All posts by Julie Rapier

Payday loans online bad credit ok -Get a low credit payday loan online

Would you like to borrow an empty wallet? With many providers, borrowing is also possible.

We all know the unpleasant situation in which we need money quickly, but we do not have this at our disposal. Especially now with the economic crisis, this is a difficult but common situation. Unfortunately, not everyone has the opportunity to fall back on a savings account or family members. In such a situation you are dependent on your options to get an advance with your boss, or to take out a loan with a lender. The latter may sound tricky or even impossible, but borrowing can certainly be easily arranged in many cases. The choice for the lender plays an important role in this.

Getting a low credit payday loan online has never been this easy 

In order to find the right lender in your personal situation, it is important that you are well informed about the conditions that the various lenders apply. In addition to the legal conditions, there are also optional conditions that may differ per lender. The case here is often that larger lenders, such as banks, apply stricter conditions than smaller lenders. Therefore, when you want to apply for a low credit payday loan online,  you could try this out. The chances are that you will not have to deal with difficult conditions such as a credit check, paperwork or other difficult additional matters.

Borrowing via the internet with an empty wallet

You will find a lot of providers of accessible credits online. This is because these online lenders only lend small amounts and therefore use less stringent conditions. By choosing an online credit you can circumvent certain conditions, such as a blacklist check or showing certain papers. Another big advantage of online borrowing is that making an appointment is no longer necessary: you can save a lot of time by applying for your loan online. In this way, applying for a loan only takes 5 minutes and your application is always processed immediately.

How much money to borrow an empty wallet?

The amount of money that has to be borrowed always depends entirely on the situation. It is therefore also important that you yourself must be able to determine how much you want to borrow. With an online loa,n you can decide for yourself exactly how much you borrow and give your own interpretation of how you will spend the amount, but you have to take into account the limits set by the lender. With most online lenders you can assume a minimum of 50 euros and a maximum of 1000 euros. In some cases, it may be considered to take out a small loan and combine the money to borrow a larger amount from various online lenders. However, caution should always be exercised here.

So borrowing money from empty wallets can often be arranged, if it concerns small amounts. You can then easily arrange your loan application via the internet and therefore receive money quickly!

Assistance in Debt – How to Pay off Debts?

How do you pay off your debts and get effective debt assistance that applies to both bank and non-bank liabilities?

It is known that it is easiest to borrow money. Especially nowadays, when at every possible step we are tempted by various types of television commercials, billboards or advertising copies published in millions of copies. Money also as if they wanted to leave our wallet – we go to the store for one thing and come back with a few. This is one of the first steps to falling into the debt trap.

Of course, it’s different when one or two times a year we happen to spend more than we earn. Worse if this happens to us from month to month. Then we are already on the straight road to fall into the debt loops. Not being able to cope with the flood of expenses, we save by credit card, then with a cash loan. And when the bank no longer wants to give us credit, because it assesses our creditworthiness as low, we reach for non-bank loans and payday loans.

How to pay off our debts or help with indebtedness

pomoc w zadłużeniu

The most important thing is to specify exactly what debts we have and which we would like to get rid of. If it is mainly bank debts like cash loan, car loan, account limit or credit card debt, here is just one suggestion for me. All these financial liabilities can be combined with each other using a consolidation loan. As part of such a loan, any bank may put money to repay all of these liabilities and convert them into one loan, with one installment.

What are the main advantages of such a solution? Above all, smaller monthly liabilities. We will now pay for all these loans less than we have paid so far. For example, if the sum of all bank liabilities so far cost us 1500 PLN each month, now is the chance that we will pay a monthly installment of 900 or 1000 PLN. Of course, we will extend the repayment period, but we will not have to spend each month to repay loan installments, more than we can earn. I think the advantage of this solution is also the fact that we can take such a consolidation loan at any bank. So not necessarily the same in which we have loans. Thanks to this, we will be able to look for the most advantageous offer of consolidation loan and opt for one that will have the most favorable terms.

What kind of debt help can banks offer us? As part of the consolidation loan, we can obtain high amounts of loans. Some banks are able to provide up to PLN 200,000 as part of a consolidation loan. The repayment period of such a loan usually can not be longer than 9 or 10 years. Of course, both the amount of such a loan and the number of installments to which it can be spread depends mainly on our creditworthiness. Unfortunately, I may be worried about people with debts in the form of non-bank loans, but consolidation loans are granted exclusively for the repayment of bank liabilities. They can not be used to repay non-bank loans or payday loans.

How to pay off non-bank debt?

How to pay off non-bank debt?

The best way to repay the debt in the form of payday loans or other loans from non-bank companies would be to reach for a loan via a bank. Unfortunately, banks do not give loans to get out of debt, they also do not give loans to indebted people. The only possibility of obtaining support from the bank is to take out a cash loan or a mortgage loan. However, it requires a positive credit history in Retro (Credit Information Bureau). Therefore, it will not be obtained by people who had previously had problems with timely repayment of bank loans or loans. Each delay in repayment of a loan or other bank commitment generated a lower point score in Retro databases. And such an assessment is one of the main determinants when granting bank loans.

A somewhat alternative in this situation may be long-term non-bank loans, for which Retro databases are not checked. Such loans, however, are very expensive solutions, the more that the high loan amount is usually needed to repay the debt. And high non-bank loans are associated with high costs that must be incurred. Distributed in installments, but in a general statement characterized by the fact that they are once again such as the amount borrowed.

Well, unless we use the offer of a company that has a loan with a miro in its offer. Such a loan may have a lower cost, provided that we use the services of a proven company and choose a relatively short repayment period. The advantage of such a loan is certainly that it can be obtained by people who are in a difficult financial situation, but also having a negative credit history in Retro databases or debtors’ registers. What’s more, this loan can also help us if we are in danger of being bailiff. So he does not have to have the ability or credit history, it is important that our sponsor is a person who has such aspects.

Additional work to fight debt

Additional work to fight debt

In addition to consolidating liabilities or spreading the repayment of debt into installments, it is worth considering other options to fight debt. We can look for additional income, thanks to which our financial situation will improve. If we work 8 hours a day, let’s think about it to take some extra hours to earn an extra penny. At this point, we should think about what we can do and how we could use it to achieve additional income. Maybe an extra job as a driver, maybe some orders that we could do online? They posted on their blogs very powerful articles on the fight against debt, which are definitely worth reading. Maybe thanks to them you will find your own way to effectively get rid of debt.

Release of the fifth legislation


If you are interested in the Cession of the Fifth it is good to be aware of the legislation. It is very important to know well the chosen product, its characteristics and the law what it imposes for this type of personal loan on a legal level. Let’s look at the different cases point by point together.

Assignment of the Fifth Regulation: in this mini guide, we will try to help you understand how to act on a legal level with the assignment of the fifth, it is also good to know what the obligations of the employer are , and the judicial safeguards .

Assignment of the fifth: judicial framework


In the category of personal loans , the assignment of the fifth is part, in fact we find it framed in the art. 1260 of the Civil Code, which provides for the granting of credit to third parties for consideration or free, for those who are in possession of it.

The transfer of the Fifth is regulated by Presidential Decree number 180 of 5 January 1950, and also by the implementing regulation of Presidential Decree number 895 of 28 July 1950. Within the DRP number 180 there are the laws 311/2005 and 80/2005.

The law allows employees and pensioners to take advantage of the rights on the assignment of the fifth salary or pension.

Assignment of the fifth salary: the obligations of the employer

Another strong point that the law provides for the assignment of the fifth salary is the obligation of the employer . In fact, the employer must necessarily accept the loan application by means of the pay check.

The employer has the task of verifying and ensuring that the value of the monthly payment requested on loan, is not greater than 20% of the net salary, considering family allowances, overtime, and other possible extras.

Delivery and rates

The regulation of the assignment of the fifth establishes that the financing must be provided through the cashier’s (non-transferable) checks made out to the customer or by bank transfer to the bank account of the client who has applied for the loan.

The interest rate and the installment will remain unchanged for the entire duration of the loan (also called amortization).

Regulations for the assignment of the fifth for compulsory insurance

To protect the bank or financial institution that will provide the loan, the law establishes that, together with the signing of the contract for the assignment of the fifth salary, an insurance contract must be signed, so as to offer greater guarantee to the bank or the financial institution .

The insurance contract will also protect the family members of the applicant, in fact if it should happen a pre-eminence , the insurance company will have the obligation to pay the debt to the bank, replacing the deceased person. The insurance institution also has no right of recourse on the deceased’s family.

Assignment of the fifth: what happens in case of termination of employment

Unlike in case of loss of work and difficulty in finding another, the insurance company will initially pay the installments by compensating the value to the bank or the financial institution, but the principal debtor will still remain the holder of the loan and the company will turns to him anyway.

If the borrower should find a new job within 6 months , the bank or the financial institution, will notify the new employer that there is a transfer of the fifth in place, so he will communicate to the new company the installment of the transfer of the fifth in progress, as a result the installment will continue to be retained on the new paycheck. For this case, obviously, the insurance company will not make any intervention.

Double assignment of the fifth of the salary

If you need a value that would be more than 20%, we suggest the double transfer of the fifth salary . The law grants you up to a maximum of 40% of the net salary through the payment of two installments of 20% each.