Pożyczki online w 15 minut

Pożyczki online w 15 minut

Wiele osób decydują się na pożyczki online. Jest to szybki i wygodny sposób na uzyskanie niezbędnego wsparcia finansowego. Jeśli potrzebujesz zastrzyku pieniędzy, należy dokładnie przyjrzeć się ofertom firm pozabankowych. O tym jak ubiegać się o pożyczkę przez Internet i ile to kosztuje wytłumaczymy poniżej.

Warunki udzielenia pożyczki

Wysokość pożyczek krótkoterminowych zwykle nie przekracza kilka tysięcy złotych. Okres spłaty zobowiązania wynosi 30 dni. Niektóre firmy pożyczkowe udzielają również pożyczek ratalnych na okres do kilku lat. Kto może dostać pożyczkę online:

  • obywatele Polski;
  • w wieku od 18 lat; niektóre firmy ustalają również górną granicę wieku;
  • posiadające konto w banku;
  • nieposiadające wpisu w bazach dłużników.

Pożyczka może być wypłacona w 15 minut w przypadku, gdy wnioskodawca ma rachunek w tym samym banku co firma pożyczkowa.

Jak uzyskać pożyczkę w 15 minut

Proces ubiegania się o pożyczkę przez Internet jest bardzo prosty. Aplikowanie o chwilówkę odbywa się w kilku szybkich etapów:

  • rejestracja na stronie pożyczkodawcy;
  • wypełnienie formularzu rejestracyjnego;
  • weryfikacja konta bankowego;
  • oczekiwanie na decyzję;
  • otrzymanie przelewu.

Podczas wypełnienia formularzu należy podać dane osobowe wnioskodawcy: imię i nazwisko, numer pesel, numer dowodu osobistego, numer konta bankowego, adres poczty elektronicznej oraz aktywny numer telefonu. W celu weryfikacji rachunku pożyczkobiorca musi przelać kilka groszy lub złotówkę na konto pożyczkodawcy. Dalej następuje etap rozpatrzenia wniosku. Trwa on zaledwie kilka minut. O decyzji klient zostanie poinformowany za pomocą sms. W przypadku pozytywnej decyzji przelew gotówki realizuje się na konto pożyczkobiorcy w ciągu 5  minut. W przypadku przelewów międzybankowych może to potrwać dłużej.

Pożyczka za darmo w 15 minut

Firmy pozabankowe posiadają w swojej ofercie liczne promocji i programy lojalnościowe. Serwisy chwilówkowe często oferują pierwsze pożyczki za darmo. Czyli oddajesz tyle, ile pożyczyłeś. Taka opcja dostępna jest wyłącznie dla nowych klientów. Podstawowym warunkiem darmowej pożyczki jest spłata zobowiązania w ustalonym terminie. W przypadku braku lub opóźnienia w spłacie warunki promocyjne zostaną anulowane. Niektóre firmy oferują darmowe przedłużenie terminu spłaty. Oznacza to odroczenie terminu spłaty za 0 zł. W przypadku pożyczki za darmo RRSO wynosi 0%. Pożyczka promocyjna nie zawiera żadnych ukrytych kosztów. Przykład reprezentatywny:

  • Kwota pożyczki – 1000 zł
  • Okres spłaty – 30 dni
  • Prowizja – 0 zł
  • Oprocentowanie – 0 zł
  • Całkowity koszt pożyczki – 1000 zł

Możliwość uzyskania pożyczki za darmo jest oferowana w celu przyciągnięcia do stałej współpracy nowych klientów. Firma pożyczkowa nic nie zarabia, jednak liczy na to, że zadowolony klient po raz kolejny wróci i będzie ponownie ubiegać się o pożyczkę. Druga i następne pożyczki wiążą się już z dodatkowymi  kosztami.

Wady i zalety pożyczki w 15 minut

Przed ubieganiem się o pożyczkę należy dokładnie zastanowić i przeanalizować własne potrzeby i możliwości finansowe. Oceń podstawowe wady i zalety pożyczki w 15 minut. Zdecydowanymi plusami chwilówki są:

  • możliwość złożenia wniosku online;
  • szybkość podjęcia decyzji;
  • błyskawiczny przelew na konto;
  • brak formalności;
  • możliwość refinansowania pożyczki lub rozłożenia zadłużenia na raty;
  • przejrzyste warunki współpracy;
  • brak ukrytych opłat;
  • możliwość wywiązania się z zobowiązania przed terminem;
  • gwarancja bezpieczeństwa danych osobowych.

Jednak oprócz istotnych zalet wnioskowania o pożyczkę online, są również wady takiego rodzaju pożyczki:

  • krótki okres spłaty;
  • niska kwota pożyczki;
  • wysoki koszt oprocentowania.

Przed ubieganiem się o chwilówkę dokładnie zapoznaj się ze wszystkimi dokumentami dotyczącymi pożyczki. Po wybraniu na elastycznych suwakach interesującej kwoty i okresu pożyczki dowiesz się o całkowitym koszcie pożyczki jeszcze przed zawarciem umowy pożyczki.

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