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One of the most popular types of security when applying for a bank loan is a guarantor. Even despite the existence of a huge number of different financial products, some of them still include the search for a person who will perform the relevant duties. Of course, most often this applies to large loans that the bank considers risky.
A similar approach allows the financial organization to avoid serious losses that it may incur if the borrower does not repay the debt for one reason or another. But at the same time, after signing the contract, the guarantor is subject to fairly strict financial obligations. For example, if the bank goes to court in the event of a delay of 5-6 months, both the borrower and the guarantor will act as defendants.
Only persons with a good credit history, permanent employment and a sufficiently high level of income can apply for the role of guarantor. To approve his candidacy, a citizen must prepare a complete package of documents and submit it to the bank.
Sometimes the registration process is significantly delayed due to a long check of a potential guarantor — for this bank, it takes from several days to a week. At the same time, in an MFI (microfinance organization) or an online service, a client can get a loan in just a few minutes, without guarantors and with half as much effort.
How to apply for a loan without guarantors on the Internet
An online loan is issued according to a simplified scheme and does not require the borrower to have any specific knowledge or extensive experience. It is enough to visit the website of the MFI/service and fill out a short questionnaire. Do not forget that any microfinance organizations, like banks, also check the personal data of clients, so do not make mistakes and indicate only reliable information in the application.
The online loan application procedure is as simple and clear as possible, which makes it accessible to a wide range of people. It is also not necessary to submit a complete package of documents and wait for a loan decision for several days, as when applying to a bank.
Another advantage of such loans is that the client does not need to indicate the goals for which he plans to spend the funds. After receiving the money, he can dispose of it as he sees fit.
The percentage of refusal remains insignificant — more than 90% of those contacted receive a positive response.
If you have doubts about the creditor, try to analyze the company's activity, study the online ratings, terms of disbursement of funds, as well as the comments of borrowers who previously cooperated with it.
Will issue a favorable one borrow from the phone you can in the convenient modern Credit1 service. To do this, it is enough to fill out a short form on the site, provide passport data and TIN, and then wait for a response from our managers.
The relationship between the organization and the client is strictly confidential, so the user's personal information will not be disclosed to outsiders.
