Loans Online Bad Credit Instant Decision -Lindavistapta.Com Wed, 29 Jul 2020 12:22:47 +0000 en-US hourly 1 Bad credit instant online loans -Low credit loans online from $300 to $4600 Tue, 07 Jan 2020 08:28:44 +0000 Read More]]> Low credit loans online from $300 to $4600

Bad credit fast loan
You wish to obtain a loan of money to the bank, but your credit does not allow it. You should click here to signup with and apply for low credit loans online. The criteria are lightened to just accept more people with bad credit.

What is the quick loan

A quick loan is a form of loan that can quickly help someone in need. You must understand that this type of loan gives more possibilities to the user. However, the rate remains much higher than for a conventional loan.

A lack of credit affects your lifestyle

Ask anyone who has gone bankrupt, you will find it much more difficult than to do business with companies. The fact that you have gone bankrupt puts you in a situation of lack of confidence a priori. You will have to provide more justification for a simple request.

The loan for people with disastrous credit

The loan for people with disastrous credit
You have bad credit, you are banned from your financial institution. I know it, you know it, unfortunately, your bank does not lend to people who aspired to credit. The banks’ business model offers less flexibility than for small lending companies.
When you are in this type of situation, you should know that the only solution for you is to do business with microcredit companies. The rate is much higher, the lender protects himself in this way.

What does bad credit mean?

What does bad credit mean?
You have been in default on several accounts or you are at the end of a bankruptcy. You probably have bad credit. Missing payments or giving up your house at the bank makes you a bad payer. Yes, you are now on the smooth black of banks and credit companies.
Unfortunately, it will be difficult for you to simply borrow for furniture. The furniture merchant like that of the car makes regulates; errors of the requests in order to know if the customer in front of him is solvent. That is, you may or may not be eligible for the loan.

Personal loans and subsidized loans: how to get them? Sun, 29 Dec 2019 07:06:50 +0000 Read More]]> The facilitated personal loan

The facilitated personal loan

The repeated interventions of the legislator, the implementation of European funds, and a targeted offer by the banks, have increased the number of loans that fall within the category of subsidized loans. In general it can be said that these are loans offered on favorable terms, on the basis of laws or agreements, and reserved for certain categories of persons falling within the canons established by the regulation.

That is, a loan for the purchase of books, computers, educational material, or the payment of University Masters, for atypical workers.

Other loans that fall into this category are loans for young people and for women, often provided through the creation of special funds by the regions (such as the Lazio Region, Sicily, Puglia, etc.). The local nature of these funds forces the potentially involved categories to stay constantly informed. It is in fact loans with a generally temporary or revolving character (therefore until the allocation is exhausted or until the deadline for the assignment).

Finally, there are forms of financing that are structural in nature and that can only be granted to specific categories. These subsidized loans are stable but are limited by the allocations periodically made, and can only be granted for certain purposes or liquidity needs. For example, these are subsidized INPS loans, both in the version addressed only to former Ipost post office employees and former Inpdap public employees, and to all pensioners.

What is the facilitation?

What is the facilitation?

The benefits often concern the interest rate and the guarantees.

By way of example we recall the Family Bonus that has exploited both aspects (subsidized rate and access regardless of income strength) and also the initiative “An [email protected] for a PC”, which provided for a loan guaranteed by the State, for the ‘purchase of a portable PC for the price of 1 euro per day (the price of a cappuccino), intended for students regularly enrolled in state universities.

Or the most recent Youth Bonus or the Teacher Bonus and the Music Bonus. In these latter cases it is a benefit (one has a credit line that can be spent without restitution) and not a real form of financing, even though it is a benefit dedicated only to specific categories.

The loan agreement for deserving students

The loan agreement for deserving students

If instead we consider the improvement conditions deriving from agreements between private individuals and universities, we find a different example of facilitation with the loan ad Honorem proposed by OneCash Bank to all university students enrolled at the participating universities. The purpose is to finance the entire course of study and, possibly, entry into the world of work.

In this case the facility consists of obtaining a credit line that can be used freely for a maximum of 3 years without payment of the installments.
Therefore, it is not a question of facilitating economic conditions, but of repaying the loan.

At the end of the agreed period, in fact, the sum used + accrued interest will be transformed into a repayable personal loan, based on one’s availability, in a period ranging from 1 to 15 years.

It is also possible to use an optional time period, of a maximum duration of 2 years, in which the payment of the installments is postponed, in order to enter the world of work with more serenity.

We find other similar examples with DER and Astro. The common aspect of the different proposals of the big banks is linked to accessibility criteria often conditioned by the scholastic “merit” of the student.

Indirect funds and “benefits”: microcredit

Indirect funds and "benefits": microcredit

The formula of the “guarantee” fund was the one most used in the last 5 years, thanks above all to the assertion of microcredit. This very often requires that the applicant obtains the strengthening of personal income guarantees with access to the fund itself. This means that the allocation is not directly applied, but the sum requested will be paid by a bank that has an agreement with the institution that established the Fund.

In this type of financing the lending credit institution is ‘reassured’ by the fact that if the applicant, who has problems accessing credit, does not have to repay his loan, the fund will do so. For this reason, when the fund ceiling is entirely occupied by guarantees, it can no longer be used. Unlike student loans, agreements between banks and institutions also define reductions in the interest rates applied.

Subsidized loans to companies or small and medium enterprises

Subsidized loans to companies or small and medium enterprises

With regard to this sector, and with reference to financing, there are two categories of subsidies: subsidized loans for the start-up of a new business activity, and subsidized loans for the support of an existing and already started activity.

This type of loan is assigned through a call for tenders, which works on the basis of a regulation which indicates:

  1. requirements;
  2. type of expenses and activities allowed;
  3. subjects that can benefit from it;
  4. cost coverage percentages;
  5. percentage of the subsidized rate;
  6. presence of a quota, if foreseen, with a grant.

Funding opportunities can occur at European, national or regional level, through the allocation of funds that have a specific deadline, or are until resources are exhausted.

At the Bankate it is possible to request detailed information about the type of intervention, the sector concerned, the beneficiaries, the total budget or the percentage of funding, the deadline and the references for further information.

At the banks it is possible to access subsidized forms of credit, for example we can mention the Law 949 Artisans, which provides for public contributions to facilitate the financing of craft businesses.
The Sabatini Law is also very important, established to facilitate the purchase or production of machine tools (including agricultural machines).

Due to the difficulties that emerged during the period of crisis and the reduction of employee-type employees, to encourage self-employment, Invitalia was also born. In these cases, to access the funds (the allocation of which is not constant but is strongly influenced by budgetary policies and resources from the European community) the minimum requirements must be fulfilled, which very often have benefited young people and the unemployed.

Even in this case, however, good communication is lacking, so you need to keep yourself constantly updated by going directly to Invitalia’s website from time to time, or by using sites that deal extensively with the various news.

Credit for Dental Treatment Mon, 09 Dec 2019 06:42:00 +0000 Read More]]> You can often apply for a loan for your dental treatment in the dentist’s waiting room. Providers, such as Z | easy, promise cheap credit and direct billing with the dentist and the laboratory.

We want you not to be blinded by advertising. In June 2016, we compared the special loan for dental treatment with the equivalent of tooth financing through direct banks. Our tools for credit comparison are the installment calculator on the special provider’s side and a free credit comparison calculator.

Dental treatment credit – best treatment for self-payers

Dental treatment credit - best treatment for self-payers

With their credit for dental treatment, patients compensate for the lack of care after various “health reforms”. In return, the dentist gives self-payers access to the latest treatment methods and the best dentures. Dentists can now finally recommend the veneer instead of the crown in a cost-neutral manner. Dentists no longer have to grind half a tooth so that the patient does not have to pay the costs.

From this perspective, the current situation, with fixed subsidies from health insurance companies and optional supplementary insurance, even offers the chance of more dental health. If patients pay for the services themselves, you can of course decide what happens to your teeth. Gold instead of steel – quality can decide from the inlet to the dental implant. Second-class dentistry for everyone has given way to two-class medicine.

Because, the high own contribution decouples people from good dental treatment who do not have sufficient creditworthiness for regular lending. Credit for dental treatment is only granted by regular banks and the specialist provider if a sufficiently good credit rating can be demonstrated. This gives a fair starting position for the comparison of credit costs.

Dental loan – loan comparison special loan versus direct bank

Dental loan - loan comparison special loan versus direct bank

People are looking for dental credit in a range from around 2500 to 15000 USD. For example, a fixed anterior tooth bridge in veneered precious metal costs around 2400 to 2800 USD. (Depending on the bonus). A single implant is roughly at the same price level, although potentially necessary bone growth increases the price by leaps and bounds. Four support teeth as implants, without major complications, lead to a share of 14,700 USD.

In comparison of convenience, the special credit for dental treatment scores through direct billing with the dentist and the laboratory. But in order to save two online transfers, a post office would have to be visited twice to apply. It would be easier to apply for a loan from the direct bank with a videoident check. Without leaving home, the credit process can be completed in less than 30 minutes.

In this case, instead of going to the dentist, the approved loan ends up in your own checking account. It takes about two to three working days for the money to arrive. As a first comparison value, we enter $ 2,700 credit for dental treatment in the rate calculator of the specialist provider. For a monthly rate of 122 months, the sum would be financed with a term of 24 months. This results in a total of 228 USD in financing costs. (6.90 percent APR).

For the same loan amount, with interest independent of creditworthiness, the free credit comparison calculator suggests an installment payment of 114.59 USD. The credit comparison calculator shows the effective annual interest rate for this loan offer, again with a term of 24 months, at 1.79 percent. The direct bank earns a total of 50.22 USD from the financing. Direct bank financing would thus be almost 178 USD cheaper than special financing.

Credit comparison – 15,000 USD credit for dental treatment

Credit comparison - 15,000 USD credit for dental treatment

The special loan offers 15,000 USD credit for the dentist bill at 9.90 percent APR. With a term of 72 months, monthly installment payments of 275 USD would have to be made. Overall, the financing costs for the special loan amount to $ 4800 interest.

The same amount could be raised via the free credit comparison at 3.69 percent effective APR. With a term of 72 months, the monthly installment payment for the direct bank loan is $ 232.15. In total, the direct bank loan costs interest of 1714.86 USD.

Conclusion credit comparison – dentist loan

Conclusion credit comparison - dentist loan

The apparently convenient offer to finance dental treatment directly from the waiting room is not necessarily the optimal solution. The only noticeable advantage in comparison would be the convenience of direct billing. The application process itself is much less convenient than with a direct loan. In the cost comparison, the credit for dental treatment via special financing is completely out of the ordinary.

With small loan amounts, the financing costs about four times the price of financing a direct bank. In the case of a larger loan for dental treatment, the official rate calculator of the specialist provider calculates 2.8 times the financing costs. With such large sums, it would be extremely expensive to ignore the price difference. With 15,000 USD dentist credit through the specialist provider, 3085 USD interest would be paid unnecessarily.

Our recommendation:

Recalculating and comparing is always worthwhile. With the loan for dental treatment, you can save a lot of money by visiting a free credit comparison. Our recommendation from people with restricted credit ratings, for whom neither a special offer nor a direct bank loan are eligible, is Astro Finance.

Astro Finance offers people serious access to credit that would otherwise fall victim to two-tier medicine. Low-interest loans, probably even cheaper than the special offer, could also come from private sources.

Overdraft facility credit – today or better tomorrow? Mon, 09 Dec 2019 06:29:28 +0000 Read More]]> Do you still have doubts whether a loan to compensate for overdraft facility is worthwhile in your case or whether an iron saving would compensate for the overdraft facility?

We would be happy to calculate how much your current overdraft facility will cost you. In addition, the sample calculation will clearly show you that if you save yourself, if you allow yourself to be disciplined, you will pay extra.

The overdraft facility not only disappears more easily with an installment loan at a low interest rate and compatible installment payments. You save a lot of money from day one.

Dispo is part of everyday life in most German households. About half of all current account owners use their overdraft facility occasionally or even permanently. Account owners are not in a hurry with a credit to offset the overdraft facility. As long as the house bank does not warn, given the high overdraft interest this can take decades, everything remains the same.

It is of course planned in every household to put the overdraft facility in its place by saving iron. With a little self-discipline, it would be a laugh if the account didn’t come back to zero without a loan. This is exactly why the overdraft solidifies as soon as a certain account balance is reached. The level is different for everyone, but statistically the level is 3,000 USD overdraft.

Short question: “Do you know how much overdraft interest your house bank charges”? Most only know that the overdraft facility is expensive. Exactly how much money the house bank earns is unread on the account statement of the statement. Stiftung Warentest wanted to know more and found overdraft rates between just under 5 percent and 17.5 percent. The middle field in our research was around 14 percent effective interest.

For comparison, an inexpensive installment loan is around 2 percent effective interest pa, i.e. 12 percent lower. It becomes clearer that there is no time for the credit to offset the overdraft facility if real figures in USD prove the interest costs.

How much does the overdraft facility actually cost?

How much does the overdraft facility actually cost?

For the calculation example, we assume an overdraft of 2,900 USD. We do not use the bank’s overdraft facility for extreme examples, but for an average of 14 percent effective interest per annum. The overdraft facility thus costs the account holder $ 406 a year. With self-discipline with regular card payments, that’s a thing. Let us assume that it will work.

In 36 months, the overdraft facility should be offset by pure savings. As an annuity loan calculates, a monthly savings rate of 97.96 USD would have to be made. In 36 months of iron saving without becoming weak, a total of $ 626.56 interest would be paid. In comparison to the “permanent dispo” a clear saving. But a credit for overdraft facility does much more.

In the free loan comparison, there is currently 2,900 USD in credit at an interest rate of 1.99 percent that is independent of creditworthiness. The monthly payment in installments would be 14.93 USD cheaper than the savings rate. The household budget would only have to shoulder 83.03 USD a month. The rate can be so much cheaper, since instead of 626.56 USD interest only 89.01 USD financing costs arise.

Fast installment loan for overdraft facility compensation – don’t give away money

Fast installment loan for overdraft facility compensation - don

If you are not in a hurry with your overdraft facility through an installment loan, you mean really well with the house bank. There can be no other reason, such as no time to apply for a loan. The credit comparison of regular credit offers for overdraft settlement takes a few seconds. Only two entries are required, loan amount and term, since “at your disposal” is practically always preset.

Just select the provider you want. If the credit requirement were about the same as our numerical example, you would earn a good 500 USD in the next five minutes. Even inexperienced users do not need more than five minutes to complete the online application. If a loan offer with Videoident is chosen, borrowers don’t even have to leave the house for the online loan.

The legally required ID check takes place when applying via Videoident via Skype. An employee of the test company calls via video telephony within about 30 minutes. He checks the ID card and the documents to be submitted. Depending on the provider, the credit required for the overdraft facility can reach the checking account within 48 hours and save interest.

Weak credit rating – overdraft facility is always worthwhile

Weak credit rating - overdraft facility is always worthwhile

People with a somewhat weaker credit rating are often sitting particularly deep in the dispo trap. The overdraft facility is granted to them. The house bank does not want to grant an installment loan for debt rescheduling with low income or precarious work. Instead of 14 percent, as in the sample example, people in this situation often even pay up to 20 percent interest.

The overdraft facility above the actual overdraft facility, the so-called approved overdraft for a limited time, leads to the high risk premiums. A regular loan to cover the overdraft facility by a guarantor or co-applicant would be possible. However, we recommend maintaining independence and pointing out alternative loan offers.

For example via Cream Bank or Astro Finance, overdraft facility compensation by private donors would be possible. With the application via Cream Bank, banks and private investors willing to take risks would be reachable at the same time for the request for credit for the overdraft facility.

New rules for payday loans – what are they and will life come in? Sun, 08 Dec 2019 07:04:12 +0000 Read More]]> Proponents of consumer rights say the new payday loans policy will help low-income people and families trapped in endless debt cycles. Industry representatives argue that payday loans are an option for people facing unexpected expenses or emergencies. The rules may paralyze the industry, which according to the report accumulated several billion in revenue from fees, check out the best deals.

Here’s what you need to know about payday loans and new rules.

What are payday loans?

What are payday loans?

Payday loans usually range from 200 to 1000 USD and must be repaid when the borrower receives the next payment. On average, borrowers incur a fee of USD 15 for each USD 100 borrowed. This is equivalent to over 391% of the annual interest rate. The government may limit access to payday loans in some areas or limit the amount that people can borrow. Some countries have banned them completely, according to the national conference of legislative bodies.

What is the controversy?

What is the controversy?

It is argued that most customers who take out payday loans cannot afford them. About four out of five customers decide to take out a loan again within a month. According to this quarter, the loan is borrowed more than eight times. They are constantly getting new fees. Numerous groups have long recognized the payday loans practice as “predatory”. Some customers are trapped by loans in a harmful debt cycle – but that’s a small percentage, maybe 15%. Industry representatives explain: “We get about 4% return on investment” or “We don’t make indecent profits on people’s harm”,

What do the new rules dictate?

What do the new rules dictate?

1) Lustration of borrowers

Lenders will need to check the borrower’s income, cost of living and major financial obligations (such as a mortgage or car). In most cases, this means downloading a credit report.

2) Special rules for loans below USD 500

Borrowers who take out loans of smaller value do not necessarily have to go through all the lustration obstacles. But these borrowers must pay at least a third of their loan before they can buy another one. It is borrowers and indebted borrowers who can also help prevent borrowing.

3) Limits on the number of loans

If the borrower takes three payday loans in the short term, lenders must cut him off from them for 30 days. In addition, unless they prove their ability to pay back the whole thing, borrowers cannot take more than one loan at a time.

4) Prevention of criminal charges

Lenders cannot continue to attempt to withdraw payments from the borrower’s account if they do not have sufficient funds. After two attempts to pay, lenders will need to re-approve the borrower’s payment method. The new rules may come into force – but this is not a foregone conclusion. They will also apply to other types of credit products than traditional loans. This includes auto loans and long-term loans related to bank payments.

What does this mean for lenders? Some borrowers may be forced to close the deal. What does this mean for consumers? If payday loans are not available in some areas, there are alternative options. These include some short-term loans offered by some Community banks or credit unions. Some employers also offer advance programs.

Is it possible to borrow money for housing despite payment concerns? Fri, 06 Dec 2019 22:59:51 +0000 Read More]]> A payment note can often be a barrier for those who want to borrow money. If it is then a large loan that you wish to take, which a mortgage loan normally is, you would think that it is extra difficult to borrow the money needed.

But this is not actually the case, but it can often be easier to get your loan application approved if it is a mortgage loan you are applying for. The fact that this is to a large extent has to do with the collateral that is behind a mortgage loan and that the bank’s risk is actually not so great.

The home that you buy will be collateral for the loan, which means that the lender has a greater opportunity to get their money back if you would not be able to handle your payments. They can simply demand that the home be sold and that the money be used to repay the loan.

For example, they cannot do such a thing for a private loan where there is no collateral. Then they are instead forced to rely on the fact that finds something else to recover, which is not at all safe. It is for this reason that a mortgage loan also has a lower interest rate than a private loan. The banks believe that a mortgage is a safer loan.

Just because it is possible to take a mortgage with a payment note, it is obviously not that you should do so and in most cases you do not have to worry about the bank taking your home. The idea when you take out a loan is of course that you will repay this as planned. What we are only highlighting is why it is easier to get a mortgage if you have payment notes compared to other loans.

The classic banks

The classic banks

Since a mortgage loan is usually so large, every small difference in interest rates will have a great impact on how expensive it is to borrow. This is where the big banks come in as they are often the cheapest when it comes to mortgages. But at the same time, these are the most restrictive when it comes to lending to people with payment complaints. Usually it is hot that they do not lend to a person who has comments.

But this is not a rule but more a guideline. So our tip is that you first contact the bank where you are currently a customer, alternate your local bank, and check the situation with them. You should then contact the bank directly with a contact person. An application online will most certainly be denied.

If you declare your situation, it is quite possible that they approve your application. Then, of course, it is required that you have a good economy in general which makes them feel secure in lending money despite the payment note. But you should know that it is not at all certain that they will approve you even if you have a good finances. However, it does not cost you to make a call with the bank to check the situation.

Another thing that can help is if you find someone who is the guarantor of the loan. In such cases, this person would become liable if you cannot pay and the repayments are not properly handled. Therefore, it is important that you consider this option carefully, both for your own sake and for the one you want as a guarantor.

Special lenders

Special lenders

If you have contacted the local bank and have been denied, the next step is to move on to other lenders. It is true that there are a number of lenders in the market who specialize in lending money to people who have payment complaints. Some of these can be found here on the site.

Although these lenders have focused on lending money to people with payment complaints, there is no saying that your application will be accepted automatically. They do a credit check like all other lenders – the difference is that they have a little different rules for who gets approved.

However, the disadvantage of these lenders is that the interest rate often becomes higher as there is a greater risk for them to lend money to people who are not as creditworthy. You simply get a value if you think it’s worth paying a higher price to borrow the money or not. We are not going to say in any way what is right or wrong, because there is no good answer to this question. Your own situation must determine if it is worth the extra money to be able to buy a home.

Consider a more expensive mortgage

What one should keep in mind is that a loan always involves a certain cost. A home loan where you have both a fairly large repayment and interest expense will thus mean that you have to pay a great deal every month. Try to think through if you really can afford it and don’t borrow if you feel your finances are too weak. You can quite easily calculate how much a loan costs each month.

Obviously, if you have payment remarks, it does not automatically mean that you have poor finances. It may just have been some unnecessary carelessness that led to a complaint or is it an old note that still haunts even though you have been arranging your finances for a long time (since a payment note lasts for three years).

However, if you have a little worse finances right now, it might be a good idea to take an extra think. The lenders who approve mortgages with a note of payment are, as I said, more expensive and it is obviously worse to be forced to pay a higher fee when you have bad money. You need to make a good budget and see how much spending you would manage each month and make sure you have sufficient income to meet this.

Keep in mind that the interest rate may be low right now but that it will probably go up sooner or later. You must then also cope with the monthly costs of the mortgage with a new higher interest rate. This is often saved in a buffer, but you should also expect to pass a loan that has an interest rate that is a number of percent higher than the current mortgage rate, just to be on the safe side.

Online personal loan: all about this consumer credit Mon, 11 Nov 2019 07:11:28 +0000 Read More]]> Online personal loan is offered by all credit agencies, but also conventional or online banks. Without proof of use of money, the personal loan allows you to freely carry out small and large projects. We wondered where to find the best loan online, but most importantly how to make sure the application is accepted.

What is an online personal loan?

What is an online personal loan?

The online personal loan is a consumer credit without proof of use of money, which can be obtained 100% on the internet. Very developed, it allows you to finance a long trip as well as to buy gardening equipment. The major credit organizations have made every effort to obtain it by simplifying the procedures. Update on the main features of online personal loan:

  • Loan without proof of use of money
  • Fixed APR rate
  • Amount: between $ 200 and $ 75,000
  • Repayment period: generally 12 to 60 months (more or less in some cases)

Online personal loan rates

Online personal loan rates

Personal loans are a classic of consumer credit. The fact that it generally does not involve any proof of use makes it one of the preferred credits of the French. Online organizations are fighting a constant battle to offer the best personal loan online. Thus, it is possible to find a personal loan of $ 8,000 over 24 months at the best APR rate at Cofidis. But also to note that it is a competitor who is positioned at the top by selecting a different repayment period. Our example of an online personal loan for an 8,000 USD loan application over 48 months allows us to realize the significant differences in APR rates between several of the best personal loan offers online.


Personal loan simulation $ 8,000 over 48 months
Fixed APR rate
Monthly fees
Total cost of credit
Best Credit Organization
179.31 $
606.88 $
Second best offer
186,50 $
952,00 $
Third best offer
187.05 $
978.40 $


How to know if it will be accepted?

There is no point in getting the best rate if your personal credit application is denied. Our credit comparator has been designed to provide an immediate response in principle to each loan request. If the file is refused at the first organization, it is possible to query the following two best offers in one click. Or as many chances to get a first immediate favorable opinion.

Good to know: the conditions for accepting a loan differ from one organization to another. This is the reason why it is important to use a comparator connected to specialists when you are looking for a cheap personal loan.

The Benefits of Personal Loan Online

The Benefits of Personal Loan Online

The advantages of online personal loan are numerous:

  • Quick to get
    It is possible to get a quick personal loan notice. You just have to select “personal loan” on our form, implying the start of a form. Five minutes are enough to get a first response in principle from the organizations.
  • Simple
    The online personal loan is an easy credit. The fixed APR rate clearly indicates the total cost of the loan, as well as the monthly payments. The credit contract obtained after agreement in principle has no pitfalls. It is also easier to take time to read a credit agreement obtained online than when you are faced with an intermediary.
  • Accessible
    Our credit form can be completed at any time of the day. It is thus possible to simulate a personal loan online anytime, as long as an internet connection is available.
  • Free
    Applying for credit online is free, which is rarely the case over the phone, given the cost of customer service calls.

Alternatives to online lending

Several conventional methods also allow you to apply for a loan.

By telephone

Credit agencies have their own telephone line. It is possible to inquire about applying for credit by telephone, but most lines are chargeable. Our advisers are also available (03 20 88 52 11 – Monday to Friday from 9 a.m. to 8 p.m., 9 a.m. to 4 p.m. on Saturdays) to support each loan request.

Directly in branch

Some credit organizations have their own physical agencies. It is possible to obtain a Bankate personal loan directly from the group’s largest brands.

Personal loan online banking: a good formula?

Personal loan online banking: a good formula?

The vast majority of online banks offer credit solutions, but not always a personal loan without proof. In addition, it is most of the time necessary to be a customer of online banking to hope to obtain a credit. Almost all online banks offering a personal loan formula condition its obtaining by having a current or joint account. However, changing banks is far from the priority when you want to obtain credit.

Finally, the APR rates charged by online banks rarely compete with the best offers from specialist organizations. Despite everything, they are more interesting than those of traditional banks.

Classic banks lagging behind

The rate of personal loan conventional banks are generally unattractive, as shown in our study of the staff savings bank loan or the loan staff Banktire. Unfortunately, this is not the only negative point of credit in traditional agencies. Lagging behind on most of the criteria for a good personal loan, conventional banks also lag behind in the way they process files. The only advantage of the personal loan within a traditional bank is finally to have the possibility of exchanging in branch with an adviser, which is impossible in the case of a personal loan online.

How to get the best personal loan online?

How to get the best personal loan online?

With a few simple steps, you can identify the best personal loan online, but also make sure you receive a favorable opinion.

  1. Identify your need for money and the ideal repayment term by performing a personal loan simulation online. This first step makes it possible to sort out the best APR rates adapted to your situation.
  2. Organizations connected to our credit comparator are able to provide an immediate response in principle to each request. In the event of an unfavorable response at the best rate, it is possible to question the following two specialists with one click.
  3. Once the online personal loan contract has been obtained, all that remains is to check the conditions and supporting documents before signing. The most reputable credit organizations now offer the possibility of signing the contract electronically, in order to save time.
  4. Once the credit contract has been received and approved, the organization can pay the money from the 8th day, depending on the duration of legal receipt of consumer credit. The validation of the contract also leads to the start of the withdrawal period, fixed at 14 days by law ( see here ).

Good to know: you should not overestimate your monthly repayment capacity when applying for credit. It is better to opt for an easy-to-amortize online personal loan than to jump on a 12-month credit offer at a promotional rate.

Is the best consumer credit a loan at the best rate? Mon, 11 Nov 2019 06:58:33 +0000 Read More]]> We all tend to think that better consumer credit is synonymous with better rate and this is very true in most cases. This is also why we have based our system on a comparison of the best rates expressed in APR, a standard established by consumer credit law.
We will also see that to benefit from the best consumer credit, you have to be careful with your repayment capacity even if you do not always benefit from the lowest rate.

Defining the best consumer credit

Defining the best consumer credit

If we have to stop at financial analysis, getting the best consumer credit is getting the best APR rate for the same amount and the same duration.
To do this, you simply need to use our credit comparator which very regularly records all offers for all amounts and over all durations of the largest credit organizations. You will get the ranking of the best consumer credit, from the cheapest offer to the most expensive offer.

To optimize the means of obtaining the best consumer credit and circumvent the problem of organizations which display low rates but which only grant them to 5% of the best customers, we have developed a specific questionnaire. In fact, not only will you get the ranking of the best consumer loans based on the taeg rate, but in addition, you will have a non-binding assessment for the organization that offers the best rate. You will thus know if it is not preferable to fall back on the second and third best rate.

We use the APR, the annual effective annual rate, which has been defined by the law on consumer credit as being the reference rate including all costs (including administration fees) and which must be communicated by the credit organizations. .

But to get the best rate, you will seek to decrease the repayment period because the lowest rates are for the shortest durations. However if you reduce the repayment period, your monthly payment will increase. If you take too large a monthly payment, you will find yourself in the red at the end of the month and we will no longer be able to talk about better consumer credit!

Best consumer credit: lowest rate

Best consumer credit: lowest rate

To get the lowest rate, it’s very simple, just one solution, use our credit comparator which gives you the ranking of all the offers from the largest credit organizations.

You will see for yourself, the lowest rates are for the shortest durations. Generally 12 months. But these rates are call rates because if you take credit for 12 months, the monthly payments are going to be astronomical. For example, for a credit of 10,000 USD over 12 months, the monthly payments will be around 900 USD per month !! It is probably the best consumer credit but only for those who can afford it !!!

If you ever want to go check in the bank if they are able to match the best consumer loan (which is unusual, as we explained in our article on banks and consumer credit that you can find it through our search engine in the right column), we advise you to find the best consumer credit on our site first and to complete the online credit questionnaire, it’s not engaging, you will just get the best online consumer credit among the largest credit organizations. You will then receive an offer which you can show to your banker and which can serve as a basis for negotiation. You will see if it can line up or not and you will therefore have every chance on your side to obtain the best consumer credit.

In conclusion, be objective about your repayment capacity so as not to put yourself in the red at the end of the month, you might not get out of it, a credit does not deserve that, even the best consumer credit! If banks and credit organizations advise to have a debt that does not exceed 33%, it is not for nothing.

Best consumer credit and lowest rate: the right compromise

Best consumer credit and lowest rate: the right compromise

In conclusion, be objective about your repayment capacity so as not to put yourself in the red at the end of the month, you might not get out of it, a credit does not deserve that, even the best consumer credit! If banks and credit organizations advise to have a debt that does not exceed 33%, it is not for nothing.

This debt ratio will allow you to determine the maximum monthly payment for which you can borrow. Then, to find the best consumer credit at the lowest rate, it’s very simple:
In our simulator, start by filling in the amount you need and select your type of project. You then choose the duration suited to your maximum monthly payment. The calculation is done automatically, you will find this monthly payment in the table of results. You just have to click on the best consumer credit and do not forget to fill out our questionnaire, it is not engaging and it lets you know if you will be accepted at the best rate.

It is only when you return your signed contract with all the documents that the organization will decide whether or not to pay you the money.

Cautions You Should Take When Making Payroll Loans Tue, 05 Nov 2019 06:47:50 +0000 Read More]]> It is better to be safe than sorry, says our saying so wisely. In every action we take, we need planning and risk assessment. It would be no different when hiring any loan because in doing so you may be successful or fall into a difficult trap to get rid of just because it is a long term loan.

Thus, today’s article will seek to clarify some doubts about hiring this type of service. So here are five precautions you should take when making payroll loans!

Do not hire unknown companies


The first caution seems obvious, but it is still a frequent case. When you are considering making payroll loans you first need to make sure that the company has good repute and credibility in the market. The most suitable institutions for this situation are banks or financial institutions registered with the Central Bank.

Therefore, check this requirement before hiring a loan. In the case of Payroll, there is one more factor for you to pay attention to – the company you work for must have an agreement with the bank or financial institution in order for you to be eligible for this type of credit.

Do not sign anything without reading

Even a central bank-registered financial institution can generate some headaches. This is because each company has its interest rate and its conditions and, as your signature is your commitment, make sure you have all the clauses and all the details of that action. Of course these days, with online and encrypted hiring, the risks are lower. However, they have not been extinguished and attention to what is being hired is still extremely necessary.

Don’t hire more than you need

Financial education is critical when applying for a payroll loan. It should be noted that 30% of your budget may be committed over the next few years to the installments payable on your financing and this may directly affect your routine. However, if the contractor takes responsibility and keeps up with the installments, it will be much easier to take out a new loan if there is another need.

Also, plan all the steps that will be taken with the loan, know where your money is going. This is a great way to get him to surrender and not fall into another debt.

Do simulations and don’t hire the first bank

Sometimes when we are in a difficult situation we make hasty decisions. However, it is these moments that demand the most awareness and clarity in action. This way, never contract with the first bank or financial institution you find. Calm down, look for simulations, most offer this service online, and see which one is right for your pocket.

Check entry and discount values

After hiring the service you must always be aware of your procedures. Always check the money that has been deducted from your revenue and the money that has been deposited in your account. Check that everything is in accordance with the contract and if not, call the creditor financial institution immediately.

Open Source in business Credit Mon, 09 Sep 2019 21:25:52 +0000 Read More]]> The Open Source Business Conference, which will take place on June 18 in Warsaw, is the first such event in Poland. During the event, all aspects of open solutions will be addressed.

What is Open Source in Business?

business loan

Open source conference in business is a free event that addresses the topic of open solutions and their practical application in the enterprise. It is also the first such event in Poland. The idea to organize a conference results from the needs of the market. As the event organizer emphasizes, open source is constantly evolving, and communities are providing more and more innovative ideas – so it’s worth meeting to talk about the potential of open solutions.

Open source in business, which brings together professional specialists and enthusiasts of open software will be held on June 18 at 9:00 at the Coirtyard by Marriott Warsaw Airport Hotel in Warsaw.

Topics of Open Source conferences in business

Topics of Open Source conferences in business

Speakers at the Open source conference in business will focus primarily on the presence of open CRM and ERP systems and the opportunities that businesses give to various types. In addition, the following issues will be addressed during the event:

  • How can open source solutions increase the company’s potential?
  • How much can you save by choosing open solutions?
  • Presentation of CRM class systems.
  • Presentation of ERP class systems.
  • Discussion of the advantages and disadvantages of open licenses.
  • The security of open source systems in practice.
  • Performance of open source systems in enterprise applications.

Open source conference in business is addressed to decision makers (CIO, CTO, CEO), security specialists who want to learn practical protection methods, IT specialists who want to learn more about open solutions, people interested in CRM and ERP, solution enthusiasts open source. The main sponsors of the event were Intalio Open Source Experts and Zimbra. The media patronage over the event was, among others Get Credit.

To participate in the conference, simply register via the form on the event’s website. Participation in the conference is free. The registration fee is only required from representatives of IT companies (manufacturers, distributors, etc.) selling IT solutions in the field of issues discussed at the conference and consulting companies providing services in this field. The fee is 500 PLN + VAT. Conference participants are guaranteed: the opportunity to participate in selected lectures, coffee break, the so-called starter pack, access to post-conference materials and the opportunity to receive confirmation of participation in the conference (raise of delegations / certificates during the meeting or issuing of a certificate of participation after the event).