The growing loan industry does not owe this situation to only one group of clients. Although online loans are constantly gaining popularity, it is still not the only form of borrowing money that is gaining attention. It’s worth exchanging phone calls here. Which companies are providing them?
Who offers payday loans?
Considering the diverse tastes of consumers, there are a lot of companies on the loan market that have in their offers the possibility of borrowing by phone. Conditions and rules for obtaining a commitment in this way are of course differentiated and set individually. It is worth adding that in this group there are mainly large companies, enjoying the trust of customers and an established position.
Among the many factors that explain the popularity of loans in recent years, convenience is the key. People are increasingly looking for a commitment, looking at loans and payday loans, because they can be obtained quickly and without a lot of effort. In contrast to the classic bank, you do not need to search for a stationary facility, devote time to travel, often waiting in the queue and signing or presenting many documents.
Loan companies are trying to offer the most simplified application and verification stage. Besides, the advantage of many loans is to be able to get them without leaving your home. And in fact, there are many companies on the market that do not require the customer to move from the place to successfully obtain the expected loan.
Therefore, by rejecting the stationary minutes that you receive at the beginning, there are therefore short-stays by SMS and payday notes on the phone. And this group of the latter will be described in today’s text.
Waiting for a call – how does it work?
The method of getting a payday phone is still popular among consumers who are suspicious of electronic finance services or simply – they do not have access to the internet or the computer at any given time. Instead of a mouse and a computer, they prefer to pick up the phone and apply for a loan through a phone call.
The operation of such a service is quite simple. Instead of clicking on subsequent commands on the monitor screen, the consumer connects directly to the company’s consultant. Ten, he talks with the willing for a loan. Instead of entering your details into the form, the consumer provides verbally needed personal data – name, surname, address, PESEL number or telephone number.
In addition, there should be other verification data, standard for the loan application. In turn, these are most often information about earnings, seniority and the form of the contract, what this employment relationship regulates.
The advantages of this method
Mentioning the reasons for the ongoing popularity of payday telephones, it is worth concretising the issue of advantages and disadvantages of this method for borrowing money.
- You do not need to leave your home and make appointments with company consultants.
- All you need is a mobile phone and possibly a card with saved personal data.
- The process is fast, safe and convenient.
- In case of any doubts or questions, you can discuss them on a regular basis during a conversation with an employee of a loan company.
- In the case of not being a new customer of a given company, the verification stage is omitted, which makes phone calls even easier to obtain.
Disadvantages of payday loans on the phone
However, it is impossible to ignore the issue of defects that you need to be aware of before applying for a phone.
- The connection is paid, and the costs of the conversation can be much higher than for other calls.
- Many companies offer loans to the phone only for second and subsequent customers, which significantly limits the coverage of this service for new borrowers.
- If the lender allows the giving of payday loans to new customers, then he will still have to verify the consumer’s data using a different method – the Internet. Obtaining a payday on the phone is then impossible, because it is necessary to use a computer.
- In addition, more and more loan companies offer payday debts over the internet, which provides an automatic algorithm. As a result, they can be obtained 7 days a week, 24 hours a day. In the case of payday loans for a phone call, getting money is only possible on business days when the company’s consultants work at certain times.