Does the customer need to have a personal account with UniCredit to apply for a cash loan?
No, you do not need to have a personal account with UniCredit.
Does the customer need to obtain their spouse’s consent?
Yes, in the case of joint property, the bank may request the spouse’s consent.
How does the customer provide the spouse’s consent?
The process takes place online-the spouse receives a text message with a code to confirm consent. In some cases, the spouse must verify their identity.
Does the bank require a guarantor from the customer?
No, a guarantor is not required.
Does the cash loan require collateral?
No, the loan is unsecured.
What documents must the customer provide when submitting an application for the cash loan?
A customer who does not use PSD 2.0 must provide bank statements for the past 6 months and confirmation from ZUS regarding paid social security contributions. In some cases, an analyst may request additional documents. Applications submitted via the mobile app or website may only use income confirmation from PSD 2.0.
What is the application process for businesses and self-employed individuals, and what documents are required?
The process is identical to that for individual customers.
Was this article helpful?
That’s Great!
Thank you for your feedback
Sorry! We couldn't be helpful
Thank you for your feedback
Feedback sent
We appreciate your effort and will try to fix the article