Legit online loans for bad credit -Call us for loans w bad credit

The loan with bad credit we pay to our clients helps them in difficult financial situations. Then when everyone turns their back on you, we will certainly help you. At our service, we make a decision on how to pay your debts quickly while still sleeping peacefully.

When you feel like there is no way out and that everything around you is black, our offer of a personal money loan will be paid directly to your checking account at the bank.

Need money now? Call us for loans w bad credit

To solve financial problems, it is enough to gather your will and courage and to contact us for loans with bad credit, and leave the rest to us. We do not operate in the black market or to deceive you. We are a proven company whose services are used by a large number of citizens across the EU and the world.

The personal loan online is paid out exclusively in kuna and in cash. After submitting the signed documentation, the money will be deposited into your checking account. In order to do business with us, you must meet the minimum conditions we have set for you. First of all, you must not have a protected or blocked account to which you get paid. With a deadline of up to 12 months, set a budget to pay for the expenses and debts that have accumulated for months.

A personal loan online is a trusted and proven service

Our services are used by a large number of people, which proves professional work and approach to every request and problem. With the aim of concluding business for mutual satisfaction with each client, we have an equal relationship without dividing it by items and basics.

A personal loan online can be applied for by an adult who is employed. Unlike your bank, we will not ask you for the employer, notary certificates, we will not check you for being blacklisted.

Transparent review to personal loan online

We do not hide costs.

There are two ways of raising a loan with us:

  1. Option “I have a Guarantor” (refers to the fact that the person applying for the loan must have another natural person, the so-called personal guarantor, who will guarantee their income that the loan will be repaid in a timely manner)

If the person applying for the loan does NOT want a GUARANTEE, he / she uses the “I do not want a Guarantor” option, which implies that he/she wants to use the service of SIA DEP, which is our guarantee (guarantee) partner, and in this case also acts as a Guarantor, but not a personal but, rather, a “legal and professional” Guarantor, ie a legal body.

What is clearly visible on our site is all the costs that come with a personal loan online and all the costs the client returns in monthly installments. We do business without lying and small sentences, we do not use tricks and promises that are not true.

Don’t let old debts and the inability to pay bills affect your life and your mood. Contact us with confidence as it is never easier to get a personal loan online.

SMS loans for the holidays are a bad idea even if you borrow for free

They reasoned that it would be better to live a little in a month after the trip and pay back the money later when the salary comes. This would then be better than buying the trip through some expensive installment plan.

Of course it is true and if you have no problem paying back the loan when the salary comes then it could be an idea compared to the installment. But the thing is that you should never buy a trip on any expensive installment so if you do not have the money you should not travel but be content with the Swedish sun.

Then it is probably quite common that people who come home from the holiday do not have fat directly in the account. Money has a tendency to fly away when you travel, which means that the following month can be quite tough and if you then have to repay a loan it can also be a problem.

Why Lenders Offer Free Loans

Why Lenders Offer Free Loans

One thing to keep in mind is why lenders offer their customers to take out a free loan the first time they become customers. It is not straightforward that they do this to be kind to the borrowers, but they obviously expect to profit from this.

The idea is that you will then come back to them as a customer and then pay money to borrow. Certainly if you are disciplined you avoid automatically borrowing where you have previously borrowed, but many do not act in this way, which means that the lenders profit from lending money for free.

This is another reason not to borrow money unnecessarily and you should actually see SMS loans for a holiday as an unnecessary loan. Swedish summer is often nice if you ignore a few days when it rains (which can be nice sometimes too) so enjoy here instead of traveling away if you have not saved money. If you have saved money, it is a whole other thing.

Our attitude to SMS loans


We have here on the site advertising about SMS loans there is no doubt and we do not consider that wrong. What we are trying to do is always write about this type of loan correctly. This means that we do not hint that it can be an expensive loan to take. Then we believe that it is up to the individual to make a decision whether or not it is the right loan. Our goal is to provide as much information as we can to facilitate a decision.

To think about taking SMS loans then for holiday trips we consider a bad tip and that is why we do not. This regardless of whether the loan itself is free or not.

If at any point we have information that is doubtful, please contact us and tell us. There is a lot of text here on the site which means that mistakes can definitely have occurred. But we are happy to fix these until then.

How to Build a Good Credit History?

According to various sources, up to a third of people in Latvia have a bad credit history. These are the direct consequences of the economic crisis. Credit history is made up of several factors, the most important of which is credit repayment on time. As with any history, credit history cannot be completely repaired, but you can learn from past mistakes (or failures) and try to avoid similar ones in the future.

How to ruin your credit history?

How to ruin your credit history?

The lender shall be obliged to report any outstanding liabilities within 5 working days if the payment is overdue by more than 60 days and the amount exceeds EUR 150. Once the borrower has remedied the delay, the lender shall notify the Credit Register, the official indebtedness database of Latvia, within five business days. Information on new credit is posted to the registry within five days, while credit information is updated quarterly.

Note that overdue charges also include fines, so a loan of less than $ 100 can turn into a loan that damages your credit history by charging interest. Liabilities that may be recorded in the Credit Register include, for example, utility bills, rent, internet and telephone charges, etc. This means that your credit history literally starts with the first bill you are issued.

What should I do if my credit history is damaged?

What should I do if my credit history is damaged?

In credit bureaus, the debt history is kept for 5 years if the loan is paid off and 10 years if the loan is not paid. This means that if you have trouble repaying your loan, you may have trouble getting another loan for the next five years, or the next ten if you have opted or are forced to not pay it back.

Where to get a loan with a bad credit history?

While banks are clearly quite uninterested in working with people who have had problems in getting a loan in the past, other lenders – quick lenders, pawnshops – may choose to “turn a blind eye” to your bad credit history. Both banks and non-bank lenders may consider you a risk group, either by giving you loans at a lower interest rate or by requiring a collateral. Unfortunately, that is the price if you have not been able to repay your loans in the past.

Can a good credit history be improved?

Can a good credit history be improved?

Yes – that which is good can always be made better. These are the credit obligations that you have successfully fulfilled. For example, borrowing and successfully leasing a product or successfully borrowing and repaying a consumer loan will appear in your credit history and may increase the lender’s confidence in you (but may not mean anything at all). Credit register information is kept for 15 years in the Credit Register.

How to Build a Good Credit History?

Quite simply, cover your obligations on time. This can be done by borrowing responsibly – for example, Swedbank advises against borrowing if the loan is more than 30% of your monthly income. Note that while credit history is considered to be the data recorded in the Credit Register, there are other private credit registers, and banks, when issuing loans, review a bank account statement from the last 6 to 12 months, such as a quick lender for your payment, your credit history (or rather financial wisdom) may not be as good.