At a time when the first companies providing payday loans appeared for good in the Internet network, BIK databases were basically open only to banks that checked their clients’ credit history, when granting various types of bank loans.
Over time, however, this situation has changed a lot, because with the popularity of companies, checking BIK has become somewhat more common.
Companies providing online payday loans
Currently, data in BIK are verified by about 60% of companies providing online payday loans. Other companies also check the client’s history from a slightly different angle.
Such companies most often verify the potential customer through registers and databases of debtors such as the National Debt Register. Such databases usually contain information on debt.
These may be debts resulting from delays in the payment of bills or invoices for telephone, electricity, electricity or satellite or cable television.
If in the past there have been any major repayment delays associated with these or other obligations, our data may have reached the debtors’ databases. Most often, however, we are talking about larger offenses and debts that last for at least a few good months.
Payday loans without BIK
If we decide to reach for payday loans without BIK , we should first find the offer that will be the cheapest in repayment.
Here, the popular payday payer for USD 0 will work best, at which we will not incur any costs. Such a free loan is a popular promotion introduced by payday companies that allow you to check the loan and give you the option of borrowing it at no additional charge.
In most cases, it will be necessary to incur a small fee in order to additionally verify the data and specifically verify the bank account, but such a fee is usually only USD 0.01 or USD 0.01. It is worth knowing, however, that some companies providing payday loans without BIK checking allow you to get payday loans without transferring a penny, thanks to which our loan will be completely free.
Of course, you should also remember about the timely repayment of such free payday pay, because otherwise we will not miss the additional costs that we will have to incur for late payment.
At the end I leave you with the companies I have chosen that will allow you to get payday pay without having to verify and check you for the BIK database.
However, you must remember that each company below will verify your data in their own way and through their channels.
Therefore, those who have no debts, neither the larger ones nor the smaller ones, will always have the best chance of getting payday payday loans.