Alior Bank offers an attractive “5% Interest Rate Loan for Everyone”. What does “for everyone” mean?
Kacper Marciniak: It means that the loan is available to every customer interested in a loan who has sufficient creditworthiness. This condition of sufficient creditworthiness can be met very easily because, firstly, the Bank accepts a very wide range of income sources, including a contract for specific work, a contract of mandate, and even allowances received by HGV drivers travelling on international routes. Secondly, thanks to such an attractive loan interest rate and the possibility of spreading repayment over as many as 10 years, the loan instalments can be low, meaning that even someone with a relatively low income—and consequently relatively low creditworthiness—may obtain the loan. What else? A loan of up to PLN 150,000 can be obtained without collateral. It can even be taken out by three unrelated people.
If you are not an Alior Bank customer, are you not automatically at a disadvantage when applying for a loan?
Kacper Marciniak: This is another reason why the phrase “loan for everyone” is justified. You do not have to be an Alior Bank customer to receive a loan on the same terms. You do not even have to open an account with Alior Bank—a statement from your own bank account is sufficient. In addition, a loan of up to PLN 3,700 can be obtained on the basis of a declaration of income.
And how quickly can we receive the money when choosing the “5% Interest Rate Loan for Everyone” at Alior Bank?
Kacper Marciniak: Nowadays, customers expect quick decisions and the funds to be credited to their accounts without delay. As a modern bank, Alior Bank meets these expectations, which is why the loan funds may be available within as little as one day.
More detailed information about the 5% interest rate loan and other banking products can be obtained at Alior Bank partner branches in Bolesławiec: 46 Zgorzelecka Street, 75 732 22 51, and 1/9 Mickiewicza Street, 75 713 70 02.
Representative example as at 31 December 2014: total loan amount (excluding financed costs): PLN 16,615, number of instalments: 55, nominal interest rate: 5%, arrangement fee: PLN 5,538.33, interest amount: PLN 2,682.06, APR: 20.3%, instalment: PLN 451.55, total cost: PLN 8,220.39. Total amount payable: PLN 24,835.39.
