You are thinking about taking out an online loan and you do not have a bank account? Nothing is lost. Some lending companies offer other methods of cash withdrawal for such cases. You can get a loan by hand using a GIRO check or via courier.
Loan agreement – see what you sign
The loan agreement is an inherent and therefore the most important element in the borrowing process. It is on its basis that you can claim any claims. The contract contains all necessary information about the transaction. What is worth emphasizing is that signing the contract is tantamount to consenting to meet the conditions set out in it. That is why it is so important to read the content carefully before submitting the signature.
The most important elements of the contract are:
- Definition of the parties to the contract, i.e. the lender and the borrower
- Description of the subject of the contract
- Duration of the contract
- Loan costs
- Signatures of both parties
In addition, there is a way of transferring cash by the loan company and the date and rules of returning the loan. The vast majority of loan companies offer transfer of the amount borrowed directly to the customer’s account. However, it happens that the borrower does not have its own bank account. In view of this eventuality, some loan companies offer cash withdrawals using a GIRO check or delivery via a courier.
GIRO check as one of the cash withdrawal methods
GIRO check is one of the oldest ways to withdraw cash. The loan is transferred in this case via postal order. This method was born before bank accounts were created and its popularity has survived to this day. The GIRO check is a perfect solution for people who do not have their own bank account. It is also a good way for people who can not afford a cash inflow – for example, it was taken by a bailiff.
To withdraw a loan with a GIRO check, all you have to do is go to the nearest post office with the necessary documents, ie a special form and a personal ID obtained at the loan agreement. Then, after verifying our identity , the cash will be handed over to us directly.
Using this method, we bypass the obligation to send a verification transfer to the lender’s account. Therefore, we do not incur any fees. In addition, the entire process runs quickly and efficiently, and you can receive cash on the same day.
Contract with a courier, i.e. cash provided by an agent
Another way is to receive cash via the messenger. Initially, the courier, at the address indicated in the application, brings us a loan agreement and verifies our identity. If this process is successful, the deliverer will then give us the amount borrowed to us.
This solution is a great option for people who do not have a bank account. However, this method is usually more time-consuming. Therefore, when deciding on this way, we should be patient.
Online loan account – the most popular loan
By using the services of non-banking institutions, we have certainly noticed that one of the most frequently imposed requirements for borrowers is to have a bank account. Transferring liabilities to an account is one of the most popular ways to receive cash.
Customers who have decided on this solution should have their own bank account. It can not be a company account or shared with someone else, for example with your spouse. In addition, they are required to transfer a certain amount (usually in the form of 1 PLN) in order to verify the account. Thanks to this, the lender can be sure that the given bank account belongs to the person applying for the loan via the Internet .
Transfer to your account is by far the fastest way to get cash – you can already have a loan after 15 minutes . Then the amount received can be easily withdrawn at an ATM or at one of our bank’s outlets.