Financial Meals is a relatively new brand on the quick loans market created by the limited liability company Small Loan, whose headquarters are in Bialystok. It was founded in 2010 and comes from Lithuania. Currently, it also operates in the Czech Republic and Latvia. In Poland, it has been known until now as the Fine Bank.
The lender’s experience and credibility are confirmed by his certificates. The Small Loan was awarded the Loan Institution of the Year 2016, the certificate of Reliable Company, Financially Credible Company. The company is also a member of the Association of Loan Companies. So you should not worry about the security of the loan in this institution.
How to take a loan in Financial Meals?
The Financial Meals company provides loans in the amount of USD 200-3,000. You can take a maximum of thirty days. You can also choose a shorter repayment period: 10, 15, 20 and 25 days. How to take a loan from the company’s Financial Meals? Opinions about the company indicate that it is very simple. What does this process look like step by step?
Select the amount and indicate the period for which you want to borrow
On the lender’s home page you will find an easy-to-use calculator. It has two sliders on which you choose the amount and repayment period of the loan. After selecting these parameters, the calculator will tell you what the actual annual interest rate on the committee will be. If you can accept it, all you have to do is select the ‘take a loan’ button.
Fill out the registration form and loan application
In the next step you need to provide the following information about yourself:
- first name and last name,
- PESEL number,
- ID number,
- e-mail address,
- Phone number.
At a later stage, you must provide information related to your income and contact address.
Verify your identity
Financial Meals provide two types of verification. You can send a transfer of one penny from the account you specified in the form or use the Instantor application to verify your identity faster.
Wait for a financial decision from the company
Financial Meals promise to promptly inform you when a loan decision is granted or refused. You can have an answer in the form of an SMS or e-mail within a few minutes of the decision.
Wait for the transfer from the loan company
If the loan decision is positive, you can do nothing more than wait for the money to be paid into your account.
You can go all steps online without having to talk to a Financial Meals consultant. Contacting him, however, will help you dispel any doubts about the terms of the commitment.
Who can take a loan at Financial Meals?
The Finance Meals loan company is targeted at people aged twenty-one to seventy-three. What conditions do you have to meet in addition to a proper age to get a loan?
- you must have a Polish phone number,
- you must have an open bank account in a Polish bank,
- you must be a Polish citizen,
- you cannot have negative entries in the debtors’ registers,
- you must have a stable income.
If you meet the indicated requirements and correctly complete the application, Financial Meals will automatically proceed to examine your application.
Loan costs in Financial Meals
The first loan offered by Financial Meals is free. To avoid costs, however, you must pay the debt back on time. If you fail to meet the deadline, the lender will impose on you fees related to activities that are aimed at recovering funds: commissions, costs of requesting payment and interest.
Further loans are already burdened with additional costs. How tall are they Let’s analyze it by example? If you borrow 1000 dollars for thirty days, with an interest rate of 10% per annum, you will have to give back 1282, 22 dollars. In addition to interest, the cost of the loan also includes a commission of USD 274 and an interest of USD 8.22. The APRC in this option is 1958.47%.