Phone loans seem to be an interesting alternative for people who have problems with computer support or do not have enough time for personal trips to the bank. Currently, it is difficult to find a bank that would close the whole loan procedure during a telephone conversation with the client. Nevertheless, on the phone, we can take the first step, which will bring us closer to obtaining the necessary financial resources.
What is the process of applying for a loan by telephone?
We start the process of applying for a loan by calling from the helpline of the selected bank. During a conversation with an adviser, we can apply for financial support, providing only basic data. Then our application goes into consideration, and if the decision of the bank is positive, we will be invited to a stationary facility to complete the remaining formalities. Let’s remember to bring the relevant documents with you, such as your ID card, second ID card, or the required income certificate.
Is it safe to take a loan by phone?
During the telephone conversation, we give only basic data about us, which is why this form of communication with the bank should not raise our concerns. If we look for the bank’s contact information on the internet, make sure, however, that we actually make a phone call to a real bank, not an intermediary or institution that looks like a financial institution known to us. The safest way will be if we check the phone number on the bank’s website with the appropriate certificates. As we mentioned, we complete the rest of the formalities directly at the bank’s outlet. A personal meeting with an adviser is just for security reasons. Thanks to this practice, our personal or financial data should not fall into the hands of third parties.
What banks are providing loans by telephone?
Currently, no bank allows you to take credit only on the phone. This is related to the security issues discussed earlier. By phone, we can only initiate the credit procedure or make sure that the credit offer published, for example, on the internet is reflected in reality. Without a personal visit to the bank, nothing more will be done. (Kg)