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Month: February 2020

Take out a loan – where to?

Take out a loan – where to?

 

Today, a large part of lending is via the Internet. Many customers prefer anonymity. It is important to assess your own financial situation, because lending should not lead to over-indebtedness. If you think you want to apply for a loan, we will show you the way through our website in this article.

Loan calculator online

Loan calculator online

In loan calculator online , you can first enter the amount and the desired rates. The loan calculator on our website shows two different interest rates: 4.5% and 9.9%. 10% is the maximum interest rate that is set by law in the country.

The calculated prices are informative. After processing by the financial institution, the definitive loan interest is set. The informative prices on our credit portal help you to show the possible costs.

Honestly complete the credit request

Honestly complete the credit request

All necessary information is listed in the credit request. These are important in order to assess your financial situation and to be able to make further inquiries. We advise you to answer the points honestly. Incorrect information can have a negative impact on the credit decision.

We also advise against making unnecessary loan requests. The more inquiries are open, the less chances of getting a good loan offer. Wait and in case of urgency contact us. Our  team is happy to answer any questions.

Instant loans are processed in 24 hours and paid out in just 14 days

Instant loans are processed in 24 hours and paid out in just 14 days

Our team processes credit requests online in 24 working hours. During this time you will be contacted via email or phone. At the end of our credit inquiry you have the option to upload documents. This helps us to process your case quickly. In some cases, the bank decides on lending within 48 hours. This if the complete documentation is available from the start.

The legal waiting period for the payment of personal loans is 14 days. Then the money is paid directly to your bank or postal account.

Benefit from our experience for the best credit solutions

Benefit from our experience for the best credit solutions

We have been working as experts in the private loan sector for over 30 years. The way you borrow has changed a lot in recent years. The development of the Internet plays a major role in this. Of course there are disadvantages but also advantages.

It is important to know that lending must not lead to over-indebtedness. This is anchored in the law and we take it seriously as a credit broker. In this sense, we advise you responsibly and try to offer the best solutions to your needs.

How does a credit card work and what does it cost?

How does a credit card work and what does it cost?

The term credit card is used for different types of cards. With a “real” credit card, the cardholder is granted a credit limit. This can be a maximum available limit, such as 2,500 dollars . Alternatively, the monthly budget can be, for example, 1,000 dollars . The level of availability depends on the respective conditions of the card and the provider.

Depending on the provider, the amount used with the card can be paid once a month or paid in installments. How a credit card works therefore always depends on the card conditions. In addition, there are the so-called prepaid credit cards, which are managed on a credit basis.

 

How does a credit card work?

credit card work?

Because there are so many different types of cards and terms, it is important to ask yourself before you look for a credit card how it works and for what purpose you need the credit card. For example, if you only want a card that works on a credit basis, you do not need a credit card with a credit limit. If, on the other hand, you want to use the card to have money available when your account is empty, you should look for a credit card with an actual credit line. Which card is used at the end depends on what you intend to do with the credit card. The advantage of a prepaid credit card is that, depending on the provider, you can apply for and use these cards without credit record . This means that there is no framework available, but can still be used if you want to finance your trip.

 

Why do I need a credit card and what are the advantages?

Why do I need a credit card and what are the advantages?

The functions of a credit card are also shown in what the respective card is needed for. If you use it to pay for goods or games ordered on the Internet, a prepaid credit card is often sufficient. This can be charged up to the amount to be spent. So the cardholder also keeps an overview of his expenses. If, on the other hand, you want to spend more money or don’t want to constantly top up your card, you should opt for a credit card with a credit limit.

A credit card is always practical, which is also reflected in the various functions of such a card. You can pay faster at the supermarket checkout if you have a credit card. You don’t have to go through the hassle of searching for cash in your wallet to be able to pay. If you have a credit card that can make contactless payments, it’s even faster. Then the credit card no longer has to be inserted into the reader, but only held at the terminal in front of the reader. Payment simply doesn’t go faster.

Your advantages of a credit card:

  • Withdraw cash abroad: Depending on the credit card, withdrawing cash in the respective local currency is often free of charge.
  • More security through payments on the Internet: If your credit card is misused, these payments are insured.
  • Credit cards often have bonus programs: by using your credit card frequently, you can secure attractive rewards!

When you are on vacation, you quickly realize how important a credit card can be. Depending on the country, long-distance travel can no longer make hotel and car rental bookings without presenting a credit card. This is the case, for example, in the USA. You won’t really get anywhere with cash. Even as a traveler, everyday life there can almost only be managed with a credit card.

 

How much does a credit card cost?

How much does a credit card cost?

There are both paid and toll-free credit cards. Here it is important to define the requirements for the credit card. For what purpose should the credit card be purchased? As a rule, free credit cards are suitable for most consumers. You should consider key factors when choosing a credit card:

  • Annual credit card fee
  • Foreign assignment fees
  • Cash withdrawal fees
  • loan fees

In the case of credit cards without an annual fee, the interest on the loan is usually very high, so that a toll-free credit card is not always the cheapest credit card. It depends very much on what you want to do with the credit card. Compare the offers so that you don’t end up paying more than you want

Online credit without credit rating

Online credit without credit rating

Uncomplicated, fast and serious processing of your free inquiry for a loan without credit rating .

Reasons for wanting a loan without credit rating

Reasons for wanting a loan without credit rating

You urgently need a loan, but your bank refuses? The reasons for this can be very diverse. A negative entry (bankruptcy, enforcement notice, etc.) with the protection association for general credit protection does not always have to be present.

Nowadays, the so-called “ score ”, ie credit rating’s assessment of your creditworthiness, also plays a decisive role when it comes to obtaining a loan. This procedure can ensure that you have a bad credit rating, even though you have always paid all installments on time and have never been noticed negatively.

Because it applies: every new loan, every financed purchase in installments from mail order companies, every cell phone contract and every application for a credit card ensure that your personal score changes. With a low score, most banks are no longer willing to grant you additional credit, even if you have a regular income and may only need the money to bridge a bottleneck. So a credit rating-free loan can also be useful in some cases when it comes to not burdening your own score any further.

Who can get a loan without credit rating ?

Who can get a loan without credit rating ?

Such a loan is completely independent of your current job. Regardless of whether you are an employee (including civil servants), a pensioner or an independent entrepreneur – our partners will process your loan request in the shortest possible time and will be happy to provide you with a cheap loan offer. You are a pupil or student? Here too, the partner company will be happy to check the general conditions and in many cases provide you with the loan of your choice.

What can such a loan be used for without credit rating?

What can such a loan be used for without credit rating?

There are no limits to your individual wishes. No matter whether car loan, holiday loan, wedding loan, debt rescheduling, instant loan for urgent purchases of all kinds or financing for business start-ups . You decide freely on the purpose.

This is how easy the online credit approval can work:

You fill out the provided credit inquiry form online, free of charge and without any obligation. The “credit-private” offer was created especially for credit ratingneutral loans. Your application will be examined within a very short period of time and you will then receive a tailored, affordable loan offer.

If all the requirements are met and you agree to the partner’s offer for a loan without credit rating, the loan amount will be paid out immediately. There is no entry at credit rating.