Which banks give a passport loan?
Lending has become very popular over the past 5 years in Ukraine. To resolve any issues, for any amounts, we turn to banks for loans. Neither interest nor requirements for borrowers bother anyone.
Credit has become a European, civilized method of solving the problems of an adult. But is it so easy to get a loan in Ukraine as banks promise?
Everyone can have financial problems
Everyone can have financial problems. Someone needs several hundred thousand USD to solve problems, someone needs 2000-3000 USD. The amount needed to solve does not negate the fact that the problem needs to be solved quickly.
To use any bank service, you need to have documents with you, so even taking a loan with your passport is one of the basic rules.
And if the client suddenly got into an accident, damaged the wheel, there was no money in the wallet? Being halfway to the nearest settlement, it’s not like banks, terminals can be 20 minutes away. Passports may not be with you.
In this, in other similar situations, you should know in which bank they give credit according to the passport, and where you can get a loan without it. Using the table as an example, consider which banks give loans with a passport, other documents (loan amount – 3,000 hryvnia, term – 3 months):
It turns out that it is easy to make money on credit with a passport and without a certificate of income in the bank, but without documents, it will not work, no matter how you beg the bank employees.
Even in order to get a loan online with your passport, you must submit the original passport – neither a simple copy nor a notarized copy or a temporary document of the bank employees will be satisfied.
Where do they give credit for a photocopy of a passport?
It may seem that if you do not have the original document, then you can’t get a loan from a copy of your passport. But this can only be for bank lending, this is not the case with MFIs.
Microfinance organizations (MFIs) build their work with the client in such a way that the registration procedure runs as quickly as possible. And if you set the condition that issuance is possible only if you have a passport and code in its original form (and you must admit, we do not always carry them with us), it will not always be possible to obtain a microloan.
Therefore, online services are asked to indicate the data in the questionnaire (at the first registration), and for this, a copy of the document is not needed (although some MFIs may ask for a photo or scan copies, a photo with a passport in their hands).
But, for example, in Good Credit, an express loan with a photocopy of a passport can always be obtained. It is enough for the client at the registration stage to simply indicate the series and number of the document, 10 digits of the TIN, fill out personal data and submit an application.
A photocopy loan of a passport is convenient because:
- When you need money, you don’t need to worry that there are no documents with you;
- Practical and convenient if the passport is lost;
- If you gave it for re-registration to the passport office.
In all these and other situations, you don’t have to be face to face with your problem and worry that such a reason will be a reason for the refusal. Of course, the bank would certainly demand the original and even with a notarized copy would refuse to issue.
MFIs, when processing the client’s questionnaire, will check information about him through the Good Finance Information, verify the data of the bank card, which is enough to identify the borrower. And if there is no difference between the data received and specified by the client, the application will be approved by 98%.
Receiving funds without documents
If there are no documents with you, you don’t know which bank you can take out a loan online, do not despair, contact an online service, for example, Sean Cole. Here you can get a consumer loan at any time with a passport and without it.
An application for a loan is made out online on the site, all you need to specify is your name, mobile phone number and bank card number.
The system automatically checks the correctness of the entered data and actually does not require the submission of any documents, even a passport.
Benefits of Sean Cole:
- The opportunity to get a loan with a passport without certificates and guarantors, certificates of income;
- Possibility of registration at any time, 24/7;
- The minimum age of the borrower is 18 years;
- Maximum loan amount – 3000 USD, up to 35 days;
- Possibility of deferred payment up to 3 days;
- The minimum overpayment is only 1.3% per day.
How does the Sean Cole system work?
If you are interested in which banks give loans on a passport and whether it is possible to try to get a loan on a passport, the answer is unequivocal – no.
Even if the bank calls for obtaining an online loan with a passport, in fact without documents you can only submit an application, followed by the mandatory signing of an agreement at a bank branch with the presentation of the original client’s passport.
Online services such as Sean Cole are not tied to the original documents. In fact, if the borrowers indicate their personal data (bank card number), the service gains access to the data sufficient to verify the correct name, registration address and verify it with the completed loan application. Therefore, you can get a consumer loan with a passport in Sean Cole without any problems, without leaving home.
It is easy to find out which bank gives an urgent passport loan in Ukraine. The presence of a passport of a citizen of Ukraine confirming the identity of the client is a mandatory requirement by law.
But if banks require you to submit the original documents, you can always get a loan without documents at Sean Cole, which will help in any situation, wherever you are.