Nowadays speed of making any decisions is very important. No one will stand in queue for a product or service if the same product or service is available absolutely on other terms. Yes, microfinance organizations propose to issue consumer credit without income statement, which makes banks less popular among the population.
After all, if you need the money for a serious purchase that is planned for several months, you can collect documents, find people ready to act as guarantors, and even outpost. But consumer loans without income statement and other documents that need to be collected, much more convenient in normal situations. When the salary was withheld, broke the refrigerator, prescribed expensive medicine. Even people who make good money, face the like. At these moments, you want the issue resolved on the same day. And now you can take a consumer loan without further information! It saves a lot of time
effort and nerves. Moreover, the thick folder of documents for the bank is absolutely not ensures that you get a positive answer.
How to draw up a consumer loan without queues and bureaucracy
Microfinance organizations offer consumer loans without help. They differ from banks with more loyal conditions and speed of adoption solutions. You can apply for a loan online simply by filling out a form and attaching scans of passports and IDNs. The decision is also made online, money automatically come to your card.
Since consumer loans are issued without certificates, the micro finance company cannot be sure of yours solvency and reliability. Your credit history is also not verified. Therefore, there is another condition that distinguishes such organizations from banking institutions. Percentage the rate is a little higher and you need to be prepared for it. Use in advance a credit calculator to calculate your payment. It is also important to choose a company with an adequate interest rate, then your consumer credit will be valid profitable! And, of course, it is important to pay off debt on time, to avoid fines and commissions.