Fine Bank, formerly a Japanese loan, is one of the most advantageous non-bank loans. Short-term and long-term loans can be used to raise money for unexpected expenditures and for larger investments. How much can I borrow and what are the fees? And what are Fine Bank’s reviews from clients who have already tried it?
Micro-loans Fine Bank loan is one of the best and safest
The Fine Bank Quick Loan in 2017 replaced the well-known Japanese loan, which has long been considered the best non-bank loan in the Czech republic. Fine Bank remains the cheapest non-bank loan and also brings several new benefits.
Fine Bank allows you to repay the first loan at no interest and no fees. So one pays only what he borrows. A big advantage is also the fact that it is not necessary to prove income. A bank account is not required and the matter can be handled online from the comfort of home.
First free loan
Applicants for the first Fine Bank loan can receive up to USD 10,000 with a maturity of two weeks to a month. If it is paid in 14 days, Fine Bank is completely free of charge, in case of repayment within 30 days, pay 33 USD per one thousand. Clients who have already used at least one Fine Bank loan can borrow up to USD 20,000 for 30 days under this short-term loan.
Regular customers are also offered a large Fine Bank loan in the range of USD 10,000 to USD 250,000 for 12 to 96 months, which is repaid in the form of regular monthly installments.
- Loan amount : USD 1,000 – 20,000
- A new client (max. Loan amount): 10 000 USD
- Maturity: 1 – 96 months
- Interest: from 0%
- Loan without register: no
- Loan without proof of income: yes
- Loan without guarantee: yes
The money will appear in the bank account within 1 hour of the approval of the application (for smaller banks the following day), or the amount can be withdrawn in cash. Each loan can be divided into up to 10 monthly installments for a fee. However, at least 10% of the principal must be paid.
A Fine Bank loan is negotiated without proof of income. You do not even have to prove your job, so it is a loan for the unemployed.
Fine Bank loan application – login to the client section
The loan application process is easy and fast. It can be obtained by candidates who meet the following conditions :
- permanent residence in the Czech Republic
- valid identity card
- Bank account
In the case of the first loan, it will be necessary to confirm the identity and bank account, which must belong to the person actually applying for the loan. It can be verified in two ways – the candidate either sends an account statement (with the account number and owner’s name) or a verification fee of USD 1.
The application itself is made online through the form on the company website. You will need a mobile phone in addition to your ID and bank account number.
Applying for a Fine Bank loan is quick and easy
After entering the required loan amount, detailed information regarding the due date, APR and the basic fee will be displayed. In the next steps, it is necessary to fill in personal data.
As it is a quick loan without proof of income, it is also necessary to fill in information about the financial situation. After submitting the application, it is sufficient to wait for the decision whether it has been approved or not. Applications are typically considered within 15 minutes.
The progress of the application evaluation can be monitored in the client section on the Fine Bank – login page.
Fine Bank is among the most advantageous loans due to low fees. For example, with a loan for new clients, no charges apply if it is repaid within two weeks.
For each additional loan, a basic fee of USD 33 per thousand USD is charged, postponing the due date by 30 days costs USD 49 for each lent thousand.
The sanctions and the absence of an arbitration clause prove that this is a secure loan. As with any other non-bank and bank loans, however, it should be borne in mind that in the event of late repayment, fees will be charged at a certain amount; in extreme cases, the claim may be recovered by a third party.