At first glance, it might seem that mostly men are applying for loans. Perhaps this may surprise someone that more than half of non-bank loan applicants are women.
Does anyone offer a credit product focused solely on the more tender part of the population? Is there an SMS loan for women, for example? What are the parameters and what is different from the loan for all?
The general features of SMS loans are speed, availability and versatility of use. You get a small non-bank loan quickly, without unnecessary formalities, and you can use the money for anything. Typically, you can borrow up to CZK 5,000 on your first application, and more than once. You repay the loan in one installment within 30 days of applying for a loan (or for a shorter period – as you choose to use an online slider).
It has to be said that the conditions for all loans are the same for both men and women – there is no gender equality. The condition is over 18 or over 21, in some cases debtors’ registers are checked, and in some cases, proof of income is required.
When there is not enough income
However, in the online form you must truthfully state your earnings data. There may be a problem for some applicants or applicants – if you are just unemployed, retired or, for example, on maternity leave – the lending company will not provide you with a quick loan.
Loans for women on maternity leave
If you are a woman on maternity leave and you need to borrow money, you need to contact companies that lend to women on MD. These companies are benevolent to the fact that you do not have a regular income from an employer. We can then exaggerate their credit products as SMS loans for women on maternity leave (abbreviated as “MD”).
Providers of these loans include, for example, VataOnline, sro with its loan of the same name. With it, you can borrow up to 5000 CZK for 1 – 35 days and thus bridge the acute financial shortage.
What to watch out for
However, it should be borne in mind that a microloan should only be an emergency solution, not a rule for family budgeting. Make the best use of borrowed money and be sure to get a family budgeting job in the future.