Direct Payday Loan Lenders No Credit Check Completely Online – Cemeteryofscream.Com

Get up to $1000 with direct payday loans

Guada loan is a payday, which is granted in the amount of 100 to 5000 PLN for a period of 1 to 30 days. For each new client, the first loan is free, from PLN 100 to PLN 1000, for a period of 1 to 30 days. That’s the title of the foreword, let’s get to the details. You will find detailed information from for direct payday loans.

What do they write about themselves on the Guada website?

The company does not write much about itself. He does not approve of his offer and does not emphasize its strengths. The website is prepared very carefully in terms of the most important information about the loan, the rules on which it can be obtained and repaid. The FAQ section is quite extensive, where you can find answers to many possible questions. Personally, this is a matter-of-fact approach. Short, concise and on the topic without unnecessary sweetening on your own subject.

First loan for free from APY = 0.00%

This is a promotion directed exclusively to new customers who use Guada for the first time. Thanks to it, they can borrow for free up to PLN 1,000 for 30 days. The promotion provides a loan cost of 0 PLN, and the APRC, in this case, is 0%. After the repayment deadline, you give back exactly as much as you borrowed without incurring any interest, commission or other charges. However, the first loan is 100% free only if it is repaid on time.

Who can use the Guada loan?

A Guada loan may be granted to a Customer who:

  • is between the ages of 20 and 76,
  • is a Polish citizen,
  • has a permanent place of residence on the territory of Poland,
  • has its own mobile phone,
  • has a bank account in Poland.

How to take advantage of Guada?

Taking a loan will not take more than a few minutes. This involves several steps to be taken:

  1. You must register on the Guada website and complete the registration form correctly.
  2. After registering correctly, you must confirm your details and bank account number by transferring 0.01 PLN from your personal account (SKOK is not accepted) to the Guada bank account.
  3. After correct execution of the above-mentioned activities, your application will be processed immediately and you will be informed by SMS via the SMS. After a positive positive decision, the money will be transferred immediately to the bank account provided in the application.

Downloading another loan is much easier and you can do it in 2 ways:

  1. Apply for a loan via the Internet, simply login to your profile and enter the amount and time you want to get a loan.
  2. Apply for a loan by phone, which you will receive by SMS.

Applications are processed from 8:00 to 22:00.

Possible reasons for the rejection of the loan application

Guada may refuse to grant a loan if:

  • you have arrears or delays in repayment of other loans or loans,
  • you provided false data during registration,
  • you do not meet the terms of the contract and regulations,
  • you have not met the verification conditions,
  • you have not yet repaid the previous loan in Guada.

Can Guada’s delay be extended?

Unfortunately, the company as one of the few parabanks does not make this solution available to its clients.

How much does Guada pay for?

The first loan is free:

  1. the maximum amount of the first loan is PLN 1000,
  2. a one-off registration fee charged only for the first loan is PLN 0.01,
  3. The actual Annual Interest Rate (APY) is 0%.

A representative example for the first loan:

  • the total loan amount is PLN 1000,
  • the duration of the contract is 30 days,
  • the fixed interest rate of 0% per annum,
  • the total cost of the loan is PLN 0,
  • total amount to be paid PLN 1000.

A representative example for another loan:

  • total loan amount PLN 2000,
  • the duration of the contract is 30 days,
  • the fixed interest rate of 10% per annum,
  • the total cost of the loan 562.16 (including capital interest PLN 16.44, commission PLN 545.72),
  • Actual Annual Interest Rate (APR) 1936.3%,
  • total amount to be paid PLN 2562.16.

The Guada loan has advantages. but also defects that are worth knowing before using it


  • free loan up to PLN 1,000,
  • loans available online 24 / h


  • minimum age of the borrower for 20 years,
  • the company checks debtors’ registers BIK, BIG, KRD, ERIF,
  • high costs of further loans.
  • a small amount of the first loan free,
  • no loyalty program,
  • no opportunity to extend or refinance a payday,
  • no verification without the requirement to transfer one penny.

Customers’ opinions about the company and the Guada loan

Guada loan, although it has more disadvantages than advantages, however (although I do not know why) can arouse the interest of readers of the blog. However, before deciding to use it, it is worth to learn more about it directly at the source. Most of this offer will be told by the opinions of clients who have already used the time of Guada. That’s why I encourage customers to share their blog’s readers’ opinions about both the loan and the company. I also invite readers of the blog to evaluate this loan, because all your opinions are the best source of knowledge for possible borrowers.