam. A loan institution may only operate in the form of a limited liability company or a joint-stock company.
A reliable loan company does not shy away from answering customer questions, which can be done in the FAQ or Frequently Asked Questions and Answers section. It leaves users the opportunity to ask questions online – on a chat or via the contact form. It must also disclose an information form regarding a representative example of the loan it provides. The consumer has the right to receive, upon request, a free draft consumer credit agreement if, in the opinion of the creditor or credit intermediary, he meets the conditions to grant him a consumer loan.
How do you scan a loan institution?
The first step to check the loan company in which we want to take out a loan is to check her activity in the Financial Supervision Commission.
On the website. you can find a list of KNF warnings against companies that are suspected of criminal activity. It’s good if the loan company we want to borrow in has, among other things, Certificate of the company credible financially.
Opinions of other customers
The reputation of the loan company is built by its existing clients – satisfied with its services. Their opinions can be taken from the internet, from thematic forums and discussion groups, but also to ask your friends or family members about a particular company. If a given lender has existed for a long time, we can easily find someone who has some experience with him and will be able to say anything about him.
It is worth taking a moment to check the institution, thanks to this we will be able to conclude a loan agreement only with a reliable entity, and the loan will be adapted to our needs.