Crediko’s consolidation loan makes it possible to obtain the best consolidation offer from among 10 banks at the same time.
Although not everyone is aware of this, consolidation of loans may turn out to be a very good solution when we repay several different loans at the same time. Provided that we check the offers of several banks and choose the most advantageous one among them. However, we do not have to do it ourselves, because Crediko’s offer can help us. It is not a bank, but a company that can help us obtain a consolidation loan at the bank
Although Crediko myself had not yet had the opportunity to devote a space in the form of a separate article, I partially raised the subject of the company during the publication of an article describing effective ways to fight debt. There, in a few basic words, I explained how a consolidation loan can help us, if the installments of several loans are too high a financial burden for us.
Consolidation of loans by Crediko
Let’s start with what credit consolidation can give us? Thanks to this consolidation, we will combine several different loans into one and we will not have to remember to pay several installments a month and only one installment. This is obviously not the most important asset of a consolidation loan, because the main point from which we will derive the greatest benefits lies in the fact that we will also lower the costs of these several loans. Thanks to this, our monthly loan repayment burden will be smaller and no longer as painful as it used to be. Consolidation may cover both cash loans, car loans, installment loans or overdrafts (limit or overdraft in the account) or on a credit card.
What is the main difference between applying for a consolidation loan in a traditional bank and submitting the same application in Crediko? Well, Crediko will apply for such a loan on our behalf to 10 banks at the same time. Thanks to this, it will find the most favorable loan consolidation offer for us. Of course, we could do the same by applying for such a loan using online applications. But… not only that it would take a lot of time for us, we could reduce our score in BIK databases through such queries. And this may later lower our chances of getting a consolidation loan.
Initial decision in 24 hours
Getting credit analyzes for a consolidation loan usually takes up to several days, while submitting an application through Crediko may shorten this time to 24 hours. It is worth knowing that Crediko will not charge any additional fees from us, even if we use the offer of one of the banks whose offer has been presented to us. The company’s activity is based on the principles of a financial intermediary, who charges a commission from the bank for its activities and not from us.
Crediko a BIK. Consolidation loan
The Crediko consolidation loan offer is addressed only to those people who have a positive credit history in BIK databases. Therefore, they can not be persons who have debts and significant delays in repayment of bank loans. It is also important to have adequate creditworthiness to obtain such a loan. The monthly loan installment can not be too much of a financial burden for us. This is also known to the bank, which will make its amount dependent on the income we obtain.
Documents needed to obtain a consolidation loan
The basic document needed to consolidate the loans will of course be an ID card. It will also be necessary to present a current certificate of income obtained. The document being a certificate of income must specify their amount, source, and if we have a fixed-term employment, also the date of the end of the contract. If, after submitting these documents, the bank decides that our creditworthiness is appropriate, then we will be asked to present loan agreements that we would like to consolidate.