Unexpected sudden expenditure can happen to us anytime. We may also be in need late in the evening, at night or during the weekend. Then 24/7 online payday loans are the last resort.
The main advantage of instant online loans is a quick execution. The verification process takes a very short time and if we only provide the document required by the borrower, the necessary money can be found on our account in a flash.
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The problem, however, is that usually short-time companies also work at certain times, generally between 7.00 and 22.00. If we apply for a loan outside of working hours, we must reckon with the fact that we will receive the money at best the next day (if we apply for it in the evening or at night, and of course if it will be beneficial for us to verify the application).
Fortunately, more and more loan companies also work on Saturdays and Sundays for a dozen or so hours, which significantly extends the range of possibilities of their potential clients, because we are not forced to wait for a loan until Monday.
The group of companies offering 24/7 online loans is also systematically expanding. However, we should remember that even if a given company declares 24/7 service, unforeseen circumstances may occur which will delay the positive examination of the borrower’s application, for example, problems with checking the applicant in databases such as the Credit Information Office (BIK) or the National Register of Debtors (KRD) ). If we do not want to worry about whether our night loan will be delayed due to the sluggish verification of our credit history, let’s choose those loan companies that do not check their potential clients.
It should be remembered, however, that checking bases can be done online, so if the lender already undertakes work 24 hours a day and does not want the signboard 24/7 payday to be just an empty phrase, then, as a rule, all steps to make decisions on granting payday loans will be designed so that this decision is taken as soon as possible.
However, the application for a cash payday loan via the online form can be completed at any time, at any time of the day or night – the lender website https://www.onepayday.com/ is non-stop. It is another customer service office that can be open at different times – during traditional business hours or extended working hours – for example, until 23.00. However, several companies work around the clock and if we really want to get some money quickly and even in the least convenient hours from the point of view of human activity, we should definitely choose those non-bank companies that work 24/7.
Short term work – requirements
Applying for a 24/7 loan at night involves several mandatory elements. If you apply for payday loans at night, remember to have:
· Internet access;
· access to electronic mail and a personal account at one of the Polish banks where the account is held by the lender;
· ID card;
· own cell phone;
· bank statement with documented financial impact;
· scan of a utility bill;
· and other documents required by the lender.
A very important condition is having a personal account in the same Polish bank as the lender because you can only get a loan in a short time on the same day or on the same night (this also applies to weekends). It is possible thanks to the so-called instant transfers within the same bank (the vast majority of banks also make such transfers on Saturdays and Sundays). Usually, loan companies work with several banks to be as flexible as possible for their clients. Of course, we can also choose a 24/7 loan in a non-bank entity that does not have an account in the same bank as we do, but then we must be aware that the time of real receipt of funds will significantly increase.
Payday loans in the morning, or so-called payday loans
A very friendly and convenient option for potential borrowers is the so-called payday loans, which loan companies usually provide early in the morning. This is a great proposition, provided, of course, a person can afford to wait with a cash injection until the morning.
As the name suggests, the only document you need to get a loan is an ID card. An appropriate statement should be attached to it. In such cases, the verification time of the applicant is 15 minutes, all with a very high percentage of grants.
To sum up, 24/7 payday loans are the sector of non-banking companies that is still developing and which still has reserves. When applying for a loan at night or during the weekend, first of all, you need to pay attention to the hours in which the lender’s customer service office works and whether we have a personal account in the same bank as our potential lender. See how this case looks.