There are unexpected expenses in everyone’s lives. Often their amount exceeds our income or we are not able to cover them at the moment. Then we usually go to a bank or other loan institution, and it turns out that we do not have the so-called creditworthiness. Simply put, the bank recognizes that we will not be able to pay our liabilities on time.
What is credit standing?
Creditworthiness consists of factors such as the amount of our salary and the type of income source. Monthly expenses are also taken into account: liabilities arising from existing banking products (e.g. credit card, cash loan, car loan, mortgage, non-bank loans). Expenses for ongoing maintenance (food, insurance, utilities, fuel etc.) are also important for the bank.
Creditworthiness is also calculated on the basis of less obvious data such as age, education, place of residence, profession, market position of the company . Based on this data, the bank estimates the amount of credit it can give us and how long it will be repaid.
Where can I get a loan without creditworthiness?
As you can see, the decision to grant a loan is the result of a detailed analysis of our life situation. What should I do if I do not meet the criteria of the bank we have chosen? Where can I get a loan without creditworthiness? We must remember that each bank, when examining our loan application, sends a request to the Credit Information Bureau (credit check). It has information about our obligations and timely repayment.
The more such inquiries you send about us, the more difficult our situation will be. Further banks will receive information that we have not obtained a loan so far, which is very likely to indicate our poor financial standing.
We are able to avoid this situation with the help of a good credit advisor. He can help us in choosing a financial institution or parabank that will grant us a loan without creditworthiness or without sending a request to credit check. If you are looking for a good consolidation loan, it’s also not worth acting on your own.
Where can I get a consolidation loan without creditworthiness?
A credit advisor can suggest the best solution and tell you where I will get a consolidation loan without creditworthiness . Unfortunately, in most companies the cooperation ends on the day of signing the loan agreement with the bank. Fortunately, in the event of cooperation with our company, the client gains the support of a financial expert from the beginning to the end of the contract. For this type of service, professional advice and assistance at every stage of cooperation will be a very important issue.
Our loan broker not only negotiates the best loan terms, but also accompanies you when any doubts or problems arise during repayment. We are at your disposal and are ready to help you at any time. We do not charge any initial fees. You don’t have to worry about the additional costs associated with determining your creditworthiness or filling out a consolidation loan application. We charge the only fee if we get a positive decision at the bank.