Nowadays, in times of consumerism when the customer is the most important refusal to grant credit can be shocking. You can think of it, I, the customer, come to the Bank, I want to borrow money and then pay back the loan in installments with additional interest, often not low, I want to give a bank a profit and the bank does not want to give me a loan. How is that Why?

Creditworthiness, i.e. influence on the bank’s decision

This thinking is partly correct, after all, the bank is also a company, it should count with the customer, respect him. And so it is! Banks take great care of their customers and offer a range of products tailored to individual people, but in the case of loans the matter is different.

Here, unfortunately, banks are obliged by the regulations in force in Poland and the European Union, it is all about limiting credit risk when the client has too many liabilities or does not earn enough, in relation to the amount he wants to borrow is a high risk for the Bank. Risk of unpaid loan, debt recovery costs etc. Therefore, banks are often forced to issue a negative decision on a loan application.

Check out offers

What conditions are checked, the list can be checked on the website: Astro finance we also encourage you to read the list of banks operating in Poland on the polskiebanki.com.pl portal, where you can see the most interesting offers of Polish banks. We recommend that you familiarize yourself with the various offers and conditions, because you can always find a good, interesting promotion that can be very attractive to us!

However, if you have poor credit standing or unpaid liabilities and relatively low earnings, you can apply for a loan. Due to the fact that non-bank companies check their clients to a lesser extent. We have written out loans without unnecessary verification in our website. It’s good to read them. Here you can submit an application conveniently online and after a while find out if the money received. Simple and fast, directly to your bank account.