Deprecated: Creation of dynamic property wpdb::$categories is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/wp-db.php on line 668

Deprecated: Creation of dynamic property wpdb::$post2cat is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/wp-db.php on line 668

Deprecated: Creation of dynamic property wpdb::$link2cat is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/wp-db.php on line 668

Deprecated: Return type of WP_Theme::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-theme.php on line 554

Deprecated: Return type of WP_Theme::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-theme.php on line 595

Deprecated: Return type of WP_Theme::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-theme.php on line 535

Deprecated: Return type of WP_Theme::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-theme.php on line 544

Deprecated: Using ${var} in strings is deprecated, use {$var} instead in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/comment-template.php on line 1745

Deprecated: Return type of WP_REST_Request::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/rest-api/class-wp-rest-request.php on line 960

Deprecated: Return type of WP_REST_Request::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/rest-api/class-wp-rest-request.php on line 980

Deprecated: Return type of WP_REST_Request::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/rest-api/class-wp-rest-request.php on line 992

Deprecated: Return type of WP_REST_Request::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/rest-api/class-wp-rest-request.php on line 1003

Deprecated: Return type of WP_Block_List::current() should either be compatible with Iterator::current(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 151

Deprecated: Return type of WP_Block_List::next() should either be compatible with Iterator::next(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 175

Deprecated: Return type of WP_Block_List::key() should either be compatible with Iterator::key(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 164

Deprecated: Return type of WP_Block_List::valid() should either be compatible with Iterator::valid(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 186

Deprecated: Return type of WP_Block_List::rewind() should either be compatible with Iterator::rewind(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 138

Deprecated: Return type of WP_Block_List::offsetExists($index) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 75

Deprecated: Return type of WP_Block_List::offsetGet($index) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 89

Deprecated: Return type of WP_Block_List::offsetSet($index, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 110

Deprecated: Return type of WP_Block_List::offsetUnset($index) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 127

Deprecated: Return type of WP_Block_List::count() should either be compatible with Countable::count(): int, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-list.php on line 199

Deprecated: Creation of dynamic property wpdb::$form_entrymeta is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/wp-db.php on line 668

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wp-external-links/includes/admin/class-wpel-network-page.php on line 52

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wp-external-links/includes/admin/class-wpel-settings-page.php on line 84

Deprecated: Creation of dynamic property EverestForms::$task is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/class-everest-forms.php on line 337

Deprecated: Creation of dynamic property EverestForms::$smart_tags is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/class-everest-forms.php on line 338

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property autoptimizeImages::$lazyload_counter is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/autoptimize/classes/autoptimizeImages.php on line 34

Deprecated: Creation of dynamic property autoptimizeImages::$lazyload_counter is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/autoptimize/classes/autoptimizeImages.php on line 34

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property Yoast\WP\SEO\Main::$helpers is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/lib/abstract-main.php on line 65

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property EVF_Field_First_Name::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-first-name.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Last_Name::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-last-name.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Text::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-text.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Textarea::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-textarea.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Select::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-select.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Radio::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-radio.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Checkbox::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-checkbox.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Number::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-number.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Email::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-email.php on line 23

Deprecated: Creation of dynamic property EVF_Field_URL::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-url.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Date_Time::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-date-time.php on line 23

Deprecated: Creation of dynamic property EVF_Field_File_Upload::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-file-upload.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Image_Upload::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-image-upload.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Hidden::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-hidden.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Phone::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-phone.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Password::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-password.php on line 23

Deprecated: Creation of dynamic property EVF_Field_HTML::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-html.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Divider::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-divider.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Title::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-title.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Signature::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-signature.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Address::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-address.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Country::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-country.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Range_Slider::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-range-slider.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Privacy_Policy::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-privacy-policy.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Captcha::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-captcha.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Payment_Single::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-payment-single.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Payment_Radio::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-payment-radio.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Payment_Checkbox::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-payment-checkbox.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Payment_Quantity::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-payment-quantity.php on line 22

Deprecated: Creation of dynamic property EVF_Field_Payment_Total::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-payment-total.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Credit_Card::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-credit-card.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Rating::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-rating.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Likert::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-likert.php on line 23

Deprecated: Creation of dynamic property EVF_Field_Scale_Rating::$order is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/everest-forms/includes/fields/class-evf-field-scale-rating.php on line 23

Deprecated: DateTime::__construct(): Passing null to parameter #1 ($datetime) of type string is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/script-loader.php on line 333

Deprecated: Creation of dynamic property WP_Block_Type::$skip_inner_blocks is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-block-type.php on line 347

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/pomo/translations.php on line 293

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/conditionals/third-party/elementor-edit-conditional.php on line 22

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/conditionals/third-party/elementor-edit-conditional.php on line 28

Deprecated: trim(): Passing null to parameter #1 ($string) of type string is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp.php on line 173

Deprecated: Creation of dynamic property WP_Term::$object_id is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-includes/class-wp-term.php on line 198
Pożyczki długoterminowe — 4 rzeczy, które musisz wiedzieć, zanim po nie sięgniesz - Pożyczko
Deprecated: Creation of dynamic property Yoast\WP\SEO\Surfaces\Classes_Surface::$container is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/surfaces/classes-surface.php on line 20

Deprecated: Creation of dynamic property Yoast\WP\SEO\Main::$classes is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/lib/abstract-main.php on line 65

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$page_type is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 43

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$robots is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$title is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$source is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$meta_description is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$canonical is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$rel_prev is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$rel_next is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_locale is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_type is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_title is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_description is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_url is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Context\Meta_Tags_Context::$wordpress_site_name is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

Deprecated: Creation of dynamic property Yoast\WP\SEO\Presentations\Indexable_Post_Type_Presentation::$open_graph_site_name is deprecated in /home/platne/serwer20515/public_html/pozyczko.pl/wp-content/plugins/wordpress-seo/src/presentations/abstract-presentation.php on line 64

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Pożyczki długoterminowe — 4 rzeczy, które musisz wiedzieć, zanim po nie sięgniesz

Pozabankowe instytucje pożyczkowe udzielają nie tylko popularnych chwilówek — pożyczek krótkoterminowych z okresem spłaty do 30 dni. Wychodząc naprzeciw oczekiwaniom klientów, wiele z nich oferuje także pożyczki długoterminowe. Czym są w praktyce? Na jakich zasadach działają? Co warto wiedzieć, zanim po nie sięgniesz? Podpowiadamy.

Konstrukcja pozabankowych pożyczek długoterminowych do złudzenia przypomina konstrukcję tradycyjnych pożyczek bankowych. Sięgając po każdą z nich, pożyczkodawca może pożyczyć nawet kilkadziesiąt tysięcy złotych i rozłożyć spłatę na kilka, kilkanaście, a nawet kilkadziesiąt miesięcy. Pozabankowych pożyczek długoterminowych udzielają jednak nie banki, a zdecydowanie bardziej elastyczne instytucje pozabankowe. Jakie konsekwencje niesie za sobą ta pozornie nieistotna różnica?

Pozabankowe pożyczki długoterminowe — szybko, wygodnie, bez formalności

Pozabankowe instytucje finansowe są zdecydowanie bardziej elastyczne i mniej radykalne od banków. Takie podejście skutkuje możliwością pożyczenia pieniędzy szybko, wygodnie, bez formalności i zbędnych zaświadczeń. Bez wychodzenia z domu, w 100% online, przy użyciu komputera, smartfona lub tabletu.

Jakie firmy oferują pożyczki długoterminowe?

Pozabankowe pożyczki długoterminowe online znajdziesz w ofercie kilkunastu instytucji pozabankowych. Wśród nich m.in.:

  • Hapi Pożyczki;
  • SuperGrosz,
  • Zaplo.

HapiPożyczki udziela pożyczek ratalnych w kwocie od 800 do 15 000 zł. Spłatę możesz rozłożyć na okres od 6 do 36 miesięcy. Pożyczki o podobnych parametrach oferuje SuperGrosz. Jako klient tego doskonale znanego pożyczkodawcy możesz sięgnąć po kwotę od 1000 do 15 000 zł i rozłożyć spłatę na okres od 4 do 48 miesięcy. Korzystając z usług Zaplo, pożyczysz maksymalnie 5000 zł, a pieniądze będziesz musiał zwrócić po trzech miesiącach (to jedyny możliwy okres spłaty).

Ile kosztuje pozabankowe pożyczka ratalna?

Sprawdźmy, ile zapłacisz za pożyczone środki w każdym ze wskazanym wyżej serwisów.

Jeśli pożyczysz 5000 zł w Hapi i rozłożysz spłatę na 12 miesięcy, koszt miesięcznej raty wyniesie 1 207,62 zł, a RRSO – 105,93%. Czy koszty pożyczki w SuperGroszu są porównywalne? Tak. Wysokość raty dla pożyczki o takich samych parametrach (10 000 zł na 12 miesięcy) to 1 242,92 zł, a RRSO – 118,23%. Sięgając po pożyczkę o maksymalnych parametrach (5000 zł na 3 miesiące) w Zaplo, zapłacisz miesięcznie 1950,03 zł. Całkowita koszt pożyczki wyniesie 850,09 zł, całkowita kwota do zapłaty 5850,09 zł, a RRSO – 159,80%.

Pożyczki długoterminowe dla zadłużonych

Czy większa elastyczność pozabankowych pożyczkodawców oznacza, że pożyczkę ratalną możesz otrzymać także osoba zadłużona? To zależy. Mimo swojej elastyczności działające zgodne z prawem instytucje pozabankowe nie pożyczą pieniędzy osobie zadłużonej z otwartą procedurą windykacyjną i zajęciem komorniczym. Podpisanie umowy z takim klientem nawet dla pożyczkodawców otwartych na potrzeby mniej wiarygodnych klientów, byłoby zbyt ryzykowne. Jeśli jednak zadłużenie jest niewielkie, a jedynym jego śladem jest niższy scoring BIK — szanse na pozytywną decyzję są całkiem spore. Wiele zależy tu jednak od innych parametrów — wysokości i źródła dochodów, innych regularnych zobowiązań finansowych wnioskującego czy historii poprzednich spłat (o ile takowe były).

Zanim sięgniesz po pozabankową pożyczkę długoterminową — 4 rzeczy, które musisz wiedzieć

Zanim sięgniesz po pożyczkę pozabankową:

  • upewnij się, że firma prowadzi legalną, uregulowaną prawem działalność. Zanim wybierzesz pożyczkodawcę, sprawdź, czy jego nazwa figuruje w rejestrze firm pożyczkowych prowadzonym przez KNF. Pamiętaj jednak, że nazwa serwisu pożyczkowego nie zawsze jest tożsama z nazwą podmiotu, który udziela finansowania;
  • sprawdź, czy spełniasz wymagania stawiane przez pożyczkodawcę. Choć w większości firm nie są one wygórowane, zdecydowanie lepiej zweryfikować tę kwestię przed złożeniem wniosku;
  • sprawdź, ile zapłacisz za pożyczone pieniądze i upewnij się, że stać Cię na pożyczkę. Koszty większości pożyczek pozabankowych są wyższe niż tych udzielanych przez banki. Główną przyczyną takiego stanu rzeczy jest większe ryzyko pozabankowych pożyczkodawców i idąca za nim potrzeba finansowej rekompensaty;
  • sprawdź, czy pożyczkodawca weryfikuje bazy BIG i BIK. Zwłaszcza jeśli Twoje dane figurują w rejestrze dłużników, a historia kredytowa w BIK-u pozostawia wiele do życzenia.

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