Although there are many companies on the Polish market that offer an online loan, they still do not inspire trust among many customers. The anti-usury act regulating their operation does not protect clients against stealing personal data and leaves many gates to fraudsters. In addition, many people prefer to take out loans on a clear basis with the participation of a professional adviser. This can be done in one of the numerous Mary Poppins branches, where additional products await customers, such as insurance.
No contact with a reliable advisor
Lack of contact with an employee of a loan company is of great importance in the context of aversion to online loans. A professional advisor can ask you at any time about repayment terms or other elements of the contract, which is not feasible via the internet. In addition, an employee experienced in customer support will be able to provide valuable advice related to the terms of the loan – the offer is not always legible on the internet.
Online loans are still not a product for everyone for natural reasons. Many, especially older people, do not use the Internet on a daily basis or do not have the necessary means of dealing with important matters of sufficient trust. And yet finance is one of the most important and critical elements of our lives.
Fear of fraud
Institutions providing online loans in Poland still do not inspire sufficient customer confidence. Although their actions are strictly sanctioned by law, scammers are able to find ways to extract additional money from the client, for example based on unclear deferral rules. Theoretically, the debt can be transferred to another company, becoming another loan by law.
Online loans can also seem dangerous because of the theft of personal data. Finally, before we get access to the cash, we are forced to present it to the potential lender, while providing him with an ID card scan. There is never a guarantee that the link is 100% secure.
Stationary loan institutions
Among others, for the above reasons, loans granted stationary, in many Mary Poppins branches located throughout the country, are very popular in Poland. The offer of stationary loan institutions can be very competitive, and at the same time we can count on contact with a professional advisor and full security. If in doubt about specific provisions of the contract, they will be clarified immediately,
No additional products
Online lending institutions focus only on this aspect of business. Mary Poppins branches, in turn, are places where the client is able to do much more. The loan offer itself is very extensive, and also supplemented with additional services, including insurance, health packages and funding for treatment or rehabilitation. Therefore, it seems that online loans will not soon become the product of choice for most Poles.