Unlike commercial banks, the vast majority of MFIs provide an online loan without checking the credit history on the card without refusal. At the same time, a consumer loan on the Internet is issued without collateral and guarantors, which significantly increases its availability, and also significantly speeds up the process of obtaining.
Why only MFIs issue an online loan today without checking the CI?
All such credit and financial institutions position themselves as services of remote and instant lending to individuals, promising approval of the loan in 5-10 minutes. Therefore, they conduct a detailed check of the history "in manual mode", which can take additional time up to half an hour, only in some cases, for example, if:
- a new client immediately requests a large amount of funds to borrow to the card;
- scoring check notifies about the presence of minor stop factors;
- the data of the loan applicant appear in the block lists of other creditors, etc.
To speed up the process of registration of IFC, automatic scoring systems are used, taking into account, among other indicators,the level of the so-called credit rating, which has a numerical expression and is formed in the Bureau of Credit Histories (BKI).
And if its current value is within the permissible limits set by a particular company, then even a loan with a black list without refusal will be approved by it with a very high probability.
Who can take a quick loan online on the card without refusing to MFI?
A simple consumer loan on the Internet is available for capable and adult citizens of the country of registration of a financial organization who actually and permanently reside in any of its territories. Most often, an online loan without checks is provided from 18 to 65 years, but some lenders increase the age limit up to 90 years.
Absolutely any IFC approves a loan without certificates of official employment,as a result of which even the unemployed will not be a problem to borrow money on the card. In addition, loans can be freely received by the least creditworthy (according to the definitions of banks) categories of citizens, that is, loans are available to students, housewives, disabled people, mothers on maternity leave, pensioners, etc.
What do I need to get a loan without checking my payday history?
The most common is the option of issuing a loan on the official website of the MFI, but all reputable companies for the convenience of their customers create special mobile applications available for free in Google Play and / or App Store.
Therefore, to obtain an online loan without checking the CI in technical terms, you will definitely need a computer, smartphone or tablet connected to the Internet, as well as:
- National passport.
- Identification number.
- Any bank card.
Additionally, you will need a mobile phone number and e-mail, which are needed to enter your personal account on the website or in the application, where you can order and repay loans, as well as track their current status. In addition, they will subsequently be used as the main means of remote communication for the implementation of all contacts and the delivery of important notifications.
How quickly can I take a loan online to the card without refusal?
Even at the first appeal, if you have everything you need on hand, the procedure for registration and direct receipt of a loan will not take more than 15 minutes. This is fully confirmed by both the reviews of MFI employees and numerous comments of real borrowers, which abound in the network. Repeated loans, if there were no problems with the repayment of the previous ones, are approved automatically in a couple of minutes, after which the money is received on the card instantly, around the clock and seven days a week.
Conclusions
As you can see, a simple online loan without checking the credit history today can be obtained without any problems and delays, if you immediately contact any microfinance organization. Even with a very bad KI, you will always have an increased chance of approving the loan requested without refusal. However, this does not mean that there is no need to constantly care about the quality of your history in the BKI,because a good financial reputation is always of paramount importance in modern realities, opening free access to any types and forms of lending. Good luck!
