Today we are witnessing obvious bias in the number of citizens applying for loans in the direction of online. What is the reason for this? The simplicity of design, saving time, what else? Consider the design options in the material.
The main reason for the transition to online lending is the convenience and simplicity of a loan. This is due primarily to the convenience and simplicity of a loan. But you need to consider that with this type of lending in a microfinance organization, you can get a small amount (10-15 thousand ).
At the same time, borrowers are afraid to run into scammers, who often conduct their activities on the Internet. There are many ways to trick a borrower into making a microloan online. Therefore, it is important to know how and where to take a loan safely. Let's try to figure this out in this article.
What to look for when applying for an online loan
When making a microloan on the Internet, you need to be careful not to send passport data to anyone. Here is a step-by-step instruction on how to take a safe loan:
1. Decide on a microfinance organization:
Choose only trusted companies about which there is enough information on the Internet. Before applying for a loan, read reviews on the Internet about the company, and view all useful information.
2. Copy the site address and check it through the search engines:
The fact is that some scammers can take the names of promoted companies, but create a “left” website, which victims come to.
3. Decide on the amount and term of the loan:
Take a loan only if you are 100% sure that you can repay it on time. Naturally, force majeure happens, but in any case, you need to soberly assess your strengths and financial capabilities. If you do not repay the loan on time, then interest and penalties will be charged, and the amount of debt will increase.
4. Carefully read all loan conditions:
If the lender offers too good conditions that no one offers on the microcredit market of Ukraine, then this should be alarming. For example, the first loan at 0% is a marketing move. But if you are offered an amount of over 15 thousand when you make your first loan, they don’t even ask for an income statement and are not interested in CI, then this is at least suspicious.
5. Read the loan agreement carefully before signing it:
As a rule, credit companies that have been operating for a long time rarely go-to tricks. But little-known microfinance organizations may prescribe a hidden commission, an increased interest rate, and/or additional payments (for example, expensive insurance) in the contract.
To apply for a loan online you only need a passport, TIN, a card of any Chicago Bank, and a mobile phone. Most MFIs when applying for a loan ask for a photograph with passports in their hands. This is a normal practice.
Thus, companies do verification of the client by checking whether the loan is drawn up by the person whose data is indicated in the loan application. pnc routing number But you need to understand that if you send such a photo to scammers, they can use it for their own selfish purposes, and you will end up in a very unpleasant situation.
Which online loans are better to refuse
When choosing an online loan, look at the following criteria:1. The maximum loan amount and the size of the first loan: Many MFIs give small first loans to new clients, increasing the credit limit gradually.
2. Loan terms: You need to sensibly assess your capabilities and understand when you can return the borrowed funds.
3. Interest rate: Microfinance organizations offer loans from 0 to 1.5% per day of the loan amount.
4. Speed of processing a loan: If you need money urgently, you should contact the companies that quickly consider loan applications and transfer money on the day of treatment.
5. The age of the borrower: Most companies work with clients between the ages of 18 and 75. However, there are exceptions. For example, some well-known MFIs issue loans only to persons who have reached the age of 21 years.
6. Ways to get a loan: Online lending services offer different methods of obtaining a loan: to a bank card, to an electronic wallet, in cash.
It is better to refuse online loans that offer opaque or suspicious conditions. For example, if the interest rate is not immediately called.
You also need to refuse to cooperate if, when you subtract a loan agreement, you found any inconsistencies with the conditions indicated on the company's official website.
For example, the site shows one interest rate, and in the contract, it is doubled.
Online loan guidelines
Despite all the tips, many still do not know where it is safest to get a loan. In fact, it takes a lot of time to find the right MFI. You need to go to each site, re-read the terms, find user reviews, search for information on the Internet, and repeat all these several times.
Therefore, the main recommendation is to use the services of special services that provide all the necessary information about MFIs and their loan products. Such services make the search for loans easier and faster. At the same time, the risks of encountering fraudulent companies are virtually eliminated.
With the “Credit-Online” service, selecting loans on the Internet becomes a simple and safe process. Users can set the desired search parameters (loan amount, term, interest rate, stocks, requirements for the borrower, etc.), and the service will select the appropriate company.
In this case, the user can see the rating of all companies and read reviews from real customers. Thus, you can not only find an honest MFI but also get a loan on good terms.
To take a loan safely, you need to follow the above recommendations and not lose vigilance. Remember that many scammers on the Internet seek out unsuspecting victims and profit from them.
In no case should you send your passport data or a photo with a passport in your hands if you are not sure of the reliability and honesty of MFIs? Having your data on hand, scammers can use it to deceive other citizens or arrange loans in your name.
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