If you currently have one or several active payment notes, this may be something that prevents you from taking an SMS loan if you wish.
However, there is help to get if you have an economy that is good enough to handle an SMS loan despite the payment note. However, it is important to never borrow money unless you are quite sure of repaying them as planned.
Who lends money despite a note of payment?
It is true that there are lenders who have chosen to focus on lending money to people who have payment complaints. They have chosen to do this as there are very many people in Sweden who have comments and thus there is a large market for this type of loan.
After all, there is nothing to say that a person who has payment notes must have a bad economy, but it can be that the note is, for example, an old one that still remains. Since a payment note remains for three years, this can pose major problems throughout this time, even if the economy has come under control.
It may even be the case that you have received a payment
Note only through negligence. It is true that a debt of USD 500 or 1 million does not matter when it comes to payment notes, but you can simply be deducted with it for three years. It is also not possible to remove them during this time, you would have repaid the entire debts and then have a lot of money left over in your account if the note does not disappear.
It is thus this category of people who have payment notes but who still have sufficient financial muscle that these lenders are aiming for. As we wrote before, it is very important to carefully consider your finances before you borrow any money.
If you do not feel that you belong to the category that has remarks but has control over the economy, we strongly advise against borrowing some new money.
How is it possible to get an SMS loan despite payment remarks?
The lenders who offer SMS loans despite payment objections can do this by performing a more thorough check of the applicant’s finances. The lenders who do not offer loans despite the complaint simply say no when it discovers this.
Lenders offering loans of this type instead choose to put a grade on finances in general. Here, the payment note will pull down on the grade while if you have a stable income for example this will pull up the grade.
If they find that your rating is good enough, you will also be able to borrow money. Then it should be said that there are no guarantees whether you get your loan or not but it is the lender who decides entirely. There are clearly more people who are denied a loan if they have remarks than those who are denied and have no dots of this kind.