Verification can be carried out using an ID card. Simply enter the required details from your ID document, entering them in the appropriate boxes for the payday application. Usually these are first name, last name, PESEL number, document number and series, or date of birth. Because of concern for the security of personal information, it is worth providing only necessary information about us. People do not realize that using an untrusted internet connection or setting a password that is too weak can really hurt themselves. Sometimes you may be required to send a copy of your ID card. This situation usually occurs when there are various types of ambiguities that should be explained as soon as possible. It can be, for example, an attempt to conclude a loan agreement for a stolen document, i.e. simply signing the agreement using the data of another person. Unfortunately, such situations still happen.
The second way to verify borrowers is by bank transfer. It should be made from a personal bank account – a transfer from the account of a wife, brother or friend is not acceptable. Why? The bank wants to verify the customer’s personal data, so it needs a transfer from the account of the person applying for the money. The transfer is small, therefore it does not affect the home funds in any way. Usually its amount is 0.01 grosz or 1 zloty. A customer who has a bank account in the same institution as the lender can count on express consideration of the application. It is different in other cases, where you will have to wait until the next business day. This is not a long period compared to waiting for a response in the bank, but sometimes hours count for us. We would like to get the money as soon as possible, but verification cannot be skipped. You have to follow the established rules, otherwise you will lose the chance for money.
Increasingly, we have the choice to verify using Instantor services. It’s a great way to verify Poles who choose to borrow from non-bank companies to support their budget, which just needs help. Instantor not only verifies the data, but also estimates the borrower’s creditworthiness. The lender finds out if the customer has the option of paying the debts on time. The customer does not have to agree to the use of the Instantor service, but then he will be obliged to make the transfer. The choice is up to the individual, but you should know that Instantor is a fully automated service that significantly reduces the time you need to spend waiting for your decision. You should not be afraid of entering your data because special encryption technologies are used that prevent them from being intercepted by third parties.
While filling out the application, you will definitely notice that you need to provide your mobile number. The lender can use it as another popular verification method. When to expect a phone? Unfortunately, this is never completely known. This can occur immediately after submitting the completed form, or maybe only after a few hours. It all depends on how many customers are applying for a loan at any given time. Of course, it’s best for a loan company to get in touch as soon as possible, otherwise it can be negatively assessed. Her position in rankings, such as the porfel ranking, will fall quickly. During verification by mobile phone, the lender usually asks again about the basic personal data to confirm the information entered in the application, and if necessary asks for other details that interest him.
Registers of debtors
Registers of debtors are another way to check potential borrowers. Anyone who has had a problem with the loan repayment on time, or has not been able to pay it back, may have some concerns. Loan companies, like banks, do not want to cooperate with people who cannot be trusted in terms of payments. Registers of debtors provide reliable information so that the lender can immediately decide whether he intends to grant a loan to a person or not. The most frequently used databases include BIK, ERIF and KRD. Even if the loan company advertises its loans as “loans without bases”, it certainly checks clients in one of the other registers.
Proof of income
An income certificate is not required by every non-banking company. However, if it turned out that the selected lender requires proof of earnings, you must either send him or show him as soon as possible. The more information the customer receives about the customer, the easier it will be to assess what loan it can give him so as not to significantly affect his budget when he has to pay it back.
Customer verification is a must that loan companies cannot opt out of. Otherwise, they would never be sure whether the client would be able to return the commitment or not. It is also a way to confirm the data of a person who is seeking financial support – thanks to this the company can be sure that the loan was not taken out of the stolen ID card.