Such consumer loans are issued almost without refusal even with a bad credit history and the presence of debt obligations to other credit institutions. At the same time, such a loan is approved without certificates of income and official employment, and for its registration it is not required to personally visit the office or the nearest branch of the lender.
Why today you can take a loan with a black list only in MFIs?
These companies, unlike banks, often use not general, but their own lists of "problem" borrowers, moreover, they never conduct a detailed check of customer history, using only credit rating indicators that are generated by national BCIs during automatic scoring.
This creates an opportunity to get a payday loan when you first apply to a new IFC if it uses only its databases. It will not be difficult to find such an organization, because their number in the market of lending to individuals is constantly and very quickly increasing.
What are the main reasons for borrowers to get into the block list of lenders?
You will be surprised, but in the lists of undesirable customers quite rarely get borrowers with a very bad credit history, because it can not only worsen, but also become better with the advent of positive records or completely reset after a few years of inactivity.
- numerous debts, the situation with which came to compulsory collection, including through court decisions;
- inappropriate behavior and / or threats in the course of communication with representatives of the IFC, especially in a state of any intoxication;
- the presence or appearance of convictions under articles of the Criminal Code directly related to fraud in the credit or financial spheres;
- direct appeal of the next of kin in writing with a request to refuse to lend to an insolvent person.
These are the most common, but not all the reasons for loan applicants to get into the forbidden lists and databases of refuseniks. At the same time, each company always reserves the right, at its sole discretion, to both add and remove customers from its block lists without any explanation.
Under what conditions is a quick loan usually issued online to the card?
Remote loans on the Internet are provided for periods up to 30 calendar days, that is, literally before the salary, with the possibility of further extension of the borrowing period. The initial interest on the loan is slightly higher than in banks, but the base rate helps to significantly reduce promo codes with discounts, which are constantly and actively distributed, as well as participation in promotions and loyalty programs.
Being a regular customer, you can borrow a large amount of money on the card without refusal,but when applying for a loan with a black list or in the case of the first application, the credit limit often does not exceed the minimum wage. Subsequently, with each successful, and most importantly, timely repaid loan, the available loan size will constantly increase, even if you are on the block list of other companies.
What will I need to apply for a loan with a black list without refusal?
To get a loan online on the card you need to have access to the Internet, as well as a computer connected to the network or any electronic gadget, for example, a smartphone or tablet. Registration is carried out through the financial organization's own mobile application, which must be pre-installed, or on the official website. In addition, prepare in advance that during the application for a loan you will definitely need:
- National passport.
- Identification number.
- Personal mobile phone.
- Work address e-mail.
- Active bank card.
To significantly increase the chances of approval of a loan with a black list, make clear digital photos or scans of the passport and TIN certificates for subsequent upload through your personal account, even if the IFC promises to issue a loan without photo documents.
It is desirable to use a phone number and an e-mail address of new ones, so that they probably do not appear in any databases. To prevent delays in card verification, take care of the presence on its balance of at least a minimum balance of funds.
How to remove your personal data from the block list of credit institutions?
Without a doubt, it is much easier to get into the list of undesirable customers than to "get out" of it, especially without special consequences for your credit reputation. As already mentioned, all MFIs operate with such databases only at their own discretion, so no actions of a problem borrower can guarantee a 100% result.
- Identify the most likely reason for adding your data to the block list and completely eliminate its impact, if and as far as possible;
- avoid further violation of debt obligations in order to improve your credit history and your personal financial rating in national BCIs;
- contact the organization that uses it in writing and may make changes to request that you be removed from the blacklist.
Conclusions
As you can see, it is possible to get a consumer loan with a black list without refusal, but sometimes this will still have to make some effort, spending a little personal time searching for an MFI that serves even problem categories of borrowers.
Such companies today are the majority, because each of them, issuing a loan online to the card, most often takes into account the integrity and loyalty of the client towards itself, practically without taking into account the past experience of interaction with third-party lenders. Good luck!
