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 borrowing who has sufficient creditworthiness. This requirement can be met very easily because, firstly, the Bank accepts a very wide range of income sources, including contracts for specific work, contracts of mandate, and even allowances received by TIR truck drivers travelling on international routes. Secondly, thanks to the loan’s attractive interest rate and the possibility of spreading repayment over as many as 10 years, the instalments can be low. This means that even someone with a relatively low income, and therefore 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 at a disadvantage from the outset 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 obtain a loan on the same terms. You do not even need 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 based on 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 funds to be credited to their accounts without delay. As a modern bank, Alior Bank responds to these expectations, which is why the loan funds may be available in 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%; preparation 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.
