Payday Loans With Bad Credit Online -Libroalibro.Org / Wed, 14 Aug 2019 03:34:27 +0000 en-US hourly 1 https://wordpress.org/?v=5.5.3 Payday loans for students /payday-loans-for-students/ /payday-loans-for-students/#respond Wed, 14 Aug 2019 03:34:27 +0000 http://www.libroalibro.org/payday-loans-for-students/

Student expenses

Student expenses

Renting an apartment plus a deposit (usually in the amount of monthly rent) or a dormitory fee, plus a monthly ticket for public transport or, if we have a car, expenses for fuel and the purchase of books, textbooks and other teaching aids. Let’s not forget about food, travel home and entertainment, i.e. going to the cinema, theater, concerts and other events. After counting all expenses, you can see that student life is not as cheap as it may seem. Unfortunately, not always a young person can count on a scholarship or financial support of parents high enough to cover most of their obligations. Taking up a job can also be difficult, especially when studying full-time. A cash loan in a bank (apart from a student loan, which is also subject to many requirements) is also not available, due to the lack of a stable source of income (the scholarship is not treated as remuneration). In this situation, non-bank payday loans are one of the solutions.

Lack of stable income is not an obstacle

Lack of stable income is not an obstacle

In the case of an online loan, usually you only need an ID card, mobile phone and bank account, from which you need to make a verification transfer (PLN 0.01 or PLN 1.00). The student can also choose the option of confirming the data through a Facebook account (most often when registering and completing the application you need to log in to your profile). The student will not use Strong Loan services, because this company requires a stable income of at least PLN 500 per month. An income certificate or bank statement is not required, but loan companies can ask for these documents if they are in doubt as to the degree of risk of liability to the student. Zengga reserves this right.

Free loan for 18 years

Free loan for 18 years

As a new customer, the student has a chance to get a loan for free, but must remember to pay it back within a maximum of 30 days. People just starting their studies, i.e. 18 years old, can choose an offer, among others Zengga.com (first commitment up to PLN 750), ViaTEXT (first loan up to PLN 800 free), Fast Cash (loan from PLN 100 to 3000, free loan up to PLN 300) or Strong Loan (first loan up to PLN 700).

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Get cash for the purchase of a car with a repurchase of credit /get-cash-for-the-purchase-of-a-car-with-a-repurchase-of-credit/ /get-cash-for-the-purchase-of-a-car-with-a-repurchase-of-credit/#respond Sun, 28 Jul 2019 09:01:24 +0000 http://www.libroalibro.org/get-cash-for-the-purchase-of-a-car-with-a-repurchase-of-credit/

 

The purchase of credit is a solution that allows to rethink the management of the budget. Obtaining a cash envelope is possible provided that the lender’s receivability standards are met. A critique at artlini.net

How to get the a car, when the auto credit is denied to you because of too much debt?

Credit redemption: booster shot!

Credit redemption: booster shot!

The repurchase of credit is a Jarndyce familyment that offers the opportunity to restructure a set of debts and credits. It is simply a new credit that replaces current debts. In other words, it is question of getting a new loan with new conditions.

The budgetary and financial situation of the subscriber (s) of a loan consolidation contract undergoes a more or less profound change after the restructuring operation. A loan buyback increases the household’s monthly purchasing power and reduces its debt ratio.

A debt restructuring also makes it possible to include in the plan a cash envelope dedicated to the purchase of an expenditure allocated to a specific property.

Cash purchase with cash

Cash purchase with cash

Redeeming credit to obtain a cash envelope is quite possible. This is the opportunity to include in a single monthly payment the one or more projects.

A single monthly payment covering all loans in repayment, but also the cost of your new projects your car through the repurchase of credit.

This simply avoids subscribing to an auto loan whose monthly payment will add to the maturity of loans being depreciated, and which adds to the household debt. Much more than a simple debt restructuring, credit restructuring is a solution that allows you to rethink budget management.

Your new or used vehicle, and amortize the cost of borrowed money over a period tailored to your repayment ability. The maximum cash envelope that can be released during a loan consolidation for the purchase of a car is € 45,000.

Takeover of loans: an opportunity to renegotiate your car loan!

Loan buyback is an opportunity to renegotiate the outstanding principal of one’s auto loan. Depending on the type of transaction: surrender of unsecured loans or mortgage purchase, the interest rate can be reduced by 60%.

A new financial wind to save again

A new financial wind to save again

Ongoing debt restructuring is also an effective way to get off to a good start in terms of the budget. The main goal is to achieve a level of expenses in line with the household income, about 33%.

In this logic, the rest of the household is improved. This is the perfect opportunity to set up a regular savings effort. To build a security nest egg is to anticipate any need for liquidity in the future. It is also to give oneself the means to carry out projects of life (car purchase, works, holidays).

It should be noted that recurrences in the redemption of credits are twice as large when no savings have been planned.

Defiscalize after a purchase of credits

Defiscalize after a purchase of credits

For households whose tax pressure is high, a tax exemption investment is an opportunity not to be missed. For the benefit of this, the provision of debt capacity is a prerequisite. When this is not the case, it may be necessary to consolidate its loans upstream.

The improvement of the rest of the domestic budget will then be used as part of a real estate loan for tax exemption. Especially since this real estate investment will have the advantage of also allowing to reduce the fixed expenses of the family.

Indeed, investing in tax exemption is synonymous with reducing taxes payable for several years.

 

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Remember to take care of these financial issues! /remember-to-take-care-of-these-financial-issues/ /remember-to-take-care-of-these-financial-issues/#respond Fri, 26 Jul 2019 03:23:05 +0000 http://www.libroalibro.org/remember-to-take-care-of-these-financial-issues/

The summer is well on its way, and many college students have come or are about to graduate. An exciting job and financial stability in the freshman’s dream after many years of stuffing with pasta and tuna.

To ensure a smooth transition from student life to working adult life, we have compiled a list of personal finance issues that should be addressed when it’s time to press the school’s back door for the last time.

Student loan credits?

Student loan credits?

Find out if you can qualify for a student loan reduction or student loan credit. A student loan reduction means the ability to pay less tax on a student loan repayment.

The student loan means that Kela pays part of the student loan. However, in order to be eligible for benefits, studies must be completed within the deadline. Both benefits are really worth the money, so you should take advantage of them if you are entitled to them.

Saving in a buffer fund

Saving in a buffer fund

As pessimistic as it sounds, you should start saving for a bad day in a so-called buffer fund. Anything can happen in life, and no one has reportedly yet regretted saving. Saving an emergency fund can motivate themselves, for example by setting small intermediate goals: If your goal is to save even a few hundred euros at a time, do not seem as impossible as if the goal would be to save an amount equal to half of the expenditure. The saying “penny is the beginning of a million” applies here too.

Start budgeting

Start budgeting

It is sometimes said that regardless of income, expenditure is always 110% of income. Although the expression is a bit exaggerated, it is not quite caught in the wind. Turning a student’s income into a full-time employee’s income easily makes money feel like junk, and vanity easily wastes more than it makes sense.

Of course, income increases, the standard of living wants to be improved, and that is quite permissible, but here too, there is merit. If you didn’t start tracking your own income and expenses during your studies, for example using an Excel budget or a mobile app, now is the time to start. Tracking your budget helps you figure out where the money is really going, reduce wasted time and make it easier to control your spending.

Remember to bid

Remember to bid

Whether it’s an electricity contract, an internet connection, or insurance, you always have to bid for it. Banking services should also be competitive at this point in their lives. A bank account as a child may no longer be the most suitable or financially viable option.

In monetary matters, comparing credit cards is also worthwhile. A student credit card acquired during your studies is usually a basic credit card without any additional benefits. However, when you are working, you may be able to get a credit card with many useful features. The most common extra benefits included credit cards include travel insurance, flight points, and purchasing and product safety.

Also, borrowing usually comes to some point after your studies, usually in the form of a car or home loan, for example. Unlike student loans, there are huge differences in the cost of other loans, which is why you should always compare and compete before making a loan decision.

Learn to invest

Sometimes grandparents’ youth may have been a good idea to lay down bank savings and expect them to start increasing interest rates, but today, unfortunately, this strategy is not the most viable option.

Investing may sound daunting and overwhelming at first, but for the sake of your own future, everyone should look into the fundamentals of investing. Getting started with investing learning can be accomplished, for example, by reading beginner investment guides. Once you have started investing, mobile apps can also help with investment management.

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Best credit cards – ranking /best-credit-cards-ranking/ /best-credit-cards-ranking/#respond Sun, 30 Jun 2019 03:28:23 +0000 http://www.libroalibro.org/best-credit-cards-ranking/

Poles are increasingly reaching for credit cards and there is no wonder here – it is a convenient and very beneficial solution for many. First of all, it is one of the few options to receive a free loan (of course, if we repay the debt before the end of the interest-free period). Secondly, it is a tool that allows you to build a positive credit history – if the bank sees that we pay off small liabilities on time, it is more willing to lend us a larger sum. Third, it is the source of many promotions, rebates and bonuses – banks like to reward loyal customers.

Sounds good? So that this initial delight is not interrupted by information from the bank that interest has accrued to us and the fee has been charged for using the card, we must choose the best product for ourselves. How to do it? We will explain below. However, if you want to know the results of our ranking immediately, go lower.

What to look for when choosing a card?

What to look for when choosing a card?

When reaching for a credit card, you must first pay attention to its basic parameters:

  • card issuance fee,
  • an annual fee for using the card,
  • interest-free period,
  • credit limit,
  • the possibility of splitting the debt into installments.

However, these parameters will not tell us much if we do not compare them with our needs. For the purposes of the ranking, we assumed that we are looking for the best credit card for a client whose monthly income under the employment contract amounts to PLN 5,500 net. What’s more, he needs two cards: for himself and for his other half. We also agree that each of these people will make monthly non-cash transactions with a card worth PLN 350.

Due to the fact that two cards will be used, looking for the best offer, we also checked how much it will cost:

  • issuing an additional card,
  • annual fee for using the additional card.

Every now and then banks offer card holders numerous bonuses, which we also took into account. We checked the special offer for new customers and discount programs. After all, if we have three equally good offers ahead of us, why not choose the one with the best additions. Thanks to this, you can combine useful and pleasant!

Each card could receive a total of 18.5 points. The detailed scoring can be checked by clicking on the banner below.

After browsing through many websites and regulations and comparing the offers, it turned out that the uncontested winner is the Citi Simplicity Good Finance card (15 points). Our distinction was also disserved by the World MasterCard of Bank Zachodni WBK (14.5 points), Comfortable Visa Raiffeisen Polbank (13.5 points) and Visa Credit Card by ING Bank Śląski (13.5 points).

AND PLACE

AND PLACE

If our customers reach for a Citi Simplicity Good Finance credit card, they will not pay anything for issuing the main and additional credit cards and for their use. They will be able to benefit from a long interest-free period – up to 56 days, and the interest rate on non-cash transactions will be 10 percent. What’s more, the bank will inform them by free SMS about transactions made, debt limit and reminders about the lack of repayment. Rebate programs will also be added to the card:

  • Citi Discounts, under which they will receive up to 50 percent discounts over 5,000 service and commercial points in Poland,
  • Citi World Privileges, under which they will receive discounts for selected restaurants, shops and SPAs around the world.

What’s more, new bank customers who have not used a Good Finance credit card since January 1, 2015 have a chance to receive a real entrance bonus – a voucher for PLN 400 to Douglas perfumery! The promotion is valid until June 30, 2017. To use it, all you have to do is meet some simple conditions.

II PLACE

II PLACE

  • make 5 transactions in the first year within 3 months of the card issuing by the bank; if they do not comply with this condition, they will pay up to PLN 125 for the main card;
  • from the second year they will have to make 5 transactions a month; if they do not comply with this condition, they will pay 10 PLN per month for the main card.

The interest-free period will be shorter than at the winner’s – our clients will have 54 days for interest-free repayment. Interest on non-cash transactions, like the winner, will be 10 percent. A rebate program will also be added to the card. Users will be able to join the Priceless Specials program: for each online shopping and shopping in stationary stores that are program partners, they will receive points paid for with the World MasterCard and these will be easily exchanged for rewards. What’s more, every new customer who opens an account and submits an application for a credit card will receive PLN 200 as part of the “PLN 200 Good Morning” promotion.

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Trued Credit – installment loan reviews and reviews. /trued-credit-installment-loan-reviews-and-reviews/ /trued-credit-installment-loan-reviews-and-reviews/#respond Tue, 18 Jun 2019 03:13:04 +0000 http://www.libroalibro.org/trued-credit-installment-loan-reviews-and-reviews/

Trued Credit provides quality financial services that are primarily intended for people who want to get cash in a simple and fast way. On the lender’s website, you’ll find installment loans. The first loan can be taken in the amount from PLN 1100 to PLN 1500. The second each subsequent up to PLN 2,000. To receive a financial commitment at Trued Credit, you must submit an application and wait a few moments for money!

 

The loan application from Trued Credit has been kept to a minimum

The loan application from Trued Credit has been kept to a minimum

Obtaining a loan from Trued Credit is very simple, you only need to complete the application, the whole process takes only a few minutes. Then you need to make a verification transfer of one penny to the lender’s bank account.

A loan application limited to a minimum is a big advantage of this loan company, which will be appreciated by borrowers who like undemanding and quick solutions.

Pay off the loan in six months

Pay off the loan in six months

The process of paying back a monetary liability to Trued Credit is as simple as the loan application procedure. You only have to pay back six installments. The sum of each will be agreed in advance with the lender.

That’s all! At this point it is also worth emphasizing that a Trued Credit loan is much easier to obtain than a cash loan at a bank.

 

Loan in Trued Credit. What conditions must be met to get it?

Loan in Trued Credit. What conditions must be met to get it?

On Trued Credit.pl, the maximum amount of the first loan is PLN 1,500, the minimum amount is PLN 1,100. If, after paying off the first commitment, we decide on the second one, then we will be able to apply for up to PLN 2,000 (this amount also applies to each subsequent loan at this loan company).
It is worth noting that Trued Credit does not require a purpose to which we want to use the borrowed money. Loan repayment can take up to 6 months, it is worth remembering.

How do you get a loan from Trued Credit?

How do you get a loan from Trued Credit?

To get a loan from Trued Credit, simply:

  • you choose the loan amount using the slider on Trued Credit.pl
  • you will complete a simple loan application
  • you will make a verification transfer of one penny

First, we go to the lender’s website, Trued Credit.pl, and use the special slider to choose the loan amount we are interested in from PLN 1100 to PLN 1500. The repayment period of 6 months is fixed and we cannot regulate it. Then, we complete the simple loan application, but remember to do it correctly, because incorrect details on the loan form may prevent you from getting extra money. When we believe that the form is completed correctly, we send it to the lender and wait for his decision to grant a financial commitment.

Check our offer!

Sample cost of a loan at Trued Credit

Sample cost of a loan at Trued Credit

For example, when we decide to take a loan from Trued Credit for the amount of PLN 1,300 for a repayment period of six months, its actual interest rate (APRC) will be 283%, monthly installment PLN 314, interest on the loan amount PLN 584, and a preparation fee ( one-time) PLN 0.01. The total cost of such a loan is PLN 1884.

 

 

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Good Finance credit – cash, mortgage, car /good-finance-credit-cash-mortgage-car/ /good-finance-credit-cash-mortgage-car/#respond Mon, 03 Jun 2019 03:49:14 +0000 http://www.libroalibro.org/good-finance-credit-cash-mortgage-car/ Good Finance Consumer Bank has been on the Polish market since 2006. The bank had previously operated under the banner of the Polish Financial Society. Today, customers may have trouble with this brand – there are two institutions with this name in Poland. Good Finance Consumer Bank and Good Finance Bank Polska (formerly BZ WBK). Today we are scanning the offer of the former, based in Wrocław.

Good Finance – The Loan You Want

Good Finance - The Loan You Want

Good Finance Consumer Bank is one of the leaders in the consumer finance market in our country. Its offer includes many credit products that allow them to be tailored to the individual needs and financial capabilities of clients. Good Finance’s business loans offer addressed to dealers and car dealerships is unique. Both individual and institutional clients benefit from loans at Good Finance.

Good Finance Consumer Bank loans are primarily:

  • cash loans,
  • consolidation loans,
  • credit cards,
  • car loans,
  • installment purchases.

Good Finance Consumer Bank no longer offers a standard mortgage, but it can offer customers who have taken a housing loan in the past to change the terms of the contract while paying the loan.

Good Finance – a loan for the purchase of goods and services

Good Finance - A Loan For The Purchase Of Goods And Services

One of the items offered by Good Finance Consumer Bank loans is a loan for the purchase of goods and services. The Good Finance bank loan includes:

  • installments in a traditional store,
  • installments in the online store.

You can find Good Finance installment loans in a stationary store over 35,000 points throughout the country. Is it worth using an installment loan?

  • You can buy selected goods or services right away, without putting down money or waiting for an opportunity.
  • You can spend your savings on another purpose.
  • You can choose more expensive and better goods here and now.

APRC (Annual Actual Interest Rate) of the installment loan granted by Good Finance Consumer Bank in a stationary store is 11.69 percent. The customer can set the installments by taking a Good Finance Consumer Bank loan. The loan period is up to 50 months.

A loan is also available for the purchase of goods and services in online stores. This is Good Finance online loan, available in over 3000 online stores. The loan period is up to 50 months, and the contract can be signed with the bank without leaving your home.

An Good Finance Consumer Bank loan in an online store, i.e. e-installments for goods and services, can be obtained in over 3,000 online stores and online auctions. APRC is 15.54 percent.

Good Finance credit card

Good Finance credit card

Good Finance Consumer Bank also grants its customers credit in the form of a credit card, granted after positive assessment of creditworthiness and delivery of the required documents. The bank’s offer includes cards:

  • Visa Comfort card – APRC is 24.65 percent, the card agreement can be concluded online or in a branch where you can immediately get a card; the asset of the offer is the low monthly fees for card services;
  • Visa Comfort Plus – APRC card is 31.96 percent, the card gives you the option of using additional money, the contract is signed online or at a branch, and the interest period is up to 54 days; the fees charged for using the card are low;
  • Visa TurboKARTA – APRC is 14.99 percent, the contract can be signed without leaving your home or branch, if certain conditions are met, such a Good Finance loan will be free and the card will be free; it is possible to refund 3% for fuel and 1% for other purchases up to PLN 30 per month;
  • Visa Media Markt – APRC card is 12.26 percent, the card is available in Media Markt stores, buys, and repayments in installments do not require signing further contracts; the card is also available for free;
  • Visa Castorama – APRC card is 13.33 percent, possibility of using installments without interest, agreement concluded in Castorama stores; interest on the loan is not accrued up to three or six months; it is possible to use the card for free.
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Changes in consumer credit payments /changes-in-consumer-credit-payments/ /changes-in-consumer-credit-payments/#respond Wed, 29 May 2019 03:13:57 +0000 http://www.libroalibro.org/changes-in-consumer-credit-payments/

The Finnish Competition and Consumer Authority has just made a decision that could affect the lives of thousands and thousands of Finns.

New terms and conditions for consumer credit

New terms and conditions for consumer credit

The terms of consumer credit are changing. In its decision, the CCA (ie the Consumer and Competition Authority) stated that banks cannot charge fees and commissions on consumer credit “for reasons of cost increase or for other legitimate reasons”, as many of them have done so far.

If you have read the credit terms carefully (as you always would!), You may have found that term in your consumer credit agreement.

What exactly was the problem with the standard terms?

What exactly was the problem with the standard terms?

This has been the so-called standard cooperation that many banks operating in Finland have done in the Federation of Finnish Financial Services in order to establish common general conditions for consumer credit. One of these so-called “model terms” has been the condition that allows the bank to increase its consumer credit fees and charges due to higher costs or other legitimate reasons.

According to Good Lender, such general conditions are unacceptable as they reduce competition and restrict the consumer’s freedom of choice. Each bank should decide independently on the content of its loan terms. According to Good Lender, this condition has been transferred to the consumer the business risk inherent in, Good Finance, higher price levels and increased costs.

New terms for loans

New terms for loans

As a result of the SME decision, the banks have committed to dismantle the system and replace the model terms with new terms. The new condition restrictions the right of banks to change the fees and charges of existing consumer credit agreements, as the new condition only allows changes in fees and charges:

  1. A government decision or order
  2. For reasons of legislative change

In addition, the increases cannot exceed the costs actually incurred by the banks.

These new terms will enter into force on existing consumer credit agreements as well as on new consumer credit agreements over the next three years.

Want to find the best loan for yourself? You can easily compare Consumer Loans in our Consumer Credit Comparison:

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