By definition, the online loan offer should be widely available. Customers expect lenders to provide loans online as soon as possible. This does not mean, however, that you do not have to meet the minimum conditions and complete certain formalities. The basis is an electronic form that allows you to apply for a loan. What personal data must be provided in it?
An uncomplicated procedure for applying for a loan
Currently, the loan can be borrowed completely online. All you have to do is submit an electronic application, verify your identity via a bank account with internet access, and then, after a positive credit decision, receive money by transfer to your account. Everything seems easy and pleasant. You do not have to complete endless banking procedures and report a whole pile of documents to study creditworthiness. The customer can therefore receive the payment instantly, after submitting the electronic application. This application should provide the desired information on the potential borrower, including the bank account number to which he would like to receive the loan payment, or data on his financial situation. What specific personal information must be provided in the online loan application?
Components of the online form
Before taking out a loan and starting the withdrawal procedure in cashless mode, the vast majority of lenders require new clients, fill in the online form and create a customer profile or account on the website. He must determine the desired amount of the loan and the repayment date of the obligation. The electronic form should contain the personal data required by the institution to commit. Among them, there are usually such data as:
- name and surname of the borrower,
- PESEL number,
- number and series of identity card,
- exact address of registration and residence,
- mobile number,
- e-mail address,
- bank account number (necessarily registered for the same data as those given in the application),
- monthly financial obligations,
- monthly financial income,
- information about the workplace with address and employer name, position, form of employment and amount of monthly salary,
- loan purpose – information lender.
We fill in the online form with real data, remembering that giving untruth in such a situation is punishable. Providing all the desired information reliably can speed up the process of customer identity verification, and thus – payday loans.