Banks that offer easy loans are banks that can lend from 30,000 USD to 60,000 USD and offer a maturity of up to 60 months. While these banks do not request any documents from the person for loan application;
They also do not demand that the person show a guarantor or mortgage a property. In addition, some receive a loan allocation fee in addition to the loan received from the person.
This fee can be 0.5% of the maximum loan. In other words, it is not possible to charge a loan allocation fee of more than 50 USD from a person who has used 10.000 USD.
Requirements for Using Uncredited Credits and Evaluation Criteria of Banks
The conditions for using credit without documents and the evaluation criteria of banks are as follows:
- A detailed review of the person’s credit rating is initiated. All of the information such as the financial history of the person until now, whether there is any late payment, under what conditions and which credits are used are examined in detail.
- Although no income document is requested from the person; Since the person’s insurance service breakdown and tax plate are examined through e-government, the person’s income status information is mastered.
Most Suitable Consumer Loans Without Documents
The most appropriate general purpose loans and calculations are as follows:
- A person who receives a 10,000 USD paperless consumer loan from GFI Bank with a 60-month maturity; 230 USD monthly installment. The interest rate applied to the loan of the person; It is 0.94% and the total amount that one has to repay is 13.815 USD.
- A person who receives a 10,000 USD paperless loan with a 60-month maturity from Thrift Bank; 227 USD monthly installment. The interest rate applied to the loan of the person; It is 0.89% and the total amount that one has to repay is 13.595 USD.
- A person who receives 10,000 USD paperless loan from Good Finance Bank with a maturity of 60 months; should pay 270 USD installments per month. The interest rate applied to the loan of the person; is 1.45% and the total amount that one has to repay is 16,200 USD.
Withdrawing Credits Without Encouragement With Good Credit
Here are some things to know about taking credit with Good Credit :
- It is possible to withdraw up to 30.000 USD.
- Additional fees, such as any file or insurance costs, are not requested from the person.
- Up to 60 months, the maturity option is offered to the person.
- Whether the person is a Good Credit customer does not matter. It is possible to open an account on Good Credit without having to go to the branch.
Withdrawing Credits Without Guarantee With Honest Bank
Here are some things to know about taking non-documented loans with Honest Bank :
- N is a loan given under the name Easy Credit.
- During the loan application process, no documents are requested from the person and the person is not asked to come to the branch in order to open an account with Honestbank. A courier is directed to the person.
- It is possible to use credit up to 30.000 USD.
- Persons are offered a choice of up to 60 months.
- Under the name of the allocation fee, an additional fee of 0.5% of the loan amount they take is charged.
Withdrawing Credits Without Guarantor With Thrift Bank
What you need to know about Thrift Bank withdrawing uncredited loans are:
- The person is given the opportunity to withdraw up to 30,000 USD.
- He does not charge the file cost of the loan he/she has received from the person as an additional fee. However, the insurance covers the person himself.
- If no account Thrift Bank services created by the Good Finance Bank, or at the same bank for online transactions; In order to open an account, an officer is sent to the person’s location.
We recommend you to read our previous article, Across Lender Bank Instant Loan Application. You can browse the topics that may be of interest to you in our Consumer Loan category.