Your car suddenly stopped working and the last savings went into renovation? You don’t have to worry, in an emergency you can count on a quick loan. Most importantly, you can complete all formalities online. Stand calmly in line to the mechanic, all you have to do is take a mobile device with network access with you. You can get a loan even in 15 minutes. You now also have a loan with a light installment from Across lender.
Across lender – information about the company
What’s more, the company is listed in the PFSA register, so you can be sure that it works completely legally. In addition, it is associated in the Polish Association of Loan Companies. The company is also distinguished by an SSL certificate, which certifies data security.
Cream Credit primarily focuses on honesty and transparency. This translates into her approach to the client. All information on loans is public. On the loan page, using the calculator, you can calculate the exact cost of your commitment. What exactly does this company offer to borrowers? Do its services stand out in any way from the competition?
How to take a loan from Across lender?
As with any non-bank company, you must apply for a loan at Good lender. Using the slider you can choose the loan amount and repayment period.
The amount of the monthly installment will then be automatically given. If you decide that you like this offer, you must confirm the loan parameters and then fill in the fields regarding personal data.
What information will I need to get a loan from Across lender? As it turns out, in reality there are few. It will be primarily:
- first name and last name,
- Social Security,
- country of birth,
- Phone number,
- e-mail adress.
You will also need to approve the regulations for the provision of electronic services.
Who can take out a loan at Across lender?
A loan at Across lender will only be granted to people aged 21 to 72. In addition, they must show a positive credit history, which mainly boils down to the lack of entry in the register of debtors. Therefore, it means that this is not a loan without Retrodatabase. Therefore, if you had a problem with repayment on time in the past, it is possible that your loan application will be rejected.
The borrower should simultaneously have his own bank account and register on the official loan form website. When he does, he still needs to activate the profile by using the Instantor service.
What does customer verification at Good lender look like?
Anyone who applies for a loan will undergo initial verification. What does this mean in practice? The client will be checked in the Credit Information Bureau (Retrodatabase) database as well as other debtors’ databases. If you have a positive credit history, then most likely there will be no problem for the loan to be granted.
Across lender has introduced a fast credit risk assessment system and automated data analysis. As a result, the verification of borrowers is efficient and the decision to grant a loan is issued even within 15 minutes of submitting the application.
Loan repayment at Across lender
Repayment of the loan in Cread Credit should take place according to the set repayment schedule. The borrower can decide for himself how much installment he intends to pay back.
Unfortunately, we cannot postpone the repayment date specified in the schedule. Moreover, it is also not possible to change the payment date set in the schedule. You should therefore have this in mind when you apply for a loan.
You can easily repay the loan earlier. The borrower can do this at any time. After repayment, the borrower can apply for a new loan. It is not possible to have two active loans at the same time.
A loan at Across lender – pros and cons
Cream Credit is one of the few companies in Poland that offers a loan of up to USD 40,000 and is completely online. Therefore, it seems that this is its basic advantage that distinguishes the company from the competition. What are the other benefits of loans at Across lender.pl?
Advantages of a loan with Cream Credit:
- the application can be submitted online,
- high loan amount,
- fast loan granting time – if you have an account with the same bank that supports Across lender.pl, the funds are booked up to an hour,
- transparent conditions.
However, the loan at Across lender also has its drawbacks. What are the main ones?
Disadvantages of the Across lender loan:
- no possibility to postpone the repayment date,
- age restrictions,
- loans will not be granted to people in debt and those in the Retrodatabase.
Across lender stands out above all for its high maximum loan amount. If you decide to take advantage of its offer, you can receive up to 40,000 USD. Remember, however, that you will be thoroughly checked in the debtors’ databases. If you appear on one of them, your loan application will be rejected.