OK loan has a fairly extensive loan offer, starting from traditional loans available in stationary outlets, through internet loans to loans granted against gold jewelery.
I wanted to write about this company at least a few months ago, especially since I have the opportunity to pass one of their outlets at least a few times a week. Well, it did not happen sooner, but we made it before the end of the year so today there is a small X-ray of loans offered by Kredyt OK and I hope that with time there will also be some reviews written by you.
OK loan can be known to you from stationary branches of the company, which are already several dozen in Poland. In addition to lending in outlets, the company also specializes in Internet activities. This way, we can get both a short-term loan with a repayment period of 30 days and an installment loan with a maximum repayment period of 12 months.
In the case of payday loans, we do not have too much choice because the range of loans is from PLN 300 to 500, we also do not make any promotions for new customers in the form of loans for PLN 0. The cost of loans is not particularly high, and if I had to compare the company’s offer to other offers of payday loans, then the company would be somewhere in the middle in terms of costs. So it is not the cheapest but also the costs are not exaggerated and excessive.
In the case of long-term loans available in the option Nice Loan, the loan amounts can be up to PLN 3000 and the repayment period can be from 3 to 12 months. I did not find on the company’s website a popular slider with the help of which I could calculate the exact cost of the loan in the case of the selected amount and specific repayment period, but the company gave an example cost for a 3-month loan for the amount of PLN 1,500.
It just so happens that a few weeks ago I carried out a small review of loans with a 3-month repayment period and the main indicator of this review was the loan amounting to PLN 1,500. In the case of the Kredyt OK offer, the total cost of such a loan is PLN 647, which gives the amount of PLN 2147 to be repaid. As it is not difficult to count the monthly installment would be in this case about PLN 716. If, therefore, Kredyt OK were to be included in this ranking, the company would rank third in the ranking. It can therefore be considered that the company has quite an affordable proposal for long-term loans.
What conditions must be met in order to apply for a loan in Kredyt OK? The condition is 18 years old, having an ID card and a fixed monthly income that will enable repayment of the loan. In addition, it is necessary to have a mobile phone, a bank account and an active e-mail address. To obtain a loan, it is necessary to make a verification transfer for 0.01 PLN from your bank account.
At the end, it is worth mentioning two other proposals that the company has in its offer. The first is a loan for seniors given by phone which can be picked up at the post office or in one of the branches of Bank Pocztowy after showing the ID card. The second proposition of the so-called Golden Loan, ie loans granted against collections of rings, bracelets, chains and other gold products.