We live in a time when everyone is looking for the greatest comfort and simplicity. This is also reflected in the areas of credit. If somebody offers just a deal at a branch, they can expect that many clients will not have. The possibility of arranging a loan in your home comes to the fore. This form can take a number of specific forms. Together we will look at the main options that exist in this respect. Let’s go.

Non-banking companies and consumer loans

Non-banking companies and consumer loans

Consumer loans are the most demanded type of loan today. When we look at their basic characteristics, we have to say that we are usually talking about tens to hundreds of thousands, which are provided for several years. And during them they are regularly repaid. If we are to stick to the variants of the loan in your home, then it should be said that the best known provider is Provident. This is not a newcomer to the credit market. To mention the basic characteristics, it is as follows:

  • Loan amount: CZK 3,000 – 130,000
  • Duration of repayment: 3 – 36 months
  • Form of payment: On account or cash

This provider is a prime example in the segment of non-bank loans that these can also be settled in your home.

P2P loans

P2P loans

They are talking more and more as they come up with a quite unique concept. This is based on the fact that people lend to people. On the one hand there are loan applicants and on the other there are so-called investors. Both groups will meet within the platform. Investors deposit on the loan application and applicants receive the required funding. One of the most famous platforms in our country is certainly Mancy.

The advantage of this company is that it offers a loan in your home. How specifically? Through the Internet, without the need for any personal meetings. The company itself mentions this as its advantage not only because it is easier for clients. He mentions this as his advantage because he may not have branches and employees and so he can afford to offer lower interest. If you decide to apply for a loan, it is a good idea to assume that all documents are handed over electronically and the contract is subsequently confirmed online. A similar procedure occurs when you are not an applicant but are registering as an investor.

Non-banking companies and micro-loans

Non-banking companies and micro-loans

Let’s go back to the classic non-banking segment. Here, they are not necessarily dominated only by classic consumer loans. So-called micro-loans have been in great demand for a long time. This is a unique type of loan that has two characteristics. Rather, smaller sums of money are provided, which are subsequently returned as a lump sum, on a monthly basis.

And what does this trio have in common? Can offer a loan in your home. And completely through the Internet. Not only is this the necessary information, such as an identity document, transmitted. In this way, using the mobile phone, the contract itself is also signed. The main advantage of these loans is not only that you can handle them from the comfort of your home. If there is another thing that will surely please you, it is definitely the speed of processing. We can talk about the time horizon in several tens of minutes, up to several hours.

Bank loans

Bank loans

There are also banks that show that it is possible to realize the loan in your home. Of course, at the outset, it should be said that it is good to apply for a bank where you have your account. The reason is clear. The bank knows all your identity information about you. It is therefore not necessary to provide proof of identity. Likewise, your bank has the advantage of looking at your bank account. If you get paid, you can see how well you are in terms of creditworthiness without the need to provide various other information.

All you need to do is log in to your internet banking and apply for money here. This may be in the form of an overdraft, which is now very actively offered to its clients by Mia bank, which is also popular for its accounts without fees. There are also banks that automatically offer pre-approved loan amounts based on account movements. This can be seen in the administration of Internet banking. An example is Cashieta Bank or Zest bank. If the client shows interest, he simply asks for it and takes everything from his home quickly.

Are there other options?

Are there other options?

Definitely yes. However, we can label them as complementary. One such service is Credit Limit from Bankate. In terms of characteristics, this is a virtual financial reserve that can be applied for under similar conditions to a classic micro-loan.

Another example is credit cards. If they are linked to banks, the situation is similar to a pre-approved loan. However, various non-bank companies also offer credit cards. This is unique not only in your home, but also in the fact that you receive your credit card automatically. If you have or have had a loan from a non-banking company, the credit card is sent directly to and you just activate it.

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