Urgent Online Loan | All information


Truth be told, it would be great if all of our financial problems were solved without you having to make an urgent online loan, but there are several situations where escaping getting a personal loan gets really complicated, especially when it comes to debt that needs to be paid off. urgently.

When we are talking about unforeseen events, health concerns or even various types of property purchases with slightly higher values, making a personal loan can be a great alternative as long as you calculate very well what you are doing. But still, it is always necessary to know how to identify the right time to apply for a loan, as this will not give you a chance to lose track of your finances.

And besides, it is always good to know how to decide which type of loan is best suited for your current need. Let’s talk a little bit about this before we talk about the urgent online loan, which can get you out of a lot of trouble that would otherwise make your financial life much more complicated.

Evaluate Your Financial Condition Before Applying For An Urgent Online Loan

Evaluate Your Financial Condition Before Applying For An Urgent Online Loan

Before you make any decision, it is good to evaluate your current financial condition and see what you can do to reverse it. Make a dedicated and intense survey of all your debts, check your bank statements one by one and table all your revenues. After that, it is good that you define why you are going to make your urgent online loan.

Maybe you want to clear your name in the square, maybe you want to set up your own business, or maybe organize a trip, buy a car or something. Clearly state the reason for your loan before you decide to do so, as this is a debt you will always have to repay.

After that, you should ask yourself and answer truthfully if you really need this urgent online loan. Is there no other way for you to solve your problem without having to damage your financial health and make another debt?

Make sure there are no other ways you can get the money.

Make sure there are no other ways you can get the money.

Loans are easy ways to get money for your goals, but we at Astro Finance are sincere and we often say that loans should always be taken only when you are sure of what you want and need.

Make sure there are no other exits before you take out a loan. Check your financial reserve and if you don’t have one, it’s time to start thinking about setting it up as it helps you in times of crisis where a loan is needed, cushioning the unforeseen impact.

In addition, you can also use it to achieve some of your goals, just as you use a loan. Another worthwhile option is the sale of goods you do not use and the reprogramming of your budget.

Cutting out all superfluous spending and lowering your standard of living for some time will help you regain your financial health and give you more breath to handle your urgent online loan.

Learn how to manage your money and how to manage your loan. There is no use in you committing to a loan and failing to repay it. A loan is a very serious thing and you should know how to manage it properly.

Research very well about the conditions that are offered by financial and also banks, understand how to compare the CET, Total Effective Cost, of each of the options. It is also important to learn how to simulate how much you will have to pay each month.

Do everything to know how much a loan can compromise your monthly budget, and never forget that when you repay your loan your other expenses will still be there, be they the usual ones like food, light or other debt expenses you still have. It’s paying off.

Because of this it is so important that you learn how to calculate everything and organize your finances. Put it all at the end of your pencil and see what you can cut down on, what expenses you can stop having, and where you can dry some more. Try to reconcile all your spending with the installments of your urgent online loan.

Be careful not to accumulate very high debts

Be careful not to accumulate very high debts

If you are repaying your home, car or even paying off another loan online, be very careful when making another contract.

If you have a lot of debt, it may not be the right time for you to take out a loan, as it can be quite complicated for you to be able to repay all your debts, unless you earn well or make a very chubby financial reserve. in your savings.

What can happen if you do not know how to manage your finances and have a lot of high debts is that the situation turns into a snowball that gets bigger and more complicated to stop. But in any case, if your loan is really unavoidable, you can count on us to help you choose the loan that offers you the lowest rates for your purpose.

It’s no use having a new loan to help you pay off some old debt if in the end the Total Effective Cost of this new loan is too high, costing you much more than your older debt.

One of the best ways for you to deal with this situation is to choose a payroll loan online, which is directly discounted on your payroll as it is very economical and requires little paperwork.

How to deal with an urgent online loan


You need money, and while you are surfing the internet, wondering how to handle your current situation, an ad in the corner of your screen catches your eye: online personal loan! It seems very simple and practical, everything you needed! And true, such a loan is usually a lot more practical as you just have to click and it falls right into your account. But you need to be very careful when doing this.

This type of loan is a bit more expensive, so you have to be aware, as much as it has its disadvantages, it has incredible advantages to help you in the time of tightening.

What is urgent loan?

What is urgent loan?

The urgent loan, in fact, is an exclusive modality where the interested person will be able to apply directly through the internet, being able to choose between banks and financial agencies.

Usually loans of this type can be requested by anyone when made at an agency. But at banks, only account holders can place an order on the bank’s Internet banking service, which can be a bit disadvantageous.

Also, remember that as much as this loan option is practical and easy to grant, it will not always be accepted right away. People who have a dirty name, for example, may find it more difficult to access this type of credit.

Advantages of online lending when the need comes

  1. Practicality

Opting for this type is a shining alternative for those in a hurry and needs an extremely fast solution to the tightening moment. In addition, a personal loan made online has many facilities as you do not have to leave your home or even have to talk to your manager over the phone.

  1. Simplicity

The whole process of online lending is quite simple. You make a simulation, putting the amount you want to get, how you want to receive it and what will be the form of payment, as well as will be the first installment. If you agree to the amounts offered, simply submit your proposal and your loan response will arrive in your email within minutes.

  1. Speed

In banks, only those who already have some form of pre-approved limit can receive the money at the same time as you request it. In an urgent online loan, you will usually receive the money this way, being able to repay your debts quickly, being able to take a breath to clear your finances.

Fast Online Negative Loan

If you are in a difficult situation and have gotten the dirty name in the square, it might be a good idea to apply for a fast online negative loan . But don’t worry, we’ll help you do it safely and conveniently by brokering the situation between the best banks and you.

Fast Online Negative Loans are a fast and efficient way to repay your debt or invest in your dream without worrying about the usual bureaucracy of financial agencies. Who likes to queue and spend hours waiting to be met?

With us, in a few minutes you can get the money you need to pay your debts without any red tape. But for this you must know how to make a loan for negative, understanding how it works and what precautions you should take so as not to get in debt again.

What types of loans for fast online negatives

What types of loans for fast online negatives

A loan is actually a contract where one party gives money to another, which in turn must repay it according to the conditions that are pre-set. You will get money and then have to return it, with or without interest.

There are several types of online loans on the market today, and you should choose the type that best fits your needs. Some of the most used today are personal loans, payroll loans, credit card itself and some types of financing.

Borrow quickly

Borrow quickly

You can borrow online quickly through Astro Finance easily and securely without having to deal with the bureaucracy of other locations. You will do everything online, from the comfort of your home, or wherever you are.

This is one of the main qualities of an online loan, and one of the big reasons why you who are negative can easily get extra money. There is no paperwork and no prior credit analysis. You simply make the request and soon the money will enter your account.

Still, you can simply place your order anywhere you want. No more queuing up to talk to your bank manager, it’s all automated and you can do the simulation before hiring this service.

This is the ideal solution for those who are negative, and you can count on us to help you deal with your finances so you can get your budget back on track. But it is important before applying for the loan to make good planning, after all, you must ensure that you will be able to repay this debt as soon as possible.

Follow our tips on the site and learn how to get around with our help whenever and wherever you need it.

Quick Loan | All information

How to get a fast loan without even leaving your home? Well, we at Astro are going to show you how to do it the best way possible. Nowadays, because of the crisis affecting Brazil, it is quite common to see that the price of general consumer goods such as food and appliances, as well as service goods, are rising madly.

Every day that goes by is enough for inflation to make it harder and harder for the average Brazilian to buy products that until a few years ago were extremely easy to buy. To improve, wages never rise at the same rate as market prices rise, making it much more difficult to try to maintain the basic standard of living.

Unfortunately, unemployment rates are rising very fast, and this situation is affecting more and more homes and families, who find themselves urgently in need of money to pay their debts and emergencies, sometimes even their children’s school supplies.

In such a complicated situation, one of the first ideas that comes to mind is how to get more money quickly and easily without any paperwork. A lot of people will find this impossible, others dangerous, but it’s actually super easy and easy through online loans.

Loans of this type are a safe way to quickly solve your problems, but of course, as long as they are carried out with caution, used with caution at times when financial hardship is mounting.

Many Brazilians get fast loans directly over the internet, without having to deal with any kind of paperwork or delay. If you want to know how to get a fast internet loan, knowing how it works, what precautions you should take and what are the advantages and disadvantages, keep reading us!

What types of fast loans to end your problems

What types of fast loans to end your problems

Loan, in fact, is the generic term used to define transactions where one party grants the other a certain amount, and that second party must repay the money within what is agreed between the parties.

One side gives the money, the other takes it, and then has to pay it back, with or without interest. It’s quite simple, really. However, there are several different types of loans on the market today, and they will vary according to the amount of money, the destination of that money, and the requirements that must be met for the loan to be released. Check out some of the most used loans by the Brazilian public:

  • Payroll loan
  • Personal loan
  • Credit card
  • Home Financing
  • Car financing

Where you can get a fast and secure online loan

Where you can get a fast and secure online loan

To get a secured loan online you will need to go directly to the desired bank or intermediary page, as is the case with Astro Finance. In the vast majority of cases, depending on how much you want to pick up, the process can be done completely online without any effort on your part.

Bank correspondents: Bank correspondent agents are usually legal entities, companies, which are authorized by the Central Bank of Brazil to act as a form of intermediary between customers and banks. They facilitate the entire application process.

Usually this type of agency deposits the loan quickly, with less than 48 hours, being an excellent option for those who really need money as soon as possible. Correspondents also generally accept requests from customers who are negative, which is extremely attractive.

Banks: Banks, in fact, are also financial agencies that are authorized by the Central Bank to provide various types of financial services, such as managing a checking account, making various investments, granting various types of loans, and so on.

Banks generally accept applications only from their clients, and these agencies generally do not accept loans to those who are in a negative situation.

How You Can Make a Loan Directly Online

How You Can Make a Loan Directly Online

Astro knows that having to queue up at banks just to make your request is bad. But nowadays you have the ability to place your order directly from the comfort of your sofa without having to waste your time in bank queues.

All you need to get a loan quickly and efficiently is to have a computer with internet access to be able to apply. The first step, no doubt, is to go directly to the financial website of your choice to make your loan and then follow all the steps it recommends. Or you still have the option to do the whole simulation process through our website: it’s completely free! Usually you will have to follow these steps:

  1. Simulate your loan

Financial agencies and banks usually provide loan simulations so you can know in advance what the amount of installments will have to pay for your loan. Make sure this amount really matches what you can afford and all the needs you have with the loan.

  1. Choose the loan that offers you the best value for money

If you are in a bad financial situation, it is good to act with caution and tranquility. Choose your loan calmly, taking into account not only the speed, but also all the cost-effectiveness it offers you over the long term.

  1. Choose your payment method

After you have done a good analysis of your budget, it is time for you to choose the details, such as the date and amount of installments you intend to repay for the loan. You should also remember how much you earn each month as well as your daily expenses and what you can save to avoid negatively affecting your standard of living.

  1. Send all required documents to agencies

Before being released, your credit application is fully evaluated by the financial agency. This assessment is made completely in accordance with the appropriate fulfillment of the requirements that are required. You must register through the site itself and then submit all required documents.

  1. Wait for your credit review

Once you have submitted all the required documents and signed the contract, it is time to consider the credit analysis. The amount requested, your payment method, and all your documents will be assessed by the institution before your loan is truly approved. This credit analysis may take a few hours, or even an entire week, depending on the form and agency you choose.

  1. Make sure the deposit has been made

Once your order is approved, the money will be deposited to your account quickly and efficiently so you can use it with whatever you need.

What are the main requirements for making a loan completely online?

What are the main requirements for making a loan completely online?

No matter what institution you ultimately chose. There are some requirements that will have to be met in order for you to get your loan. In general, banks are much more demanding than agencies when it comes to requirements, however, because of the risk they run, agencies often charge more in fees and interest.

The general requirements for you to be able to make your loan online are: being over 18; Submit required documentation; Proof of income; Proof of address; Bank account.

How is credit analysis done for online loans

How is credit analysis done for online loans

Making an internet loan is quite easy and fast, however, a basic credit analysis is still done before your loan application is approved or not. The analysis serves as an agency check of the risks involved in lending money for you to use.

If so, they see if you are a good payer and if you will repay the borrowed money. After you make your application, the agency will begin to review all the information you need to be able to check if you will fit the ideal profile and have all the conditions to be able to repay the installments of the loan you are applying for.

It is important to remember that the institution wants a safe business also when it is lending you money. During the evaluation phase, the financial company will verify the following characteristics:

  1. All authenticity of the data you have registered will be verified, such as your ID, your name, your Social Security number and others.
  2. It will be checked if your name is on the records of any of the credit protection agencies such as Serasa and SPC, as well as others.
  3. Your ability to handle payment installments will be verified, and this is done through your proof of income and also the form of payment you have chosen.

It will also be checked if your profile fits in with what is formulated by the financial agency, if it agrees with the information that was provided during your request and also with the information collected by the institution itself.

What are the main advantages of making an online loan?

What are the main advantages of making an online loan?

The first advantage, no doubt, is the convenience of ordering. Forget any queue or hassle of moving to the bank’s physical branch. Everything is done online, and you don’t have to want to get off your couch to do that.

The second major advantage is speed. Generally, a loan applied for in person at the bank may take a long time to be released to you. An online loan sometimes takes less than a few hours to fall into your account and you can make use of the requested money right away.

The third advantage is that you will be able to compare different types of loans, in many agencies and banks, all without having to leave home. This advantage is ideal for those who like to get the best deal and don’t have the patience to research thoroughly.

The fourth condition is custom payments. That’s right. Online loans generally offer better deals than those offered in the traditional way, demonstrating personalized payment methods to convince their customers.

And finally, the last quality is practicality. An online loan is one of the best alternatives for those who need urgent cash and have no idea where to get it. Money comes in fast, forms of payment are made easy and you don’t have to be banging your head.

What are the disadvantages of getting a fast and secure online loan?

What are the disadvantages of getting a fast and secure online loan?

Well, the first downside, no doubt, is the slightly higher interest rates. Sometimes they are a little scary, but it is worth remembering that the agency is putting itself at risk to grant this type of fast, secure and easy online loan.

The second disadvantage is that if you plan badly, you will end up with simply huge debt, nowhere to go, and not knowing how to handle the amount that grows month after month. Such a loan requires dedicated and well thought out planning.

Care You Should Take When Lending Over The Internet

Care You Should Take When Lending Over The Internet

Unfortunately, just as happens personally, there are people who want to take advantage of others at all costs through criminal practices. If you are inexperienced or impulsive, think twice or three times before you put in a loan, because if you do not take the necessary care, you may fall into a scam.

This can be completely avoided if you take proper precautions before making your online loan agreement. Here are some things you should do when looking for a loan on the internet:

  1. Beware of very advantageous offers.
  2. Do not make deposits before the loan falls into your account.
  3. Check with the Central Bank if the company is trustworthy
  4. Find out about the company situation with other consumers
  5. Take a careful look at your current budget
  6. Document everything agreed with the agency

A fast loan can help you a lot, but it’s important to keep an eye out for the pitfalls of the market! Count on Astro Finance to broker your loan application and find the best option for you!

Would you like a loan?

If you go to the market outside the banking system, Financialor is a financial credit establishment that offers personal loans as well as in the form of mortgages in an efficient, simple and reliable way.

Founded in 1968, it has more than 23 branches throughout Spain and can offer a quality service in the signature and credit management. Its objective has always been the same, to provide financial services that serve to cover the needs of the clients as effectively as possible.

Hence, it offers both personal loans without collateral and on collateral. For all this below we will explain what Financialor SA is the characteristics and conditions of its credits, requirements and much more. If you have in mind to request financing in this company before you should read the article.

What is Financialor

What is Financialor


It is an EFC that has been operating for more than 40 years, having had more than 60,000 customers throughout its history. It is not a bank but it does not offer the so-called private capital loans being an intermediate option.

What does this mean? Well, it admits financial situations that banks and banks would reject as a general rule although when they do, the conditions are worse than the banking ones.

In fact, in spite of not being private capital, the conditions with which it lends are practically the same to private finance companies. This is not bad, everything is said as it is usual.

Accepting financial credit institutions, borrowing or even small income is only viable in this type of lender entities. Although they are not financial establishments as we have pointed out, it is similar to private capital.

Advantages of applying for a loan at Financialor

Advantages of applying for a loan at Financialor


Then we will show you some of the benefits obtained by the clients of the entity in the signing of fast loans.

  • It is a quick loan because in a period between 48 and 72 hours you can have an answer about the viability of the operation.
  • Personal deal with the client either by phone, online or even in the office.
  • The credits they make are personalized, that is, they adapt the loan to what you need.
  • Maximum confidentiality throughout the process.

Approximately 80% of the people who go to Financialor do so because they have been rejected at their bank. The good thing about the company is that factors that banks reject here are not valued in the same way. It is the closest thing to private loans but without really being these, because the borrower is not an investor as such but a financial establishment of credit. Although their similarities have their differences.

Types of credits

Types of credits


As a company dedicated to the granting of several loans are the loans that offer being the following.

Personal loans

You can request a personal credit of up to 6000 euros without the need to provide guarantees. The process usually lasts an average of about 48 hours, with many existing requirements. Many times it is not enough that only sign the one who asks for the money, being necessary the contribution of guarantors. Mention also that if you have less than € 1500 per month unless you sign another guarantor with income is difficult to get approved. The good thing about this financing is that the interest rates are on the average being cheaper than the online loans seen on the internet.

Mortgage loans

Through these mortgages you can get fast money by providing a property as collateral. However, it is necessary that the property that contributions be free of charges and have sufficient value. Also note that having a property without charges does not guarantee you obtain the credit.

It is important to demonstrate the ability to return, especially because you have demonstrable income or you plan to sell a property, an inheritance… The processing can last an average of 2 weeks quietly. Approximately three times as slow as in loans without endorsement. In practice, only properties in cities or towns with more than 10,000 inhabitants are accepted. So if your property is in a town with fewer inhabitants or in an area of ​​little interest to the financial would not be valid.

How to ask for credit

How to ask for credit


If you want to apply for any of the loans Financialor you can make the request in several ways, being what we are going to show next.

  • Online application:

From the web of the financial (here) you can also request the credit being the only thing necessary to fill out a small contact form.

  • Calling by phone:

To request a loan by calling one of the available telephone numbers according to the branch is also possible. For example, if you are in the city of Madrid, you will call the Branch Office in Madrid.

Branches and Finance Offices

You can do the process physically going to any of the offices of the entity in Spain. As we have indicated, it has 23 offices located in different autonomous communities, which can be processed in person. Here you have both the address, customer service hours, telephone numbers and emails of each of them. First we show the name of the office followed by the address, zip code and then put your phone number, fax and mail.

Requirements to apply for the credit

Requirements to apply for the credit


By offering a personal loan and also a mortgage loan the requirements of each option will be different.

In personal loans the requirements are usually the following :

  • Not be in arrears records.
  • Have regular, regular and stable income.
  • Have seniority in income.
  • That the income exceeds € 1500 if possible.
  • Have a good credit history.

That is, more or less ask for the same as any traditional financial.

If you ask for a mortgage, the requirements will be as follows :

  • Have a property free of charge or practically free (If you have any debt you will have to be canceled with the financing)
  • It is necessary to justify demonstrable income of some kind.
  • You have to demonstrate the ability to return.

As for the financial credit institutions, the Financialor personal loan can be denied because it is included in a file, but not the mortgage loan.

Loan repayment

Loan repayment


Return the credit in the entity is done through the reimbursement of monthly installments. The credits offered here, however, can also be adapted to expiration in case the client so requires. But nevertheless it is that the clients make the return by means of the payment of comfortable monthly installments through which they amortize and pay interest.

Therefore, you must comply with the established payment commitments if you do not want the debt to end unpaid. Also say that if you have a problem with the payment you can always contact the customer service department to find a solution.

Advance payments

Financialor allows the early repayment of the loan although for this reason it usually applies a commission for compensation that is usually between 0.5% and 0.25% after about 6 months since the signing.

Therefore if you can it is better to amortize before date.


Briefly we can say that if arrival the payment date can not deal with the credit is important to contact the entity.

The non-payment of one of your loans brings a series of negative consequences showing some of them immediately:

  • Inclusion in patrimonial solvency lists.
  • Claim of the debt by judicial means.
  • Loss of the guarantee provided as guarantee.

For this reason our recommendation is that you only sign those credits that you know you can afford, unfortunately this is not always the case. If you have any suspicion that you will not be able to make the return in a timely manner, it is best not to sign it. It is useless to solve a problem in the short term to generate another in the medium term almost certainly.

3 signs that you can set up a business – we assume a company

The company – for many people a sign of total financial independence. A dream that they set as one of many goals to achieve. How is it really? This unfortunately happens differently. Statistics can be inexorable. According to them, eight out of ten companies in the first year of falling down with a great bang. How do you know that the idea for a company will prove to be a success ticket?

We set up a company – Three basic principles

We set up a company - Three basic principles

1. You have examined the market

There is a myth in the business world that the more innovative the business idea, the better. Here, unfortunately, many, even the most passionate entrepreneurs, very quickly had to come to terms with failure. Big companies with very large capital, do not release services or products to the market, before they spot whether customers will be interested in their offer. Why then would such a step be successful for young and inexperienced entrepreneurs? Of course, some of them have a lot of luck. But if you put everything on one card, are you ready to take such a risk? Check whether your product or service is sure to find interest. Reach out to your potential customers, by the way precisely defining which persons will be included in the target group. In this way you have a really good chance of success in your business.

2. You saved the savings

Throwing a warm job day by day is rather the domain of people who appreciate elevated levels of adrenaline. However, if instead of many sleepless nights, you prefer a feeling of peace that your company will definitely succeed. And for sure that you will give yourself the right amount of time to slow down the business, it’s worth postponing the right amount of savings.
Some specialists are alarming that the more uncertain your business is, the more money you should have to put aside for a rainy day – an average of 6-12 months of peaceful living without any income.

3. A good plan is essential

Do not think that business is a way to lay a piece on a tropical beach and wait for the money to fall from the sky. It is not so. It is also not that you can get up and say that you do not want to work, because you are the boss yourself. I mean you can do it, nobody can stop you. However, answer yourself if your approach is successful in this approach? The company must be kept on the head. You need to have a specific plan for it, and enter the steps with appropriate consistency. If you count on the fact that you will develop your company within 24 hours and later you will not be doing anything, then you are rather wrong. Unless at that time you can really create something brilliant on a global scale. It is worth to go down to the ground and look at your business in more real colors.

Pay-off loan

A variant of the construction financing is the deduction loan. In this case, the customer pays the bank an unchanged repayment installment and the interest due every month. The fact that the residual debt is reduced by the repayment installment also reduces interest payments. Also, the monthly pay installments are getting smaller and smaller. Those who use a repayment loan pay high installments at the beginning of their term , but can be certain that the monthly burden will continue to fall. Example: With a loan of 20,000 and a term of 5 years, an interest rate of 10 percent is agreed. The customer now has to pay a repayment installment of 4,000 and 2,000 euros interest in the first year. In the fifth year, however, in addition to the repayment of 4,000 euros only 400 euros interest due. Thus, the customer has a lower burden of about 1,600 euros last year.

In most cases, comparisons to the annuity loan for the repayment loans are agreed to shorter terms.

In most cases, comparisons to the annuity loan for the repayment loans are agreed to shorter terms.

Although repayment loans are offered for mortgage lending, this means for property conversions and additions, but rarely for real estate financing. Often, banks also offer these as consumer loans. Whether a repayment loan is cheaper than an annuity loan can usually be determined only by a credit calculation. For example, with a fixed maturity and an identical interest rate, a repayment loan may be cheaper than the annuity loan. With a loan amount of 12,000 euros, a term of 6 years and 8 percent interest savings around 214.71 euros. If a higher loan amount is taken, the difference between the two loans will be higher, so that a repayment loan often remains the cheaper loan. However, it must be assumed that the bank does not offer the same terms for both loans. In general, the fees for the installment loan are much higher than for the annuity loan, so the interest rates are higher. However, the choice of the loan does not only depend on the loan amount, because personal circumstances and financial conditions also play an important role. Not everyone is able to afford a high repayment installment plus interest at the beginning of the contract term, which effectively forces them to resort to the annuity loan. Especially when it comes to mortgage lending, every builder wants to be liquid in order to be able to pay off even unforeseen costs. Find out more at bankenonline.org.

Call-off Loan – Alternative to the Dispo?

Most people experience in their lives that they spend more than they own. In such cases, loans are available . So far, especially the disposition loan was suitable for smaller sums. Cheaper than this, however, is a so-called call-off loan. This will be presented below and its terms explained.

The advantages of the release loan over a disposition loan

The advantages of the release loan over a disposition loan

If bank customers need money at short notice, then they have often accessed their discretionary loan. This is characterized by the possibility of overdrawing a current account, which is previously determined by contract. It depends on the income and the balance on the account. This tolerated overdraft on the one hand practical, on the other hand, it is also associated with high costs. Because the account holder usually pays for the overdraft interest rates, which are in the double-digit range. Especially with small amounts, an overdraft for the owner is therefore annoying. For the account holder, therefore, a call-off loan is worthwhile instead of the disposition loan. The call loan is offered by more and more banks. Above all, the call-off loan is characterized by the fact that it requires no bureaucracy. The repayment is flexible. This gives the account holder maximum freedom in the repayment of the amount. The interest rates for the call loan are often only half as high as those for the discretionary loan. This makes it worthwhile for the account holder to use it for smaller contributions.

Maximum flexibility in call-off loan

To be able to use a call-off loan, the customer initially turns to the bank of his trust. This then grants him a loan line within which he can access the desired amount. He can sometimes be smaller or larger, but should move within the line of loan. The call loan alone earns the required amount. Thus, there is no risk that the account holder will borrow too much, whose eradication could cause him difficulties. In addition, the closing fee of the call-off loan only relates to the amount actually required.
What makes the call-off loan attractive to account holders in addition to the low interest rate is the flexibility of the repayment. In contrast to traditional loans, where installment payments are usually made at precisely defined intervals, which are urgently required, the account holder can determine the amount of the repayment himself. Only a very small percentage of 1-2% of the loan amount must be paid off at least once a month. However, it is not a problem to initiate immediate repayment if the account holder is currently liquid. In this way, the call loan offers a flexibility that is otherwise not found with loans. This is also confirmed by numerous tests, the results of which can be found on the internet.

What rate for a loan consolidation today?

The purchase of loan (or pool of loans) allows you to simplify the management of your budget by operating a pool of loans . You get a single loan that is easier to repay.

Consolidation of loan (or pool of loans): a fixed and single rate

The rate obtained for the consolidation of loan (or regrouping of loans) is fixed and unique. You combine loans with disparate rates into one loan. So you get a single loan with a single rate and a single monthly payment . The purchase of loan makes the management of your budget easier and without surprises.

The consolidation of loan (or regrouping of loans) allows you in certain cases to obtain a lower rate . You can get a better rate for old mortgages contracted when the rates were higher. You can include auto loans, consumer loans or revolving loans, which generally have higher rates.

How to get the best loan consolidation rate (or pool of loans)?

The rate of loan consolidation (or pooling of loans) depends on your goals. You have two strategies:

  • Reduce your monthly payments to reduce your debt ratio and gain flexibility in your budget. With this option, the total cost of loan and the repayment term will be greater.
  • Limit the duration of borrowing to repay your loans faster with high monthly payments. With this option, the total cost of loan is controlled.

The loan surrender rate (or pooling of loans) will depend on the chosen option . The decrease in the amount of the monthly payments leads to the lengthening of the repayment period and increases the total cost of the loan. The reduction in the rate depends on the remaining term of the loans bought back.

Make a loan consolidation simulation

Make a loan consolidation simulation

Beyond the gross number, the best loan consolidation rate (or pool of loans) is the one that will allow you to assume your loans with confidence , with monthly payments tailored to your monthly budget and a reasonable overall cost.

Conduct a free and uncommitted loan consolidation (or pooling) study via our online simulator. Our advisors will then offer you a loan with a rate and monthly payments adapted to your projects.