A customer who took out a loan from a loan company operating outside the banking sector, at the same time concluded a contract with her, the terms of which he must comply. One of the most important of these is the need to return the loan amount together with all accrued fees within the prescribed period. It should be remembered that it is not important for the lender when the transfer will be made by the customer, but when the payment will be credited to the loan company’s account.
If this date does not match the date indicated in the contract as the date of repayment of the loan with interest, the borrower must take into account that he will be charged a penalty fee with interest. Charges of this type are charged for each day of delay in repayment of the loan commitment. Therefore, even a week late, which is relatively not so long, can generate very high costs for the borrower.
A non-bank loan can usually be repaid remotely by simply making a transfer from the customer’s account to the account specified in the loan agreement belonging to the non-bank company. You can also pay by postal order, although you need to know that we will have to pay a commission at the post office and the transfer will not come right away on the same day. Therefore, you need to maintain a safety margin and pay off the loan in advance, before the required repayment date. Then we will be sure that the lender will not charge us penalties for being late with paying the debt.
If we know that we will not be able to repay the loan within the previously set deadline, for example due to the occurrence of some unforeseen expenses, we may apply for an extension of the repayment period. Most loan companies operating on the Polish financial market take this into account, but the condition for extending the loan repayment will be the payment. The loan can also be repaid earlier than indicated in the contract, even without additional costs.
Loan services provide quick loans, so-called payday loans, without the need for a personal meeting with the client. You can be concerned that our personal data will be used by fraudsters to extort payday data on our data. Fortunately, loan companies use proven methods to verify the identity of clients, which minimizes the risk of such a situation.
The verification of the identity of the customer applying for a non-bank loan is usually carried out via verification transfers. It consists in the fact that a customer registering as a user on a given loan service is asked to make a verification transfer for a symbolic amount – PLN 1 or 1 grosz to the lender’s bank account indicated on the website. The transfer should be made from the client’s personal account registered on the data of the applicant for the loan. If, after posting the amount of the verification transfer, the loan company finds that the customer’s data match those of the transfer sender, the loan application may be considered in accordance with the lender’s loan policy.
Another way to authorize the customer’s identity is to confirm his registration on the loan service via a short text message sent to the mobile phone number or email address. This, however, creates some danger that the scammer will provide his telephone number and email address, but also the personal details of another person. Therefore, such verification is less and less frequent. More often, however, the lender calls the client to check and confirm his personal data.
In addition, many loan companies need to sign a paper loan agreement. A contract is sent to the customer’s address prior to the loan being paid out. It must be signed in the presence of the courier, after the person is identified by means of his / her ID card.
A scan of your ID card sent by email to the lender’s address is also a way to confirm the identity of the customer applying for the loan.