Increasingly, various financial institutions are willing to lend us money without providing any certification. Although until recently the amounts of such loans were small – today we are able to raise up to USD 3,000. Loans without certificates are offered by both banks and private institutions non-bank.

A person interested in a cash loan of USD 3,000 without presenting certificates on the amount of income obtained has two options to choose from.

The first is definitely a cheaper solution


While the second is more accessible and for a larger group of people. We can obtain such a loan amount in a bank or in non-bank loan companies, of which more and more operate on our domestic market.

The bank will lend us the cheapest, of course, although it is much harder to get a loan without certificates. It is available for customers with a very good credit history and stable income that systematically affects your personal account.

Banks are able to verify us on the basis of entries in the database Credit Information Bureau and the amount of remuneration that our employer regularly transfers to our account. Easily banking loan without certificates is obtained in this bank, which we are already clients, and so we have its card credit runs our personal account or pay the mortgage in it.

An alternative to bank loans are non-bank loans

An alternative to bank loans are non-bank loans

Which are provided by private companies operating their own capital, and not as in the case of banks with clients’ money (e.g. deposited in deposits and savings accounts). In the case of non-banking companies, the loan is much easier to access, but also more expensive.

Some non-bank institutions are able to borrow USD 3,000 without certificates – completely online. Money is transferred to the borrower’s account even a few minutes after submitting the online application.

Private lenders are unlikely to use the information contained in the Credit Information Bureau, but they can check us in other unreliable customer databases, e.g. in KRD (National Debt Register). There, information is collected on our topic related not only to bank debt but also related to, for example, electricity charges. Each of us can, however, check their profile both in the Credit Information Bureau database and in KRD.

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