The Lapointe non-bank loan is one of many short-term loans that target clients who cannot borrow from a bank and need only a small amount for a short period. In many cases, the loan is similar to competing for credit products, but in some cases, Lapointe’s offer differs significantly. You can always borrow a maximum of CZK 8,000, the maturity period is max. 28 days, but with the possibility of an extension of 2 x 7 days. The loan is negotiated over the Internet, but it is still necessary to send signed loan documents for the first time.
The main differences with other loans include the aforementioned need to send a signed contract by post at the first request. This step cannot be done electronically, so the first loan always takes a little longer and is not ideal for those who are in a hurry. The advantage is, however, the possibility to borrow the maximum amount at the same time, as well as the fact that you do not have to send any fee in advance, even (quite often required) crown registration. Another good news is that you only pay for the renewal fee at the end, along with the entire amount due.
The Lapointe Loan has very slight customer requirements at first glance, giving the impression that almost every adult can get it. In fact, however, approvability is not very high and a large number of requests are rejected. This is because the provider of the loan does not want people to be unnecessarily in debt and lends only to those who are sure that they will not have trouble repaying the loan. However, applying is not worth anything, so if you are interested in a loan, try it at least – you have nothing to lose because there is nothing to pay in advance.
You need money now, loan companies online for bad credit have it
You can arrange a loan from Lapointe comfortably over the Internet, no personal agreement at the branch is possible. To fill in the form, prepare your ID card and also prepare a bank account number – you will need both.
If you are interested in this offer, we can definitely recommend the online loan for bad credit, the process is very fast and easy, you can have the money in the account within a few hours.
FAQ – Frequently Asked Questions
How much can I borrow with Lapointe? Is it possible to get more for recurring loans?
You can borrow from $ 1,000 to $ 8,000. Unlike a lot of competing loans, there is no restriction for new clients, so you can get 8,000 for the first time. However, Lapointe does not provide higher amounts, even for regular clients.
How about extending a loan? How long can it be extended and how much does it cost?
Surely you can extend the loan by 7 days. Then you can extend the same time one more time for a total of up to 2 weeks. However, a longer maturity extension is not possible. The fee depends on the amount of the loan, but it is interesting that it is not paid in advance, but only at the end together with the entire amount due.
Can I get this loan with a record in the debtor’s register?
Yes, the entry in the debtor’s register is not an obstacle, but Lapointe judges the application quite strictly and may be rejected. But automatically, a registry entry doesn’t mean you can’t get a loan, it depends on multiple factors.
Do I have to send a signed contract every time I apply for this loan?
Certainly not, you are sending signed documents only for the first time, then everything is very fast and easy – you only make other loans on the Internet.
Can I arrange a loan personally, or is it only via the Internet?
Not personally, but in addition to the internet application, a telephone line is available to those interested in the loan. They will be happy to answer your questions and help you with the loan application.
Is something prepaid to pay? I wouldn’t like to pay a fee and then didn’t get a crown.
No, you don’t pay a crown in advance at Lapointe. No verification fee is required, so you don’t have to worry about anything – the loan is absolutely safe.
How fast will I get money on my account when I borrow repeatedly at Lapointe?
It depends on the day and time you apply. If the application is submitted on a business day within 12 hours, you should still have the same day credited on your account, if you request after 12 am then the next day. However, if you submit it on a weekend or public holiday, the payout may take a little longer. In any case, a simple application is available on the Lapointe website to determine when you will have money in your account.
The non-bank loan from Lapointe is a typical short-term quick loan in terms of interest rates and fees – while interest rates and, in particular, APR is higher, they are not fundamentally different from other products on the Czech non-bank market. Rather, the differences are that the first time you have to sign a signed contract or that the extension fee doesn’t have to be paid in advance. Although the loan is not one of the fastest and many applications are rejected, on the other hand, we must commend the utmost reliability and seriousness – clients do not have to be afraid of any hidden fees, senseless sanctions or other pitfalls. Lapointe is a loan that almost anyone who meets the basic condition of legal age and Czech citizenship can obtain a loan and is able to repay it without any problems.