Online loans from Netcredit

Promotions currently offered

Net Credit has earned its place among the best online lending companies for a reason. It takes great care of its customers, offering them a welcome offer under the terms and conditions.

• First period free of charge - a customer concluding a first agreement with Fincard may receive a card limit of up to PLN 20,000, according to the credit decision. During the first settlement period, described as 30 days, no fees covered by the welcome offer are charged. The entire contract lasts 360 days and its APR is not 0%.

  Standard example of a limit: PLN 1,000, 360-day contract, cost PLN 290.06, payable PLN 1,290.06, APR 38.97%. The first settlement period is free of charge under the terms of the welcome offer.

Documents and requirements

Net Credit provides a simple and quick way to obtain a loan using a simple and transparent loan form that requires only basic personal data such as an ID card number or telephone number. Additionally, the company asks for the type of job and monthly income. Therefore, you do not need to prepare additional documents, e.g. employment contracts. The customer must have full legal capacity and meet the requirements of the regulations, including those regarding creditworthiness.

Customer verification in BIK, ERIF, KRD and others

Netcredit assesses creditworthiness before granting a limit. Information about liabilities and arrears is important when considering the application. Just having a history in BIK does not automatically mean rejection - the result of the applicant's assessment is important.

In one sentence, Net Credit checks the most popular registers, which makes obtaining a loan much more difficult. This does not mean that it is not possible. Each case is verified individually. If we are listed in one register for a minor offense, there is a chance that we will receive a loan, especially for a lower amount. Therefore, it is worth trying to complete the application and wait for the decision to grant or refuse

Applying for a loan

If we want to borrow money from Net Credit, we should start by determining the limit we are interested in using the loan calculator. It allows you to set appropriate loan parameters using sliders and informs you in real time about the interest rate, final repayment date and APR. After selecting the limit amount, proceed to completing the application form. Net Credit requires only basic data from the ID card, so the scope of verification results from the procedure and regulations. Additionally, Net Credit asks you to provide your type of employment and monthly income.

The next stage of applying for a loan is to confirm the data by Kontomatik or make a verification transfer of PLN 1 (refunded after verification). Information such as the payment title and account number will be provided on the screen. This transfer is needed to verify ownership of the bank account and to verify the personal data provided when completing the form. If our bank account belongs to one of the accounts managed by Net Credit, the fee will be credited by the company within a few minutes. Otherwise, this time may extend to 24 business hours due to interbank transaction delays.

Available identification methods and supported banks are visible during the application. The identity can be confirmed via Kontomatik or a returned verification transfer of PLN 1.

After confirming the data, the assessment of the application begins. Depending on the result, a decision will be made to grant or refuse the limit. In case of doubt, the lender may contact the customer. Information about the result is provided via the panel, SMS or e-mail. The regulations provide for the activation of the limit immediately, no later than within two business days from the conclusion of the contract; Fast Cash service may also be available.

Repayment and extension of the loan repayment date

The debt on the card is repaid to the account indicated in the documents and the customer panel. The statement of operations contains information about receivables and deadlines. The required repayment amount must be paid on time according to the contract and tariff. In case of doubt, please contact the Customer Service Office. Early repayment of debt limits further use of the interest-bearing limit.

The limit agreement is concluded for 360 days and may be renewed for another 360 days under the terms and conditions. This is not a paid extension of the payday loan by 30 days. If there is a problem with repaying the required amount, it is worth contacting the company in advance at 22 598 77 99.

When may Net Credit refuse to grant a loan?

• is listed in one of the listed debtor registers
• Completed the application incorrectly or incorrectly
• does not have full legal capacity or does not meet the requirements of the regulations.
• is in arrears with the repayment of liabilities to Net Credit

Consequences of failure to repay the loan

Contact details

• Customer service office: 22 598 77 99, kontakt@netcredit.pl
• Address: ul. Grzybowska 87, Warsaw, NIP: 5272905634

Summary

Net Credit is undoubtedly one of the best companies that lend money online. A huge advantage is that they take their customers seriously, offering low costs for subsequent loans in line with the current offer. The card limit can be up to PLN 20,000, and the welcome offer includes the first period free of charge. This means that after the date specified in the loan agreement, the costs depend on the use of the limit and the settlement period; no fees apply only to the first period, and then a tariff is applied. The amount of the available limit depends on the credit decision. The payday loan application is completed very quickly and easily. The deadline for making the limit available is specified in the regulations. Repayments and renewal of the contract are made according to the card rules. Individual consideration of applications and offering lower amounts in case of doubts about the client's financial capacity are also commendable.