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No Credit Check Loans

Is life throwing you a curve ball and you feel like there’s no way to dodge it? Do you need fast cash for unforeseen circumstances? Are you afraid that your credit history would affect your application? If you answered yes to all three or even just one of the previous questions; then getting an emergency loan might just be the solution you’ve been looking for. These type of loans are approved fast and they usually approve application regardless of the current credit score.

When do people usually people take this loan?

This loan is used for various circumstances by different people. It’s fast acting nature makes it attractive for those who need cash immediately and also those who might not meet all the requirements of a normal personal loan. The who application process of this loan is also quick and same day approvals are the norm. Although people apply for this for different reasons, below are the common situations that are considered the normal causes of taking out an emergency loan.

1. Hospitalizations/ accidents – this circumstance is probably the most common and the most urgent one. This also an unforeseen event and you just can’t prepare 100% for it. Although we are advised to set aside a percentage of our salary for health related accidents this might not be achieved by a lot of people especially if you’re living pay check to pay check.
2. Home Repairs – Having a roof above your head is both a right and a huge responsibility. It is one of our basic rights to have a place to shelter us from the environmental factor. However, this protector could also be a source of a lot of our headaches. House repairs can get expensive very quick but you usually don’t have a choice but to get them done because if you don’t the problem might get even bigger and so will the expenses.
3. Auto Repairs – These days, having your own car is no longer just a privilege but instead it has become a necessity especially if you live somewhere with a poor public transportation system. A lot of circumstances lead us to have to get our vehicles repaired. It might be due to a mechanical problem or maybe you were unexpectedly a part of a road accident. Whatever it may be, most of the time we’re unprepared for it and probably won’t immediately have the cash we need on hand.
4. Traveling – Although it may not be as compelling or immediate as the other ones on the list, traveling or going on a vacation is another common reason for getting a loan. It might be due to you having to spend your savings on something beforehand or maybe a sudden trip that you weren’t able to prepare for.

Where to get a loan?

There are different websites that offer fast and easy loans. One of the most trusted and reliable ones of the bunch is pounda.co.uk. This site offers loans even to those who have a bad credit history or have no credit history yet. They also provide a simple application process so you won’t need to worry about having to gather a lot of documents for your requirements.

How to apply?

Applying for an emergency loan through Pounda is a quick and easy process. In fact, it’s so fast that you could probably get everything done in one sitting. It’s also extremely convenient since everything is done online.

The first step to applying for your loan is to fill out the simple application form on the website. This form is short and wouldn’t take up a lot of your time. Usual information that would be asked on the form are personal information about you, about your job, and your salary. All these are simple indicators of whether or not you’d be capable of paying for your loan once you’re approved. You would also be asked for details about your ID card, your bank account, and your pay slip. So you better have this on hand when you start your application so you won’t need to go back and forth..

After you’ve submitted your application, it would now be reviewed. Although this part is a case to case basis, usual criteria that they would look at is whether your salary would suffice considering all your living expenses and your loan payment. If they find that you might have a hard time with this they won’t reject you immediately especially if they can suggest better loan terms for you. Once approved, the loan you requested would be deposited to your account immediately.