Cost of the second – non-free payday loan

3 Jun

Second loan with the possibility of obtaining a higher amount

Second loan with the possibility of obtaining a higher amount

People using the services of loan companies probably pointed out that non-bank institutions allow their regular customers to apply for higher amounts than for those who decide to pay for the first time. Considering credit risk, loan institutions impose certain restrictions on new customers, while with the timely repayment of debts the customer builds his creditworthiness, which is why he can apply for higher amounts. For example, in credit.pl a new customer can get a completely free payday pay, however, its maximum amount is only PLN 800, while a regular customer can apply for up to PLN 3,000. It is similar in Hillarium, ViaText or Viloan, where with each subsequent payday we can apply for a higher amount.

Cheapest second loan

Cheapest second loan

Among the compared non-bank institutions, obtaining a second loan turned out to be the cheapest in Viloan. The payday loan of PLN 1,000 was borrowed by a regular customer for 30 days. The loan cost at Viloan is PLN 160, so after 30 days we give the company PLN 1,160. In addition, we have the option of extending the repayment period by 7, 14 and 30 days, the additional cost of which is PLN 98, PLN 126 and PLN 190, respectively. In our list, payday loans, the cost of which did not exceed PLN 200, are offered by 3 companies – the mentioned Viloan, Maja Credit and Alpha Cash.

Additional perks

Additional perks

Some loan companies allow their regular customers to fund their loan account with additional funds by recommending the company to their friends. If our friend agrees, all you have to do is give the loan company their contact details, i.e. email address or phone number. A non-banking institution will pay to our account from 15 to even 50 PLN if our friend receives a loan from that company. Institutions that have such a bonus system include Credither which pays PLN 15, Viloan offering PLN 30, and ViaText paying out, as much as PLN 50.

Quick payday loan without completing the application

Quick payday loan without completing the application

Regular customers of loan companies have many privileges. One of the most important is having an account in the customer panel, thanks to which application for a loan is reduced to a few seconds. If we have already filled out the entire loan form, providing all necessary data, then in many non-bank institutions the inference path will be significantly shortened for us. All you have to do is log in to your account – on most websites of loan companies in the upper right there is a field where you must enter your login, which is your email address, personal identification number or telephone number (depending on the loan company) and the password we entered by completing the application the first time. If you don’t remember your password, you can remember it. We can also contact the service office, which will certainly help us in such a situation. Then we confirm that the data provided above have not changed and choose the amount and duration of the loan. Thanks to this, we can apply for a payday loan in a few seconds. If the previous commitment was repaid by us in a timely manner then we have a better chance of obtaining a positive decision and paying the funds we need.

Loan companies offer payday loans on attractive terms if previous commitments were repaid on time. It is worth remembering.

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