Online payday loans without a penny transfer can be found on the market, but their offer is limited. We have gathered a handful of information about what the solution is and what consumers should be interested in it. In the text you will find seven offers payday loans without BIK and without a penny transfer!

Cash loans online direct lenders from $300 to $4600

It is not difficult to find companies offering classic loans without bases. The problem arises, however, when we do not want to transfer a penny and at the same time that the lender verifies us in BIK. Cash loans online direct lenders can be ideal for many consumers. They combine the speed of inference and minimum formalities.

They will give you a cash injection when our bank account is empty and we don’t have perfect credit standing. The only drawback is the number of offers. Currently, there are not enough of them on the market. For this reason, we have compiled the best offers of payday loans without a penny without transferring a penny. This will allow you to choose the type of commitment appropriate to your needs and financial capabilities.

How to look for payday loans without BIK? The simplest and definitely the fastest solution will be to use the monthly payday rankings or online loans comparison. Due to the increased credit risk, the offer of loans without BIK and penny transfer is quite limited.

Solven – payday loan without a penny without a penny transfer of up to 5000 PLN for 30 days

The Solven company offers payday loans without BIK and installment loans. For the sake of convenience of clients, it uses verification without transferring a penny. After logging in via the appropriate application to your personal bank account, the system automatically compares our data with those provided in the loan application. After completing the verification process, it remains to wait for your application to be considered.

• The payday amount without BIK: from 300 to 5000 PLN for 30 days,
• Do you need to transfer a penny: no,
• Verification in databases: KRD, KBIG,
• Identity checking: application that verifies your data
• Borrower’s age: from 18 years.

Ferratum Money – payday loan without 1 grosze and BIK up to PLN 2,000 for 30 days

Filling out a loan application at Ferratum Money will only take a few minutes. All you need is an ID card, bank account number and telephone number. Automatic invoice verification via Instantor is a way to meet customers’ expectations. New customers applying for a PLN 0 loan will have to verify in the traditional way, i.e. by transferring a penny from their account.

• The payday amount without BIK: from PLN 100 to 2000 for 30 days,
• Do you need to transfer a penny: no,
• Verification in the following databases: BIG Infomonitor, KRD, ERIF,
• Identity check: Instantor service,
• Borrower’s age: from 21 years old.

Credilo – payday payday without BIK and transfer up to PLN 3,500 for 30 days

Credilo gives its customers a choice in terms of identity verification. When applying for a loan, they can choose whether they prefer to make a PLN 1 transfer to the lender’s account or undergo quick identity verification using the free Instantor service, which only requires logging in to a private bank account.

• The payday amount without BIK: from 100 to 3500 PLN for 30 days,
• Do you need to transfer a penny: no,
• Verification in the following databases: BIG Infomonitor, KRD, ERIF, KBIG,
• Identity check: Instantor service,
• Borrower’s age: from 22 years.

Super Credit – payday payday without transferring a penny up to PLN 5,000 for 30 days

The decision to grant payday loans in Super Credit is made within 15 minutes. Identity verification must also be faster than with a bank transfer. To check the credibility of its customers, the company uses the popular Kontomatik service and a traditional PLN 1 transfer.

• The payday amount without BIK: from PLN 100 to 5000 for 30 days,
• Do you need to transfer a penny: no,
• Verification in databases: KRD, ERIF, KBIG
• Identity check: Kontomatik service,
• Borrower’s age: from 21 years old.

POLO loan – online loan without a transfer of up to PLN 5,000 for 30 days

After providing basic data in the loan application at POLOżyczka, customers are asked to log in to their personal bank account. Thanks to the application, the borrower’s data is immediately transferred to the financial institution. After their approval and positive consideration of the application, the money is transferred to the client’s account.

• The payday amount without BIK: from 300 to 5000 PLN for 30 days,
• Do you need to transfer a penny: no,
• Verification in databases: BIG Infomonitor, KRD,
• Identity checking: application that verifies data,
• Borrower’s age: from 18 years.

Superrata – online loan without transferring a penny up to PLN 6,000 for 30 months

The maximum loan amount in Superrata may not be impressive. However, it is worth paying attention to the long loan period. Due to the fact that the offer is also available to people without a perfect credit history, the 30-month repayment period will allow for calm and timely payment of liabilities. Instead of a verification transfer, customers can use quick verification thanks to the Grosz Connenct application. Installment loans without income certificates are available to persons aged 21 or older.

• The payday amount without BIK: up to PLN 6,000 for 30 months,
• Do you need to transfer a penny: no,
• Verification in the following databases: BIG Infomonitor, KRD, ERIF,
• Identity checking: Grosz Connenct application,
• Borrower’s age: from 21 years old.

Efino – a penny loan up to PLN 10,000 for 24 months

Efino offers the highest loan amount in this ranking, as much as PLN 10,000, for which customers have one year to repay. The institution uses the Instantor service to speed up the data verification process. The applicant receives an e-mail and SMS with a decision within a few minutes. Furthermore, the institution provides loans as proof because it does not require certification.

• The payday amount without BIK: up to PLN 10,000 for 24 months,
• Do you need to transfer a penny: no,
• Verification in the following databases: BIG Infomonitor, KRD, ERIF, KBIG,
• Identity check: Instantor service,
• Borrower’s age: from 21 years old.

Transfer of penny as a form of customer verification

Verification transfer is the most popular way of confirming customer identity, which is used by non-bank loan companies. It is a solution even used by banks, including when applying for a cash loan. Confirmation of the data of the person applying for a loan or non-bank loan via the Internet allows you to determine whether the institution is not impersonating a fraudster.

Penny transfer is simple to make, unfortunately it takes time which is its biggest drawback. Waiting for the transfer to be credited can significantly extend the loan application process. You also need to have a minimum amount of money in your account. This seems a trivial issue, because the amount of the transfer is only symbolic (1 grosz or 1 zloty), however, the transfer will no longer be made, for example, by people with an overdraft.

A penny transfer is a standard way of confirming the applicant’s data, but not the only one. Currently, the verification can be done by a courier (who will provide the contract for signature), during a telephone conversation with a representative of the institution or through special applications, i.e.

More and more financial institutions are choosing this type of solutions. They are just as secure as a transfer, but faster and for many consumers much more convenient than a traditional bank transfer. Information on the verification method used by the company can be found in the online information form.