Financial difficulties can surprise everyone, so it’s always better to think about the rear wheels. It is good to keep at least 10% of your monthly income. In case you break your home appliance or you have to pay your kids a school in nature, it will certainly be useful. In this way, you can save on a dream holiday abroad or a new car. Many people want to buy the thing right away and use unfavorable loans. Who really lends money when you are in need? Is it a bank, family or private investor?


Help from family and loved ones

Help from family and loved ones

Where to go if we don’t pay off or have other financial difficulties? You will surely be the first to think of a family. Of course it is individual, it all depends on your relationship with your parents and how you treat them. If your situation is unique, you will certainly be helped. Unfortunately, there are individuals who, fortunately, their mother or father just to sniff some of them into the vending machine or alcohol. Do not abuse the goodness of others. The same is true of close friends.


Who really lends money – Bank

Who really lends money - Bank

Banks are trying to convince the public that they will lend to anyone who applies for a loan. But the reality is different. Only people who are trouble-free have a chance of success. What does it mean? They are not in probationary period, they have an employment contract for an indefinite period, they do not have a negative record in the debtors’ registers and their income is high enough. People who are under execution or insolvency have no chance.


Who really lends money – Non-banking companies

Who really lends money - Non-banking companies

A quick non-bank loan is much more affordable and can also be obtained by troubled clients who have failed elsewhere. The poor payment history of the applicant is often not a problem either. The disadvantage is the higher provision and management fees.


Who really borrows money – P2P loans

Who really borrows money - P2P loans

Another alternative is the so-called P2P loans, where individuals “investors” consist of citizens who need to borrow. The most risky group is private investors, who lend funds from their own resources. On the other hand, they are not interested in any registers or whether you are under execution, but be careful when choosing these offers.