Indebtedness is a big problem, especially if we lost our income. Loans for indebted people without creditworthiness are available in various difficult situations, but few loan companies offer them.
We have already described various difficult financial situations in the blog. One of such situations may be sudden loss of job or income that we have had so far. Very often in such situations, debt is incurred, especially if we are in the process of paying off some long-term loan. What’s worse, we can not count on any additional financial support because we have lost the creditworthiness that is necessary to obtain an additional loan or credit.
Are there any alternative methods of obtaining cash in such situations? Does a person who lost income and is in the process of looking for a new job have a chance to get financial support? It turns out that it is possible. One of such possibilities is to obtain a loan with a guarantor or guarantor, whose subject we have moved on the pages of the blog. The second option is to get a loan with collateral, mortgage secured.
We are looking for a loan for indebted people without creditworthiness
We will present two options today, in which obtaining a loan is possible both in the case of debt and in the case of loss of creditworthiness, eg by sudden loss of job. In order to obtain the following loans, you will not need any income certificates or verification of the borrower through database registers or debtors’ databases. In the case of this type of loans, loan companies have different requirements, but we will talk about this in a moment.
Option No. 1: Loans with a guarantor
One of the most popular loans of this type has been provided by Lapuda Money for several years. The company makes it possible to obtain loans in various difficult situations. We have a chance to get them if we have lost a job, we have some debt visible in the bases or we are in danger of being bailiff. In each of these situations, the company can offer us financial assistance, provided we comply with the conditions set by the company. However, they are not particularly complicated. It is enough for us to find a responsible person who wants to become the guarantor of our loan. It must be a person with good creditworthiness who has adequate income, who, if necessary, will enable repayment of the loan. In addition, it must be a person who does not have and never had any debts at banks or in other institutions. If we can find such a person, we have a good chance of getting a non-bank loan via Lapuda Money. The current loan amount for the indebted parties offered by Rapida is up to PLN 25,000. The loan repayment period can be spread from 12 to 48 monthly installments.
Option No. 2: Loans for indebted under mortgage
Another company that also allows you to get a loan for indebted people without creditworthiness is the company Speed Cash Cashpor. It specializes in lending, people who need high loans, and can not get them through banks. Additional security will also be required to obtain them. In this case, you will need to own your own property such as a house, flat, plot or enterprise. Most of such loans granted against real estate are provided with the help of banks with which Speed Cash cooperates. Thanks to this, however, that such a loan is dealt with by specialized advisors of the company, we have a much better chance of getting it. Chances are much greater than if we wanted to reach for such a loan by ourselves, having debts or not having current credit standing. The amounts of loans that are available through the company are already much higher than in the case of loans with a guarantor offered by Lapuda Money. Here, the maximum loan amount can be as much as PLN 10 million and constitute 60% of the value of the collateral held.