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Non-bank loans with cash collection at the post office – offers

Non-cash payments are becoming more and more popular. Despite this, you can still find people who prefer to collect money in person (e.g. at the post office or bank outlet).

It is worth knowing that some loan companies have also prepared an offer for such clients. After the conclusion of the contract, traditionalists can collect cash.

This solution is also useful for people who do not want to disclose a loan in their bank account history. After checking the market offer, you can find loan companies that will provide you with free cash payment to your client.

Receiving cash at the post office offers, among others

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Loans with cash collection of funds are not very popular in the Polish market. However, there are several known and trusted lenders who allow you to pay borrowed funds at a post office or bank (see table below).

I am talking about four companies/brands offering non-bank installment loans. Among others, the popular Good Finance belongs to this group. Persons using the offer of this lender can collect funds for free at Honest Bank. It is also possible to receive money at a branch of Honest Bank. Like the Polish Post Office, the bank has a well-developed branch network.

Customers of Good Finance can receive cash from USD 2,000 to USD 7,000. This loan for a period of six months – 30 months is for people between the ages of 20 and 80 who also earn a steady income.

The SMS Credit company has a very similar loan offer (with the possibility of a free collection of funds at the post office or in the Honest Bank branch). The most important difference in relation to the Good Finance offer is the different repayment period (3 months – 30 months) and different loan value limits (USD 1,000 – USD 5,000).

Noteworthy is the offer of the Across Lender service, which also provides for the possibility of cash payments. Customers of Across Lender borrow from USD 1,000 to USD 5,000 for a period of 13 months – 24 months. This amount is available to Poles aged 25 to 80 who have a stable income. The loan is repaid from Across Lender in decreasing installments.

The YES TO offer is also interesting. In addition to free cash collection at the post office, the lender also offers the possibility of borrowing up to USD 10,000 for a period not exceeding 36 months.

It is also worth mentioning that GFIC offers an interesting and unique possibility to pay back two loans at the same time. A second loan at GFI can be made after the first 6 installments have been repaid on time.

Lenders offering cash collection at the post office or bank

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Good Finance – Cash can be picked up free of charge at the Honest Bank post office or outlet.
A loan for people aged 20 to 80 who have a stable income. The customer may request a change in the repayment day.

Cash Immediately – Cash can be picked up free of charge at the post office.
A loan for people aged 25 to 80 who have a stable income. In certain situations, the applicant must provide proof of income. Loan repaid in decreasing installments. After confirming personal data on Facebook, the cost of the loan is reduced by USD 10.

SMS Credit – Cash can be picked up free of charge at the Post Office or Honest Bank outlet.
A loan for people aged 20 to 80 who have a stable income. The customer may request a change in the repayment day.

YES IT – Cash can be picked up free of charge at the post office.
A loan for persons aged 18 – 75 years. The minimum required monthly income is USD 500 net. A Good Finance customer can repay two loans at the same time (a second one can be applied for after the first 6 installments have been repaid on time).

A home loan is a convenient and more expensive option

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Collecting money at a bank or Honest Bank branch is interesting, but not the only way to get a cash loan. It is worth knowing that some loan companies anticipate the possibility of transferring cash at their headquarters. In this case, the restriction is the distance to the nearest lender’s branch.

Another option is a home loan. Such a system is based on a visit by an employee of a loan company, which helps in fulfilling the contract and completing formalities, and then pays the funds. Housekeeping is certainly a convenient solution for people not interested in paying to a bank account. However, one should not forget that this option involves additional expenses.

The installment of the loan with the option of home service is usually noticeably higher than in the case of a payment made by bank transfer.

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