Mobile Bank loans cheaply for 10 years

People who borrow larger amounts often look for cash loans with the longest repayment period.

Many such bank customers assume that the installment should be as low as possible

cash loan


It is worth remembering that a long loan period does not exclude the possibility of paying back the debt earlier. Unfortunately, many domestic banks limit the repayment period of cash loans, e.g. to 7 years – 8 years.

Therefore, the “cash” market offer with the longest loan term (10 years) is quite poor. Fortunately, a new and very interesting proposal has recently appeared on the market. I am talking about a promotional cash loan from Mobile Bank .

The “cash” commission will be reduced by 50% or even 100% 

cash loan


The mentioned promotion of a cash loan from Mobile Bank deserves attention because it is very simple and devoid of “hooks”. It can be used by people who currently do not have and previously did not have a cash loan from Mobile Bank. As part of the promotion, which lasts until June 11, 2019, Mobile Bank offers such people much lower installments. The decrease in cash loan costs results from the reduction of the commission fee by:

  • 50% – in the case of a loan up to USD 50,000
  • 100% – for a loan of more than USD 50,000

If, apart from a reduced or zero preparatory commission, we take into account a rather low interest rate, then it turns out that the promotional cash loan Mobile Bank is one of the best offers on the entire market. Calculate the installment for yourself »

The customer will extend the loan for free or repay the debt early

cash loan


The promotional cash loan offer from Mobile Bank stands out not only with the low cost of borrowing funds. It is also worth remembering that the said bank offers a very different repayment period as part of a cash loan (from 3 months to 96 months / 120 months in the case of loans minimum value of USD 30,000).

The promotional loan from Mobile Bank will interest people who need both very small (minimum USD 500) and large amounts (maximum USD 150,000). Attention should also be paid to the option of choosing a repayment day and free extension of the loan period. Importantly, Mobile Bank does not charge any commission for early repayment of a cash loan.

This is an individual loan proposal prepared on the basis of the client’s previous cooperation with Mobile Bank – addressed to clients whose creditworthiness examined by the bank enables the granting of the requested credit limit.

This limit may be changed because its amount is updated on a regular basis. If the client is married without divorce, a loan above USD 70,000 gross (including costs credited) requires the consent of the spouse who he will sign in the facility. If we assess your creditworthiness positively, you will be able to receive a loan.


Credit to finance supplier debt

Many companies are left with supplier debts, it is important to quickly find a solution to repay these debts and rebalance the accounts of the company. Learn more at

Supplier debt: principle and solutions

Supplier debt: principle and solutions

Supplier debt corresponds to one or more invoices received by the company from one or more suppliers. When these invoices are unpaid, they are designated as supplier debts. It is quite simply the gap which is noted between the purchase and the disbursement of the funds associated with it. The longer the payment period, the more the treasury will be optimal for the company, but suppliers must be paid in due time to avoid deterioration of the relationship. Note that the payment period is capped at 45 days.

It sometimes happens that a company is forced to face cash flow problems, which can impact supplier regulations and therefore lead to a tense relationship. It is important to quickly find solutions to restore the regulations on time and to maintain a good relationship with its suppliers, several solutions are to be considered such as professional loan.

Cash credit and supplier debt

Cash credit and supplier debt

Cash management is a key success factor for a business, it is important to maintain a positive professional bank account while having the capacity to settle all debts, including supplier debts, on time. Deadline negotiations can be started with suppliers, some of whom have become partners over the years, but it is important to find a solution to the treasury problem. Professional credit can be a solution to put the company’s financial situation in order.

In addition, it is important to specify that a bank overdraft is assimilated to a credit, but the cost can be more important for the company rather than to request a bank loan. Credit institutions precisely offer professional financing to allow the company to restore cash and honor its debts with its suppliers. It is obviously necessary to file a request and justify with certain documents (balance sheets) the financial situation of the company, this will quickly obtain a feasibility opinion.

Support you in financing your debts

Support you in financing your debts

The use of professional credit is one solution among many others but it is important to be accompanied by a brokerage firm with all the solutions in hand to allow society to find balance. Whether through supplier debts, through late payments or to fill a cash flow need, We are at your side to offer you tailor-made solutions, meeting your current needs and allowing you to rebalance the accounts. of your company. A first point can be made on the financial situation of the company, this allowing to better present the possible solutions and in particular the steps to be accomplished.

Refinancing a loan – what is it about?

As statistics show, loans are more and more willingly taken by Poles not only because of their easy availability but also due to favorable contract terms. Unfortunately, in each of us’ lives, there are various difficult situations, e.g. job loss or important expenses related to treatment. These types of factors disturb our home budget and may result in a lack of adequate funds to pay back the loan.

What is loan refinancing?

What is loan refinancing?

We help with refinancing the loan. What is loan refinancing? In short, it involves making another commitment, which we intend to spend on paying off previous debts. As you know, most payday loans are usually granted for a short period, e.g. 30 or 60 days.

It is also not possible to extend the repayment date, as is the case, for example, in the case of long-term loans. And even if such an option is available, it involves reporting information to Credit Checker and incurring additional costs. Loan refinancing takes a completely different form and is available to people who are debtors and have a bad history at Credit Checker.

Refinanced loan – what do you need to know about it?

Refinanced loan - what do you need to know about it?

We have already mentioned what refinancing a loan is about. A refinancing loan is nothing but a financial product proposed by non-bank companies. It enables repayment of earlier liabilities and very often may be associated with more favorable conditions than in the case of earlier loans.

Especially when we consider the interest and additional commissions that we have to pay for late payments of previous loans. The refinancing loan is most often chosen by clients from an offer of a different parabank than the one in which they took out payday loans. It is provided in exactly the same amount as the previous commitment, which we cannot cope with.

It is important here that the borrower does not receive funds into his bank account, and they are transferred directly to the company in which he has debts. It is a safe and reliable way to pay back the arrears. If you take a refinancing loan, it is obvious that we also receive a new repayment date.

How to apply for a loan refinancing?

How to apply for a loan refinancing?

People who want to apply for a refinancing loan should first pay attention to the offers available on the market. These types of services are becoming more and more popular, and loan companies are constantly introducing more and more favorable conditions for future clients.

It is not worth choosing the first offer from the edge, because it may turn out that we will miss the opportunity to receive really profitable conditions. Once we find an offer for ourselves, we can proceed to the application process. Contrary to appearances, it is not complicated, because all you have to do is submit an online form on the website of the selected parabank.

A lot of loan companies allow you to enter basic information on your site, such as the amount of the loan you have, and select the refinancing option, after which they speak to their clients by phone or email to make an offer.

Is refinancing a loan profitable?

Most of those who are thinking about taking out a refinanced loan is also thinking about whether this method is certainly more profitable than, for example, extending the repayment date?

It is worth mentioning here that many companies may charge an additional fee for such a service, but it is fixed in advance, and we receive information about its amount almost immediately after submitting a query on the website. There will also be a fee for taking a new loan. However, it is worth, to sum up, the costs in detail, because this option may, in turn, prove to be more advantageous.

Advantages of refinancing a loan:

  • A refinancing loan allows you to pay off your liabilities almost immediately. Thanks to this, we avoid contractual penalties and debt collector;
  • We get a new loan repayment date, so we have more time to collect the appropriate funds;
  • We do not need to complete a large number of formalities. The refinancing process runs smoothly and smoothly ;
  • Refinancing will not adversely affect the history of Credit Checker.

Disadvantages of a refinancing loan:

Refinancing has many advantages, but it doesn’t mean that it doesn’t have its drawbacks either. Definitely the disadvantages of a refinancing loan are:

  • additional costs that we will have to pay due to the longer term of the loan,
  • incurring refinancing fees (however, they are often lower than fines for late loan repayment).

Missselling activities in the case of non-bank loans

When planning a loan or using another financial service, you probably assume that before you will be thoroughly presented all the terms of the offer and the best solutions. Unfortunately, you may find a dishonest seller who will talk you into a service that completely does not suit your situation or even expose you to serious financial losses.

What is misselling?

What is misselling?

The word misselling comes from English and literally means misplaced sales. This concept appeared in Great Britain in the 1990s and initially concerned the sale of loans combined with insurance policies. Such policies were very expensive and in many cases did not provide any protection.

The sale of such products was therefore misguided because it did not meet the customers’ needs and in addition exposed them to unreasonable costs. Today, however, in response to the question of what misselling is, there are many more irregular actions taken against consumers. This phenomenon may consist of:

  • sales of financial products that are not suited to the needs and capabilities of customers,
  • deliberate misleading customers,
  • lack of reliable information on the sale of financial products, e.g. on all costs of the loan.

The above practices are on the verge of law and can be described as unfair behavior towards clients in order to achieve the highest possible profit.

Misselling and legal issues

Misselling and legal issues

The problem of misselling has been noticed in Poland many years ago, among others on the basis of numerous customer complaints about the activities of financial institutions, which they reported to the courts and the Office of Competition and Consumer Protection.

In order to provide them with better protection, amendments were introduced in 2016 to the Act of 16 February 2007 on competition and consumer protection. They relate to the phenomenon known as misselling – the Act in Art. 24 expressly prohibits the use of so-called practices infringing collective consumer interests such as:

  • offering consumers financial services that do not meet their needs,
  • sale of financial services in an inadequate manner to their nature,
  • failure to comply with the obligation to provide clients with reliable, true and complete information about a financial product.

Financial institutions are subject to specific sanctions for violating the above prohibitions, even fines up to the equivalent of 10% of turnover.

How does misselling work in practice?


We can talk about misselling when the seller intentionally misleads the customer or hides important information from him in order to effectively sell him a product that does not meet his actual needs. In the case of financial services, it is not difficult to persuade you to use a given offer.

Sellers use here insufficient knowledge of customers about the principles of operation of individual solutions, especially those that are new and still not sufficiently widespread on the market. It is also quite easy to sell an unnecessary product to people who are in a difficult situation and are looking for a way to solve their problems.

A client who needs cash for rape will probably agree to use an additional service to increase his chances of getting a loan. In practice, you can meet with misselling both in a small financial intermediary office and in a branch of a reputable bank.

Unfortunately, the financial institution itself is not always behind dishonest practices, but simply a person who wants to earn the highest commission will do everything to achieve this goal, even by committing unethical actions.