The leader of online lending market and the largest chain of kiosks and newspaper stores have started cooperation. After a successful pilot program, the lending offer will appear in 1000 points, and in the near future in the entire sales chain of RUCH.

Vivus loan may be contracted in a very simple way in specially marked kiosks. The customer gets a the starter pack from a kiosk for a defined amount of the loan. The pack contains all the necessary information and a loan application. The pack can be taken home to examine the conditions of the loan, or immediately apply for loan at the a kiosk. To obtain a loan, basic personal information and proof of identity are required. Vivus Finance checks the client’s creditworthiness and informs by sms about granted loan. The money is transferred to the account.

– RUCH is not only the point where a customer buys press, picks up packages or pays bills. This is a chain of mini service centers. The possibility of taking a loan at the kiosk is another novelty that we introduce, so that our customers in one place can satisfy as many needs as possible – says Dariusz Stolarczyk, Vice President of RUCH.

According to Beata Szwankowskia, the managing director of Vivus Finance, the cooperation with RUCH chain opens access to the Vivus offer for a whole new group of customers. – Financial offer, especially outside big cities, is still considered very relationally. Customers prefer to go to the newspaper store, which they have known for years, than fill out an online application – says Beata Szwankowska. – For the purposes of cooperation with Ruch, we have designed a brand new sales process, so-called “loan starters”. Its very important element is the fact that customer can, without any obligations, take the contract home, read and come back with it whenever they want. Due to defined amounts and dates, we could simplify its content – she adds.

Owing to sales in RUCH kiosks and brokerage chains, the lender would like to eventually gain half of land-based cash loans market. – The entire market of loan companies is estimated at about 4.5 billion PLN. Sales divided roughly equally between the Internet and land-based sale. Out of 2.2 billion PLN of land-based sale, 1 billion is attributed to short-term loans. By combining our offer, which is currently the best on the market, with such a strong partner that RUCH is, we would like to eventually take half of the market and reach the sales at the level of 500 million per year.

Vivus.pl is the largest Polish online lender, which serves more than half a million customers. The company offers loans for a period of 30 days, up to the amount of 2.5 thousand PLN, which are paid back at once. The company offers the first loan, up to 1200 PLN, for free.