Online loans from Zaplo

Current promotions

• Free returns within 30 days - Zaplo offers all its customers a promotion thanks to which every loan returned in full within 30 days will be a free loan. This means that by borrowing, for example, PLN 15,000, we pay back exactly PLN 15,000 without additional fees within 36 months. This promotion is intended for customers who took out a loan from Zaplo and, for any reason, changed their mind and would like to return it. However, nothing prevents you from treating such a promotion as a significant "payday loan" for 36 months.

Requirements and documents

Applying for a loan at Zaplo is very simple. The only documents required are an ID card, a Polish bank account number, which will be used to confirm registration and receipt of the loan, and a telephone number. To apply for a loan you must be at least 21 years old. When applying for a loan from Zaplo, you do not need to present any additional documents. The institution nevertheless reserves the right to present a document confirming receipt of income, e.g. a certificate of earnings, a bank statement, etc., especially for amounts above PLN 5,000. Zaplo does not require or ask for a scan or photo of an ID card or any documents. Any requests of this type should be agreed or reported by calling 221 333 888.

Registration and application

Applying for an online loan begins with selecting the loan amount you are interested in and the time for its repayment. A simple loan calculator will help us with this, as it constantly displays information about the selected amount, the amount of the monthly installment and the total amount to be repaid. After selecting the interesting value and the number of installments, click I want a loan and proceed to filling out the loan form. Zaplo only asks us for basic data from the ID card and information about earnings and other liabilities. In case of credit risk, Zaplo may ask for a document confirming income.

The next stage of applying for a loan is to pay a registration fee of 1 grosz to the bank number indicated on the screen. This transfer is intended to confirm ownership of our bank account and personal data. It is important that the transfer is made from an account created with the same personal data as provided when applying for the loan. If you have a bank account in a bank other than those used by the lender, the registration confirmation time may extend to the next business day due to restrictions on interbank transactions. Another, more convenient solution is to use the INSTANTOR automatic customer verification system. Thanks to this system, zaplo can instantly verify their identity using their bank account without having to transfer a registration fee of PLN 1 and without income certificates.

Once the registration fee is posted by Zaplo, the process of verifying the application and credit decision will begin. In case of doubts or low creditworthiness, a Zaplo consultant will contact us to ask additional questions or propose a lower loan amount. Information about the granting or refusal and detailed information about the loan repayment process will be sent by e-mail. If the loan is granted, the money will be transferred to the account from which we made the registration fee.

Repayment and extension of the repayment deadline

The loan is repaid by monthly payment of the appropriate amount to the Zaplo account. You will receive instructions and individual data needed for the transfer in an email after the loan has been granted. You can also check all the necessary information by logging in to the customer panel. If you want to extend the loan repayment time, log in to your user panel and follow the instructions on the screen. The extension involves paying the appropriate amount to the Zaplo account. The cost of extension is up to 20% of the monthly installment that should be paid. Installment repayment can be deferred up to 6 times. It is possible to repay the entire loan amount at any time.

Loan denied

• He does not have Polish citizenship
• appears in any debtor registers
• under 21 years of age or over 70 years of age.
• has other liabilities towards 4finance Group (Zaplo, Vivus)
• completed the registration application incorrectly

Consequences of failure to repay the loan

• Telephone call – PLN 5
• SMS message – PLN 2
• Letter of request – PLN 15

The total amount of calls per month will not exceed PLN 22. If actions aimed at calling for payment of arrears prove to be ineffective, the lender has the right to transfer the debt to debt collection and seek repayment of the loan through court proceedings. The costs of the legal investigation will be borne by the borrower.

If the conditions specified in Article 14 or 16 or 17 or 18 of the Act of April 9, 2010 on the provision of economic information and the exchange of economic data (Journal of Laws of 2014, item 1015, as amended) are met, the Lender has the right to provide information about the Borrower's liabilities to the Economic Information Bureaus, which may affect the creditworthiness of the Borrower. Borrowers.

Contact details

• Customer service office: 221 333 888, kontakt@zaplo.pl
• Address: ul. 17. Stycznia 56, 02-146 Warszawa, NIP: 521-366-08-75

Summary

Zaplo is one of the best online loan offers, although it offers standard conditions. It operates successfully in several European countries. Thanks to its flexibility, it has gained many supporters. Noteworthy is the very high amount of the first loan, amounting to PLN 15,000. The maximum loan period is 24 months. The application can be completed online without any problems. Customer verification is carried out using the modern INSTANTOR system, so the customer does not have to transfer PLN 1 to confirm his identity and does not have to present proof of earnings when required. To obtain a loan you must be at least 21 years old. We can certainly recommend Zaplo to anyone who needs more or less cash for a longer period of time.