Good Credit is one of the bank’s favorite loan products. Unfortunately to be able to apply for an ACA requires active credit card ownership. Then what if you have nothing? Fortunately, you can count on the Good Credit without the credit card provided by the five banks below!
Credit Unsecured or better known as Good Credit is a loan that does not require you to provide collateral or guarantee. Since there is no reserve, there are certainly many people interested in applying.
Providing no collateral
The other advantage of the Good Credit is that the application process is as fast as the disbursement process as it does not go through many stages such as assessing the value of the asset for a long time. In addition, the loan funds provided by these Good Credits amount to a considerable amount. The average loan amount is at least $ 5 million up to $ 30 million up to $ 50 million. With the huge value of a loan, the repayment period is certainly longer. You are given a maximum of 60 months to 5 years.
Good Credit does offer a lot of benefits to its borrowers, but there is one thing you need to know! To apply for this Good Credit, you must have an active credit card ownership term of at least 1 to 2 years. Of course, this requirement is a major obstacle for people who wish to apply for a Good Credit but do not have a credit card. But do not worry, there are still banks with Good Credit product that does not require credit card worked. Right?
Banks Have A Credit Card Without Credit Cards
As mentioned above, it turns out that not all banks require credit cards because there are still fast-moving Good Credit loans without credit cards.
Good Finance Bank
The first bank of the Good Credit without a credit card is Good Finance Bank. With Tunaiku Good Finance Bank loan products, you can get cash loans ranging from $ 2 to $ 20 million. The loan term is 12 months with a fixed interest rate of 3% per month. To get a Good Credit loan without a credit card from Good Finance Bank, you will need a national ID, NPP, and payslip.
Unfortunately the Credit Card-free Good Credit from Good Finance Bank only extends to Jabodetabek, Bandung, Semarang, Yogyakarta, Gresik, Sidoarjo, Surabaya, Medan, Palembang, Pekanbaru, Makassar, and Denpasar.
E-Money Working Bank
Next up is the E-Money Bank that can provide credit-card-free Good Credit loans with limits ranging from $ 5 million up to $ 200 million. The loan period can be up to 36 months. These requirements apply only for ID, ID, payslip, newspaper account, and have a permanent job with a minimum of 1 year. Whereas for an entrepreneur or a professional, his or her employment must be at least 2 years.
Want to Get a Credit Card without a Credit Card? Check Previous Tricks!
His name also applied for a bank loan. Not all loan applications are accepted by the bank. So Good Credit loan application without credit cards can be accepted, first check the trick below yuk!
Have a Profession or a Clear Job
The first tip is if you have a clear profession or job. If you are an employee first, then you must be a full-time employee, not a contractor or freelancer . But if you are an entrepreneur or a professional, then make sure your practice or business has been running for at least two years.
Attach Original Salary Slip
It is important to attach your original pay slip at the time of applying for a non-credit card Good Credit loan as a proof that you have the ability to pay monthly Good Credit installments. Then what if you don’t have a pay slip because you are not a professional or entrepreneurial employee? You can attach your financial statements for the past two months.
Never Have a Bad Debt History
The last tip is to avoid having a bad debt history. It’s not because you don’t have a credit card, so the bank won’t know if you’re the one who always pays off the debt on time. Banks will still be able to perform credit history or credit history checks through BI checking . So if there is any unpaid arrears in the meantime, you should pay them off immediately to clear your bad credit history.
Loan Options Besides Credit Card No Credit
As mentioned above, the obstacle to applying for a Good Credit loan without a credit card is the risk of being rejected. Refunding a fast credit card Good Credit loan without this credit card can take many forms, from unfulfilling requirements, incomplete documents, to failing BI checking . So, are there any other non-Good Credit loans that do not require a credit card? Of course, there are. You can apply online through Finn.
Finn is an online loan application that can provide cash loans ranging from $ 1 million to $ 20 million with a maximum loan period of 180 days (6 months). The terms of application are very simple as they require only three basic requirements: ID, NPWP, and local bank account numbers.
- Download the Finn app on the PlayStore or AppStore
- Sign up first by filling out your personal data
- Then just log in to the application by entering your username and password
- Complete the requirements document
- Fill in the desired loan amount and loan term
- Then you just have to click submit
Wait to confirm and process the loan application. If accepted, then within a few days the funds will flow directly through the local bank savings account you provided earlier. With this quick and easy way to apply, you can get a loan when you need an emergency loan.