Loans and payday loans without BIK 2019 – 66 proposals!


In order to navigate the article easier, we have prepared a functional table of contents that will allow you to quickly move to an interesting issue. Thanks to this, you won’t have to laboriously scroll through individual paragraphs!

Payday loans without BIK – 20 offers payday loans without capacity

Payday loans without BIK - 20 offers payday loans without capacity

It turns out that a negative credit history does not necessarily interfere with getting a loan online. Below we have prepared a list of the best offers with payday loans that are currently available on the loan market. Check which companies do not check debtors’ registers!

You will find more information and offers with short-term loans in our payday loans ranking.

Installment loan without BIK – 25 offers

Installment loan without BIK - 25 offers

You need to know that online loans without verification have long been available in the loan market. This also applies to installment loans. We encourage you to analyze the table with loan offers without BIK. 

Loans for companies without BIK – finance your own business

Loans for companies without BIK - finance your own business

Any entrepreneur who is struggling with a negative credit history can also count on getting a loan without bases! We encourage you to check our list of the best loans for companies without BIK.

If you want to learn more about loans from the table above, be sure to check the ranking of loans for companies

Loans without BIK – 12 companies that certainly do not check BIK!

Loans without BIK - 12 companies that certainly do not check BIK!

In the last statement we present offers with both short-term and installment loans, which can be used by borrowers with bad creditworthiness. The table contains 8 payday loans and 4 lifeguards without BIK!

What is BIK?

What is BIK?

The Credit Information Bureau (BIK) was established in 1997 by the Polish Bank Association and private banks. It was created to collect and store information on financial liabilities incurred by individuals and entrepreneurs at banks, loan companies or Cooperative Savings and Credit Unions (SKOK).

The information collected about consumers’ financial liabilities by the Credit Information Bureau is later integrated and organized. Thanks to BIK’s activities, various financial institutions can verify that customers applying for a loan or non-bank loan have no problems with settling their previous cash arrears.

What information does BIK collect?

Financial institutions, i.e. banks, loan companies or credit unions, provide BIK with information on each financial service, e.g. cash loan or online loan granted to a natural person or entrepreneur. Below is a full list of financial products that are subject to verification by the Credit Information Bureau.

  • cash loans,
  • mortgages,
  • revolving loans,
  • employee loans,
  • student loans,
  • loans in which you are a guarantor,
  • online loans,
  • credit cards,
  • debit cards
  • limits on personal accounts,

Important – The Credit Information Bureau collects both negative and positive information regarding borrowers ‘or borrowers’ financial obligations.

How to check if I am in BIK?

How to check if I am in BIK?

Every consumer should know how you can check your credit history at the Credit Information Bureau. Unfortunately, most people do not know how to do this. For this reason, we have prepared a detailed step-by-step guide that will clarify any doubts about this topic.

  • first, visit the Credit Information Bureau website and register by creating an account. It will not take much time, all you have to do is provide your ID details, email address and accept the terms and conditions,
  • then you need to confirm your identity by sending to the Credit Information Bureau, ID card scan and make a verification transfer in the amount of PLN,
  • after completing these steps we will receive an email with an activation link and an SMS with an authorization code that will allow you to create an account password and log in to the BIK website,
  • the final step will be to decide on the choice of service package. BIK offers a single report for 39 PLN or 12 reports for 99 PLN. You can also use the free version of the report, but only if you apply for it no more than once every six months.

Important – checking the credit history in BIK can be done only on the website.

How to delete data from BIK?

This is a fairly simple process, all you have to do is pay off all outstanding financial obligations to various banks, loan companies or credit unions. Then you should ask representatives of these institutions to prepare and send an application to the Credit Information Bureau with the information that we are no longer debtors. In this way, we will get rid of your negative credit history. At this point, however, it should be noted that BIK cleaning will take place only after 5 years.

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