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We have the end of the holidays ahead of us, and with it the expenses related to the preparation of school layette for jackets. The next increased costs will concern the Christmas period, which cannot be imagined without a Christmas tree, gifts or a richly set Christmas table. There is only one problem that practically every Polish family has to deal with - where to get the money for all this? Statistics show that, among other things, we seek help from lending companies on the occasion of holidays. Today you will learn what characterizes the smart borrowing of money from parabanks.

At Christmas time, the Credit Information Bureau (BIK) records an increase in interest in loans and borrowings. It is this type of methods used by Poles to finance Christmas shopping. According to the results of the research carried out by Provident, the Polish family spent about 722 PLN on the organization of holidays in 2016.

It has to be admitted that such an amount is difficult to put off from a single payment, and even savings are sometimes insufficient. It is for this reason that one in ten of the respondents plans to take out a loan with Christmas in mind. Lenders are well aware that during this hot season, customers will turn to them for extra cash. There is still a lot of bad talk about borrowing in parabanks, but a well made decision to choose a solid loan company does not have to ruin your budget at all. In order to take out a Christmas loan it is necessary to follow the five steps below.

The first and most important issue will be to precisely define your needs and financial capabilities. To begin with, it is necessary to estimate how much money you will spend on organising holidays, how much you will spend from your own pocket, how much you will need to borrow and how long you will be able to return it. This analysis will allow you to determine the main parameters of the loan needed, i.e. the amount and duration of the repayment. The next step will be to look for reliable lenders.

The second, but equally important step in the safe lending of money for holidays is to find the right loan company. Avoid all random ads that come into your hands and benefit from only well-analyzed proposals. You will find a reliable lender much faster on the Internet.

Loan comparators will help you in this task, where only reliable companies' offers are presented. Make a careful comparison of the offers of loan companies for holidays. It is also a good idea to take advantage of the free time for Christmas. In the above mentioned ranking of loans you have access to loan companies that have them in their offer. A free first loan means only the repayment of the amount we borrowed.

There is no charge for commission or interest. The situation is completely different in the case of possible delays in payment. If, for some reason, you do not return the money on time, the loan company may charge you extra fees. Then it's a free Christmas loan, it can stop being free. If you have already used the free loan option from a lender, you do not need to come to the same company for another moment. With our online instant loan comparison service, you'll certainly find another company where you'll get a chance to borrow free of charge again. Read the framework contract and the information form.

As soon as you find an attractive offer for a quick loan for Christmas, apply and the lender will give you a momentary agreement. Before you sign it, take some time to read it carefully and think about whether you understand everything. If not, ask about unclear contractual issues. Sign the contract only when all the information is clear and easy for you to understand. Spontaneity is not advisable in the case of short-term loans, especially for Christmas loans. Specialists recommend to thoroughly check the company from which we are going to take money for holidays. Avoid as fire as non-banking institutions that do not check the creditworthiness of the customer, because working with them can mean trouble. Remember the rules of smart borrowing!