Loans online without certificates – installments and payday loans

Are you looking for a loan online without certification? Currently, it is almost a standard. It is very convenient to apply, without having to call your employer and obtain a salary certificate. It is enough to be over 18 years old and have an ID card with you. In our list you will find installment loans online without certificates (so-called long-term loans) and payday loans. The proposals are also directed to the unemployed.

  1. Payday loans for proof without certificates
  2. Installment loan online without certificates
  3. Free loans without certification
  4. Long-term loans without certificates
  5. Loan without certificates on the account statement
  6. Evidence loan without earnings certificates for 18 years
  7. Evidence loans without unemployment certificates

Loans without certificates – installments and payday loans

Loans without certificates - installments and payday loans

During the loan procedure, the applicant is asked to provide a certificate of employment and a statement of earnings. Various income groups are accepted, however, people with a permanent employment contract have the best chance of a positive credit decision. Until recently, the same thing happened also in the online loans sector.

Due to the unstable situation on the labor market and the growing number of freelancers without a standard employment contract, we can more and more often find loans based on a statement, i.e. loans via the Internet without income certificates.

Evidence loans without earnings certificates for 18 years

Below we have prepared a special list showing the best non-bank loans that we can receive without certificates. Find out which companies do not check the source of income and choose a loan tailored to your needs!

Installment loan online without certificates

People who want to borrow more should take out a long-term loan in installments without certification. Below we have prepared a list of the best installment loans that do not require income certificates.

An online loan without certificates is a better option than a loan

Banks will not grant any financial commitment without verifying information regarding our employment and income. Loans without online certificates are therefore a faster and more convenient solution than traditional cash loans without certificates, although such offers can be found.

It is worth remembering that the lower the amount of the commitment and the shorter the loan period, the easier it is to get a loan based on the statement. Some lenders offer loans based on a statement up to a certain amount, but now you can find both payday loans without certificates and long-term loans online.

Who are the loans for without certificates?

Who are the loans for without certificates?

Loan institutions often meet problematic clients who have low BIK scores and do not meet the requirements. Contrary to appearances, a loan without certificates is not always a loan for everyone. The client must have some financial credibility.

A loan without certificates from non-bank institutions may be the best option for a cash injection for:

  • borrowers who have no documented income,
  • temporary unemployed persons,
  • freelancers and people working without an employment contract,
  • students making a living from occasional work,
  • retirees and pensioners.

Loan without certificates – conditions we must meet

Loan without certificates - conditions we must meet

Applying for loans online without certificates is fast and requires a minimum of formalities. When applying for this type of commitment, we will have to meet virtually the same conditions as for ordinary online loans. The loan company will certainly ask us to provide the following information in the application:

  • first name and last name,
  • address,
  • ID number,
  • PESEL number,
  • e-mail,
  • mobile phone number.

In the form for this type of loan we will also have to provide data on our monthly earnings, this is called income statement. On its basis, the lender will be able to assess our ability to pay the liability, which will help us choose the best offer for us.

Statement and certificate – differences

An income statement is the information we provide about the amount and source of our monthly income that we can make at any time. Income certificate is an official and signed by the employer document confirming both the source of income and seniority, frequency and amount of salaries paid. The certificate confirms that we have creditworthiness.

An online installment loan without certificates is possible due to the lower amounts and loan periods compared to the loan. Thanks to the simplified verification, we can receive quick loans in 15 minutes without waiting for the employer’s signature.

What types of income do lenders accept?

Loan companies require a steady income, but are more open about its source. It is worth remembering that the more sources of income an institution accepts, the easier it is for a cash injection. Some companies recognize all sources of income that regularly affect the borrower’s personal account.

Recognized income may include:

  • employment contracts / commission / work / contract,
  • revenues from contracts of uniformed services,
  • family benefits and alimony,
  • disability and retirement benefits and pre-retirement benefit,
  • business and agricultural activity,
  • earnings during studies,
  • income from abroad transferred to a Polish account,
  • 500+ benefit,
  • some benefits.

What income can the lender not recognize?

  • income only from maintenance,
  • social pension paid by MOPS,
  • benefits from the Social Assistance Center,
  • internship from the Labor Office,
  • scholarships
  • income from employment contract outside of Poland,
  • income from rental of real estate,
  • some social benefits.

The conditions for granting loans may vary depending on the institution selected. Often, this source of income is one of the reasons for a negative loan decision. To increase your chances of getting money, it’s a good idea to choose an online loan without verification. An online loan will reach your account if the number of formalities is limited.

Why choose payday loans for proof without attestations?

Why choose payday loans for proof without attestations?

Instant payday without certificates for any purpose is the best solution if we urgently need extra money and we care about time. Payday loans are definitely the least demanding financial product. Their repayment deadline does not exceed several dozen days, which is why it is more ad hoc assistance than a long-term commitment.

Another advantage of this solution is the high granting and availability of many offers. How do you choose the best one? Online loan comparison websites and a thorough analysis of contract terms will be helpful here. Regardless of our credit history, every customer can find something for themselves.

Porfel – fast loan without online certificates up to PLN 6,000

If you are over 21 years old, you can apply for a loan without any Porfel certificate. If we successfully go through the process of applying for this type of commitment, we should quickly get a positive decision from the lender. The maximum amount we get in this one is PLN 6,000.

Important – if your credit history is poor, you will need to provide a statement of earnings

  • Loan: up to PLN 6,000,
  • Repayment term: up to 45 days,
  • Loan without BIK and certificates: YES.

Fast Cash – free loan without certificates up to PLN 6,000

The fastest free loan for proof without earnings declarations for 18 years awaits us in Fast Cash. At 0% APR, payday pay amounts to an impressive PLN 6,000, and regular customers have a chance of up to PLN 8,000. The final loan amount is determined taking into account regular income, current financial obligations and the client’s credit history. All you need to submit an application is an identity document and a bank account from which we will make the verification transfer.

Important – the lender accepts most sources of income. If your creditworthiness is low, we may be asked to give you permission to verify your income information by phone, but this is a rare solution.

  • Loan: from 100 to 8000 PLN.
  • Repayment deadline: up to 30 days for new customers and up to 65 for regular customers.
  • Loan on declaration: YES.
  • Loan without BIK and certificates: YES.
  • Loan for 18 years without certificates: YES
  • Loan for 18 years without certificates: NO.

LendFor – a loan without income certificates

LendFor has been appearing in the best loan listings for years. The website is characterized by extremely flexible conditions for assessing the creditworthiness of customers. We will borrow 3,000 PLN for 30 days for free, but with the second payday the amount will double. LendFor focuses on the convenience and safety of borrowers, so although it is a loan without calling the employer, the company may ask us to show an account statement from recent months.
Important – the company recognizes all sources of income.

  • Loan: from 100 to 6000 PLN.
  • Repayment term: up to 45 days.
  • Loan without BIK and certificates: YES.
  • Loan for 18 years without certificates: NO.

Hellarium offers payday pay without certificates for 45 days

At the Hellarium loan company, borrowers can pay off a quick loan without certification for up to 45 days – one of the longest repayment periods for the type of loan available on the loan market. The offer from this lender is a great solution for everyone who has a negative credit history in BIK.

  • Loan: up to PLN 6,000,
  • Repayment term: up to 45 days,
  • Loan without BIK and certificates: YES.
  • Loan for 18 years without certificates: NO.

Clocredit – a loan for 18 years without online certification for 50 days

At Clocredit, the first free loan of PLN 2,000 can be granted to all adults who have a permanent source of income. Due to the relatively low amount, we do not have to worry about the need to show an income certificate or a lack of a positive credit history. With high income, the company will easily issue a loan without BIK and certificates. Also important is the non-standard repayment time, which can reach up to 50 days, and the various available methods of identity verification.

Important – the company recognizes all sources of income.

  • Loan: from 100 to 5000 PLN.
  • Repayment term: up to 50 days.
  • Loan without BIK and certificates: YES.
  • Loan for 18 years without certificates: YES.

Cashman – loans on proof without unemployment certificates

People who are temporarily not permanently employed can submit a request for a quick payday loan with Cashman. Of course, the company requires some creditworthiness, but the source of revenue does not have a major impact on the loan decision. All adults who have correctly submitted an online application and confirmed their data by transferring 1 penny or the free Instantor application have a chance to receive a free payday payment of up to PLN 1,500.

Important – the company recognizes all sources of income.

  • Loan: from 500 to 7,000 PLN.
  • Repayment term: up to 61 days.
  • Loan without BIK and certificates: NO.
  • Loan for 18 years without certificates: YES.

How do you choose installment loans on your income statement?

How do you choose installment loans on your income statement?

When looking for offers, make sure you know which revenues are recognized by individual lenders and that all accepted sources of income can be combined. In the case of fixed-term employment contracts, the loan may be granted for a period not exceeding the planned employment period. Where can we find the best online installment loans without certificates?

Snapi loans – online installment loans without certificates for 48 months

Snapi loans offer non-certified loans with a long loan term. People aged 18-80 can apply, and it is calculated along with the loan period. Importantly, the company can only grant PLN 10,000 to a given address.

Acceptable sources of income are:

  • employment contract, commission and work,
  • contract, e.g. resulting from work in uniformed services,
  • family benefits and alimony,
  • disability and retirement benefits and pre-retirement benefit,
  • business and agricultural activity,
  • earnings during studies,
  • benefits, i.e. family, nursing, caring, parental benefits for the guardian of single parents,
  • income from abroad that goes to the Polish account,
  • 500+ benefit.

The parameters of the loan without certificates in Snapi loans are as follows:

  • loan: from 800 to 25,000 PLN,
  • maturity: up to 48 months,
  • loan for a statement: yes,
  • loan without BIK: no,
  • cash withdrawal: regular transfer, GIRO, Bluecash.

Duper Gross – installment loan without certificates up to PLN 15,000

Charges for an installment loan at Duper Gross are people between 21 and 80 years old who have an income of at least PLN 500 a month. Bailiff seizures or income obtained abroad can prevent you from getting a loan.

Acceptable sources of income are:

  • employment contract / work / commission,
  • student income
  • housewife’s income,
  • social and maintenance benefits,
  • business and agricultural activity,
  • hire,
  • lease,
  • pension,
  • contracts
  • other income considered individually.

Installment loan parameters for the statement in Duper Gross are as follows:

  • loan: from 1000 to 15000 PLN,
  • maturity: up to 48 months,
  • loan for a statement: yes,
  • loan without BIK: no,
  • cash withdrawal: GIRO.

Installment loan as proof without earnings certificates from 18 years in Mini Loan

In Mini loan with no income statements, a loan from a person between 18 and 75 years old. The maximum amount can be counted only on the fifth commitment. It is worth remembering that the final amount possible to obtain will depend on the individual assessment of creditworthiness.

Important – the company recognizes all sources of income.

  • loan: from 500 to 5000 PLN,
  • maturity: 7-30 days,
  • loan for a statement: yes,
  • loan without BIK: no.

Meditimo – installment loans based on earnings statement

Meditimo offers both payday loans per month and installment loans up to PLN 5,000 for 24 months. The offer is available to persons over 21 years of age with regular income from any source.

Important – the lender recognizes all sources of income.

  • loan: from 100 to 5000 PLN,
  • maturity: up to 24 months,
  • loan for a statement: yes,
  • loan without BIK: no.

Installment loans as proof without income certificates at Mecalion

At Mecalion, new customers can borrow up to 1,500 per month completely without interest. The company has a large age range of borrowers – from 22 to 75 years. Again, most sources of income are accepted.

Important – the lender recognizes all sources of income.

  • loan: from 100 to 3500 PLN,
  • maturity: 1-30 days,
  • loan for a statement: yes,
  • loan without BIK: no.

A loan without certificates is possible thanks to modern identity verification

A loan without certificates is possible thanks to modern identity verification

Financial institutions focus on more and more effective technological solutions, thanks to which we can borrow faster and keep the safety rules. More and more loan companies are resigning from verifying customers by transferring 1 penny in favor of using mobile applications. Systems such as Autonatik or Huntor FD allow you to quickly check whether the information provided in the loan application is true and carry out a preliminary assessment of the borrower’s creditworthiness.

Thanks to the application, the lender will be informed about the frequency and amount of inflows to our account in recent months. With this verification method, we have a chance to receive a loan regardless of the source of our income, and therefore without any certificates. This has a significant impact on the speed of the loan process. Automatic verification allows the processing of loan applications also on non-working days.