Credit card without credit record – Find the best credit card!

A credit card without credit record offers everyone the convenience of plastic money, regardless of age or credit rating. The credit card on a credit basis is open to everyone. In order to provide you with optimal information, we have developed a credit card without a credit record comparison for a good overview with our financial editors and experienced experts. If you would also like to read more about the topic or are interested in specific aspects, you can find a comprehensive guide under the comparison. Find the best credit card without credit record for you now and apply for it directly online!

 

The credit card without credit record at a glance

The credit card without credit record at a glance

  • Works as a pure prepaid card.
  • Can also be used by consumers with poor credit ratings.
  • Suitable for minors
  • Fills all the functions of a classic credit card after being charged.

A credit card without credit record works like a prepaid card for a cell phone. First a credit is posted on it, then it can be used. Since no credit is drawn on, this card can be used not only by consumers with poor credit ratings, but also by minors. More and more young people go on vacation without parents. A credit card is the safer alternative to cash.

 

Is there the best free credit card without credit record?

credit card without credit record?

This question must be answered in the negative with regard to physically existing credit cards. Only virtual credit cards without credit record are available free of charge. The price range is wide, however, the credit card without credit record check shows the cheapest providers. Credit card issuers are financed in part from the interest incurred when the open balance is paid in installments. Since these are not required for a prepaid card, they charge an annual fee.

There is one exception, however. Some credit cards without credit record waive the annual fee for young cardholders. Depending on the provider, this is only calculated from the age of 18 or 21.

 

The two most important criteria for a credit card without credit record

credit card

  • Low annual fee
  • High number of free cash withdrawals at ATMs

 

Apply for the best credit card without credit record – how it works

Apply for the best credit card without credit record - how it works

If you want to apply for a credit card without a credit check, you should first get an overview of our credit card without a credit record comparison. The order can then be placed on the provider’s homepage. The data is recorded directly on the screen. The delivery is very quick, since the credit record request and the credit check are omitted.

 

The credit card without credit record check

The credit card without credit record check

The most important decision criterion for a credit card without credit record is without a doubt the price. The lower this is, the better the card is. The available credit credit cards hardly differ in terms of services. However, it is important to take a look at the fees that are incurred for cash disposals. Not all cards offer the option of withdrawing money from an ATM in the eurozone at no additional cost.

 

Conclusion

Anyone can apply for a credit card despite credit record. The cards offer optimal protection against misuse, since misuse is only possible up to the amount of the credit. With regard to the annual fee, however, a comparison is necessary because there is a considerable range here.

P2P Credit Comparison: Find & Apply for the Best P2P Credit

A P2P loan helps to create quick and efficient liquidity. The application for a P2P loan is usually free of charge and without obligation.

In order to be able to provide you with the best possible information on this topic, we have drawn up a P2P credit comparison with our finance team and experienced experts and presented it clearly.

If you are also interested in further information, we recommend our detailed guide, which you can find under the comparison.

 

What is a P2P loan?

What is a P2P loan?

Up until a few years ago, it was hard to imagine taking out a loan outside of the traditional banking world. As a rule, consumers went to their house bank and asked for financial support in the form of a loan. The very brave may have also called on the competition to restore proper liquidity. Until then, however, there were no extensive loan comparisons and offers that also work outside of traditional banking houses.

Nowadays, everything looks a little different. Not only that loans are offered on every corner. They also no longer come from traditional providers. Rather, it has become a trend to take out personal loans. In other words, loans in which the money is made available by private investors for private individuals or even the self-employed and freelancers as well as pensioners. Such loans are called P2P loans and are brokered on corresponding platforms on the Internet.

 

The benefits of a P2P loan for the borrower

The benefits of a P2P loan for the borrower

P2P loans offer various advantages that borrowers and lenders can benefit from. Borrowers have the following advantages:

  • Credit even with an unfavorable credit rating
  • lower interest costs
  • transparent procedures
  • quick provision of money
  • uncomplicated borrowing via appropriate platforms
  • Credit request free of charge
  • no hidden costs

 

The benefits of a P2P loan for the lender

The benefits of a P2P loan for the lender

The lenders who come from the private sector also have various advantages when they invest their money in P2P loans. These would include:

  • high returns
  • comprehensive support and advice
  • the money works and is not just lying around in the account
  • high transparency within the investment

 

Is there a free P2P loan?

P2P loan?

You can always apply for a P2P loan free of charge. Costs only arise when the loan agreement has been signed and the money is paid out. Then, as with any other loan, you also have to expect interest and fees. You can see in advance how high these are from our comparison, which we would like to recommend for the selection of the suitable loan offer.

 

Possible uses for a P2P loan

A P2P loan is usually taken up quite quickly. Therefore, there is a legitimate question of what the money from the loan can be used for. The fact is that not all loan projects are funded. Because even with P2P loans, certain guarantees must be met, the borrower must be able to repay the loan in full and the money from the loan must flow into meaningful projects. A moderate credit rating should therefore be given.

Generally, projects are supported in which investments are made in the future. For example moving house, buying a car, rescheduling debt and many other everyday activities. On the other hand, all projects are rejected that have no basis, the reason for which is not clear, and which should also be implemented with a poor credit rating.

 

The 3 most important criteria for the best P2P loan

The 3 most important criteria for the best P2P loan

Finding the right credit marketplace and thus P2P credit in the test may not be easy. We have therefore put together the 5 most important criteria for the selection.

1. Type of loans

Always take a look around in a credit marketplace to see what types of credit are offered there. For example, some providers specialize in personal loans, while others also offer corporate loans. Take a close look and check whether you can also find the loan you need on the selected platform.

2. Protection

Another important criterion is the protection of the loans. Secured and unsecured loans are offered. It is secured when the brokered loan is secured with a real asset – ie a pledge. He is unsecured if this does not apply. We recommend that you use secured loans in your own interest. This lowers the effective interest rate because the lenders can rule out an increased risk of default.

3. Financing platform or intermediary?

There are two different marketplaces that are suitable for applying for a P2P loan. On the one hand there are the marketplaces where loan projects are put online and the investors are financed directly. However, there are also marketplaces operated by an intermediary who acts as a middleman and brings borrowers and lenders together.

If a marketplace is used that belongs to an intermediary, the intermediary receives a commission from the borrower after the loan agreement has been concluded. This is already included in the loan agreement. Although this means a higher financial outlay, it also has the advantage that the entire loan project is secured. The lender cannot simply withdraw from the contract and must also provide the amount of money that he has promised.

 

This is how taking out a P2P loan works

This is how taking out a P2P loan works

In order to take out a P2P loan, you need to register with a provider or platform. You must therefore have an internet-enabled computer to apply for the loan. Registration with one of the providers is free and non-binding. The same applies to the preparation of the loan offer, the determination of the creditworthiness and the sending of all documents.

First, you should start a comparison to analyze different loan offers. We recommend our comparison, which has already been created, or the comparison calculator, which you can use as you wish.

If you have found a suitable provider in the test, then you should register with it and fill out the credit form. It is important to provide very precise information in order to keep the chance of a loan as high as possible. Add all the necessary documents and then wait for the agent to contact you.

He will then submit a loan proposal to you, which you can accept or reject. Take a close look at the offer and do not only pay attention to the effective interest rate. All conditions count in order to receive an objective opinion about an offer. Therefore, pay attention to flexible repayment options and special conditions that the lender may attach to the lending.

If you can make friends with the offer found, then take it. Sign the loan agreement and wait for the money to be paid out. Use it wisely and remember to pay your installments on time every month to avoid trouble.

 

Our conclusion on applying for the best P2P loan

Our conclusion on applying for the best P2P loan

A P2P loan is a good alternative to conventional loan offers. Among other things, it can be worth considering if an unfavorable credit rating makes it difficult to borrow in the traditional way.

The special thing about a P2P loan is the fact that borrowers and lenders benefit from the loan and thus create a win-win situation that is commendable.

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Credit for unemployed Belgium: credit revolving unemployed.

Credit for unemployed in Belgium

Using a loan is becoming more common for individuals. If banking institutions tend to prefer people with jobs, the unemployed can also claim a loan in Belgium. In contrast to traditional personal loans, your record for an unemployed personal loan has to be picky.

Also, every detail will have to be taken into account to convince the agent in charge to take stock of your unemployed loan application. Expert advice from a broker can help balance the balance in your favor. Your request will reflect a blackberry.

Why is it difficult?

Why is it difficult?

For an unemployed person, the loan for the unemployed remains a credible solution to get out of it. However, the loan is a financial commitment and banking institutions are often reluctant to trust the unemployed. However, there are many ways to obtain an unemployed loan in Belgium. For any borrower who has 10% of the amount requested, the chances of accessing an unemployed loan from Belgian banking institutions are increased.

But if this is not the case, it is always possible to seek advice from these lenders who will impose certain conditions before granting you the credit unemployed through obtaining a personal credit. This is useful because there is a Belgian law that unemployed people who fail to pay the deadlines.

The social loan has been put in place to help people with a minimum income in their unstable financial situation. For example, if you need to furnish your emergency home, you can call the Public Center for Social Action (CPAS). You will pay a minimal interest rate (currently 2%) on a loan of up to 5 years and you receive assistance with the application process.

This is how the bank can grant you a loan by being unemployed if you have a person who is a guarantor and has no history of “bad” credit. It is recommended that this guarantor has sufficient income for his personal expenses but also to take over the credit responsibilities of the person taking the loan if it proves necessary.

Unemployed loan tips

Unemployed loan tips

For receipts, they are the same as a conventional loan. the majority of information on his / her identity, an unemployment certificate, proof of residence, any statements of energy billing documents for the last three months and account statements must be provided. The list is not complete and some banks will probably require other parts needed to use your application.

Unemployment is a difficult situation to manage, not only financially but also morally. Whatever the reason, we will have to find a way to overcome it effectively. When overindebtedness is waiting for you, because you are unable to repay current loans and debts, you must find an answer to deal with this problem of insolvency.

One of the recommended solutions for the unemployed is mortgage refinancing. Although it is intended especially for people with comfortable incomes, the unemployed can achieve this under certain conditions.

Consolidation of credits is a financial transaction that allows all loans from a borrower to be combined into a single loan, renegotiated credit rates and reduced the monthly charge. This solution allows you to have a longer repayment term close to the lenders, that is to say that the total cost of the loan will increase, but it allows you to repay less every month.

Doing a credit consolidation means renegotiating a loan with a credit organization, which leads to new fees (for example, records). A decision not to be taken lightly.

Second option for a person who does not have the possibility to subscribe an unemployed credit, that to make play its real guarantee. This heritage property must be a property whose amount is generally equivalent to that of the requested credit.

This solution gives the bank the opportunity to seize the property and put it on auction if the client can no longer meet its deadlines. A method in this case effective in case of credit affected. We have seen some ways to borrow for a person without a job, however, there are others.

Being in a situation of having to take a credit free of all pay stubs may not appear obvious. It is really difficult to take advantage of a favorable solution for granting credit in traditional banking institutions. However, there are solutions to get funding. Not having a payslip does not mean not being denied credit.

Conclusion

Conclusion

Here’s another tip to finish: If you absolutely have to borrow money while you are out of work, negotiate with your lender. If your negotiations fail, contact a broker or, failing that, a social worker. Give him the proof that the school did not accept your request.

Communicate also the file which defines your situation of unemployed person. Your employee will take the steps for you. He will be able to do what.

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Payday loan in an amount of 7,500

 

Increased limit of loans for regular customers up to 7,500 is another of the novelties introduced .

This time, surprised everyone by introducing the possibility of borrowing up to 7,500 for regular borrowers with subsequent loans.

A loan up to 7,500 on subsequent loans – I will just remind you that until now, the limit of loans for regular customers amounted to 5,000. The company apparently recognized that the demand of the company’s regular customers is larger and decided to increase the current limit to 7,500. Unfortunately, I do not have accurate information on which loan is offered in a row, because the website has only general information that amounts above 3,000 are available on the second loan.

If you have not yet had the opportunity to borrow , I will remind you that this is one of the best offers of payday loans available on the market, which I quite often inform in the published by me rankings rankings . The requirements for a potential borrower are not particularly high, it is enough that we are over 20 years old, we do not have the status of a indebted person and we have an active bank account and a mobile phone. If you are interested in the opinion about , I am sending you to an article which I published in my blog. Since its publication, there have been a number of interesting internauts’ opinions on loans and general information about the company’s operations.

Just for a few days, the first loan is up to 3000 for up to two months – I will remind you that only for the next days will be a promotion under which the first free loan can be borrowed for 2 months, without incurring any additional costs. This promotion will be valid only until 30 April 2017. Of course, only new customers who have never had the opportunity to use the services of the company can use it.

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Cheap Online Bank Loans

 

 

Sometimes, a loan can be a way out, providing a quick remedy. This is especially the case whenever a person unexpectedly needs higher sums of money and can not raise them on his own.

Loan calculator- Current online loan offers

Compulsory bank loan is still the most popular choice . It can be obtained from many different institutes and offers people a certainty in the way they are designed, which is why they are often used. 

But what requirements does the customer have to meet for such a loan and where can cheap offers of this kind be found? At this point, the most helpful information has been compiled. These are to serve in the end to make the right decision for a loan provider.

When can a bank loan be helpful?

Of course, the first question is when a bank loan can be helpful. At the same time, the customer must know that sums are usually only awarded starting at a level of 5,000 euros. However, there are also banks that lend money from 2,000 euros, which then represents the absolute lower limit.

Therefore, such loans are always appropriate when sums of the appropriate amount are needed. This can for example be the case for larger purchases, but also for much-needed and expensive repairs to the house or various other facilities.

The reasons why money is urgently needed can be manifold. Therefore, these can not all enumerate here. Nevertheless, the borrower should also ask himself the question of whether he can afford a corresponding bank loan. If the financial distress is high and there is no end to the situation in the long term, then a calculation is required. In this it must be absolutely determined whether the monthly installments can always be repaid, if one does not want to get into arrears with the loan amount. If in doubt, then rather a different solution should be found instead of accumulating more debts.

The terms of an online bank loan

The terms of an online bank loan

The conditions for a bank loan depend heavily on the amount requested. As a rule, however, a permanent employment relationship must exist so that the loan can be granted at all. In addition, a monthly salary receipt should be able to be demonstrated, because an irregular income – such as self-employment – can make the application much more difficult.

In addition, in most cases, there may be no negative entries in the . If this is the case, then it is a matter of balance of the bank, whether a loan can be forgiven or not. In most cases, the nature of the entries determines whether a loan is granted. However, if hard negative features such as a warrant, bankruptcy or foreclosure are displayed, lending is impossible under all circumstances.

Ultimately, the usual requirements apply. The customer must have a permanent residence and have a valid ID or passport. Collateral is not a must, but can be very helpful when applying. These should also be proven to the bank in the same amount.

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Consequences of non-payment of a loan

 

Delays in repaying non-bank loans are frequent. Loan companies have their own ways to deal with the negligence of borrowers. Reminders, calls to settle arrears, prompts – these are just some of the less dangerous forms of loan repayment. In the event that the debtor does not try to contact the creditor and the debt continues to grow, the lender will probably resort to more radical methods. What consequences can we expect if the loan is not repaid?

Penal interest, i.e. the first way to mobilize the borrower

If we default on repayment, the first step taken by the loan company will be to count the extra interest , which together can give a substantial sum, and this will certainly not facilitate the repayment of the liability. Before signing the contract, we should carefully check the table of fees provided by the lender – thanks to her knowledge we will be aware of the financial consequences. It is worth mentioning that on the Internet you can find a public utility – interest calculator that will quickly calculate the amount of possible criminal interest.

However, it is always worth paying back loans on time , and this should be treated as a priority. Before making a final decision about an online loan, we should consider the repayment date. Deciding on a short loan period, knowing that we will not be able to meet the deadline, does not fit into the Code of Principles of the responsible borrower. The amount of the installment loan and the repayment date are two issues that should be matched not only to our needs, but above all the possibilities.

Calls for payment – what can you expect?

A popular form of reprimanding the debtor about his arrears in repayment of the loan is sending reminders, or calls for payment. Obviously, the debtor will be charged for the costs of reminders . The lender can remind us about the need to pay the debt with three ways:

  • Electronic
  • telephone
  • paper mail

The electronic prompt is the simplest, most popular and the cheapest form of the prompt. It is sent in the form of an e-mail or SMS, so it quickly reaches the debtor. The reminder method using a telephone prompt is used when the borrower does not respond to previous forms of warning. The phone prompt is more expensive than the electronic one, and charges are sometimes charged even if we do not answer the call. The last type of reminder – a written request, is sent in the form of a letter, most frequently referred to. Such a prompt is considered to be more significant than the others and at the same time may act as a pre-court payment request. All of the received prompts may be used later in the collection proceedings and presented to the court as evidence.

Monits can scare debtors and put pressure on them, accompanied by haste, which is not a good advisor. Many people take quick payouts by means of which they pay overdue installments. At first, this may seem like a good solution for getting out of debt, but with time we will see that it is a vicious circle, because there will be more and more pay-offs. In the financial sector, this phenomenon is called the spiral of debt , which is a serious threat for clients of financial institutions and often leads to the declaration of consumer bankruptcy. A much better way can be to extend the loan repayment date . It is worth asking for such a solution at the very beginning of problems with regular repayment of liabilities.

The debt collection process – what is it and how it goes?

The debt collection process - what is it and how it goes?

The definition of the debt collection process is written in the legal letter: a set of legal, procedural and factual acts that lead to the debtor’s obligation to pay to the creditor. Those who had the dubious pleasure to participate in a given process know that it is associated with strong emotions and unpleasant experiences. Debt collection can be divided into three basic stages:

  • Amicable debt collection – at this stage, negotiations and discussions with the debtor are held, which are carried out through various forms of prompts and personal visits of the debt collector – before the talks begin, it is worth knowing the rules of negotiating with the lender ; very often, the debt collection process is successfully completed at this stage;
  • Debt collection – to solve the problem by court of income when the amicable agreement attempts did not bring results; thanks to the court’s judgment, the debt collector gains a writ of execution, which then becomes enforceable – it is the basis for initiating bailiff’s execution;
  • Debt collector’s debt collection – at this stage, the bailiff proceeds to take action and undertakes activities such as: auction of movable property or real estate, searching for hidden debtor’s property, general supervision of execution.
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Private loans up to 350,000

Loan providers offers several different solutions for you who are in need of a loan. If you have an card, you can apply for an account credit or a credit card. If you need to borrow money for accommodation. If you want to borrow for movable property or other consumption, you can apply for Loan providers customer loan, a private loan without collateral.

Private loans up to 350,000

A private loan (blank loan) at loan providers can be taken at between 20,000 – 350,000, without collateral. The interest rate on providers blank loan is variable and is set individually. The loan can be subscribed for with a maturity of between 3-12 years.
Applications for loans are made online with or without mobile ID. A preliminary message is provided immediately. All applications involve obtaining credit information.

The bank does not charge any lay-up fees or newspaper fees. There is also the possibility to insure their loan through a loan protection. It can be good for unforeseen events that can lead to difficulties in paying, eg unemployment or illness leading to worsening income.

In order to borrow money from loan providers, certain requirements must be met. You must have turned 18 and have a fixed income. You also may not have any active payment notes. The higher your income, the more money you can borrow from the bank.

You as a borrower have the right to redeem loans at no cost at any time. It is also good to make extra amortization to lower your future interest costs. Everyone who has a loan with the bank receives double bonus when they use and trade.

The private loan can be used as a car loan, boat loan or to solve other more expensive credits. It is up to you to decide what the borrowed money should be used for.

The minimum loan amount is 200,000 and you can apply for a maximum of 8 million online loans.

The minimum loan amount is 200,000 and you can apply for a maximum of 8 million online loans.

If you need to borrow more or apply for a loan to a holiday home, you must call and talk to the customer service.

The mortgage ceiling is by default 85% of the property’s market value. If you already have and want to move mortgages to loan providers does not apply to the mortgage ceiling. On the other hand, you will be forced to repay yourself to 70% mortgages according to a 15-year straight repayment arrangement.

Loan commitment valid for 3 months

If you are going to buy a new house, it is good to obtain a loan promise. It is also something that offers. Loan commitments can be granted up to 85% of the value of the home and provide security both for you and the broker for bidding. An approved loan promise is valid for 3 months.

The size of a loan promise amount is always based on the financial conditions that your household has. If you are two people who will be living in the house or the tenant-owner’s apartment, it is usually advantageous to apply together.

A loan promise can be converted directly into a mortgage loan if the bid is won. It assumes, however, that you have provided correct information and your ability to pay has not been worse since the promise was made.

Just as for the private loan, all customers who have mortgages through the bank receive double bonus when they shop and use cards.

Loans for down payment or bridge loans

When writing a purchase contract, it is customary to pay a down payment. If you need to borrow it, you can do so at loan providers. That loan is a short loan and must be paid back on the day of the entry to your new accommodation.

If you have not been able to sell your old residence before the date of access to the new one, a situation may arise where you have to pay for double accommodation. On such occasions, loan providers offers a so-called bridge loan.

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Loan: Cheap Interest

What is a loan?

The loan is aimed at borrowers who have been financing their property for some time and whose first interest rate commitment will soon expire. The loan is therefore a follow-up financing consisting of a standard annuity loan with fixed monthly installments and a fixed interest rate, which you can freely choose. The special feature of this follow-up loan: You can already complete it up to five and a half years in advance. Therefore, by the way, the name: Literally, Forward means loans in about “advance loan”.

But why does it make sense to conclude follow-up financing now, which you will only need in several years? The answer is simple:

The loan secures today’s low interest rates for you, so that your follow-up financing is favorable.

In other words, when your first debit interest matures, there is usually a residual debt left over that needs to be refinanced. You could just wait until your first mortgage lending has expired and just before closing a new financing for your remaining debt. The level of interest rates is currently low, but it is quite possible that the interest rates will rise again until the end of your first financing. Without a loan you need to finance your follow-up financing at this higher interest rate. With a loan, you can now purchase your follow-up financing at a low interest rate and be fine if interest rates rise in the meantime.

    This is how the loan works

    • The loan is a normal annuity loan (characteristics: fixed interest rate over several years, always constant monthly rate).
    • Up to 5.5 years before the end of your current financing, you can take out a loan.
    • The payment of the loan is made on time, after the interest lock on your first loan expires and the remaining debt has to be further financed.
    • With the money from the loan, you repay this old debt in due time.
    • Now, the loan starts with its own fixed interest rate, and you then pay off the new remaining debt every month.

    Advantages of loan

    • You can secure today’s low interest rates on financing that you will need in the future.
    • Rising interest rates can not hurt you anymore.
    • The loan also gives you the option of choosing long-term fixed interest rates.

    Disadvantages of the loan

    • If you have a loan, you will need to reduce it in the future; even if interest rates have dropped in the meantime.
    • The longer in advance you complete the loan, the higher the borrowing rate.
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    Credit or loan?

     

    However, although in terms of urgent online loans and online credits are generally considered to be synonymous, in reality they are two different products .

    To know well what to choose, it is convenient to know in advance the differentiation between both concepts, so we will know when these two words are considered as synonyms (credits and urgent loans) and when they really talk about two different financing products.

    What is a loan?

    A loan is the financial operation in which an entity or person (the lender) delivers to another (the borrower) a fixed amount of money at the beginning of the operation , with the condition that the user returns that amount together with the agreed interest. in a certain period.

    The repayment or repayment of the loan is usually made through regular monthly, quarterly, semi-annual payments … or in a single installment during that period. Therefore, the operation has a previously determined life. An important part of a loan is that interest is always charged on the total borrowed money.

    Basically, when we apply for a loan, we refer to a financial operation in which we ask an entity for a fixed amount of money. The condition of this agreement is that we return the agreed amount plus the interest generated within a certain period, although the interest will always be the same.

    What is a credit?

    This term refers to a “virtual” amount that the client can dispose of at will . A credit is the amount of money, with a fixed limit, that an entity places at the disposal of a client. The customer is not given that total amount at the beginning of the operation, but can use it according to the needs of each moment , using an account or a credit card.

    In this way, the lender will make partial deliveries at the request of the client . It may be that the client has all the money granted, or only a part or nothing. What is the positive part of a loan? In a loan, the client only pays interest for the money that, in fact, he / she has used, but it must be borne in mind that in the credits, in occasions, a minimum commission is also charged on the unpaid balance.

    In addition, the amount of a loan is not finite as the loan , but as you return the money may continue to have more, without exceeding the limit.

    So, what is better a loan or a loan?

    So, what is better a loan or a loan?

    In comparative terms, a loan is not better than a loan and vice versa. Both are products that solve customers’ financial problems if they are used responsibly.

    To choose one or the other financing model, you really have to make a small study of the economic needs of each one , since, as mentioned above, the credits, unlike loans, can be extended and repaid little by little, while in the loan conditions their full refund is required on the agreed date.

    It must be taken into account then that the credits are more indicated and appropriate to cover the lags between collections and payments of the companies . That is, the credits serve to meet regular expenses that, although at the time can not be covered with the usual economy, you can have that money after a few days. It is a regular money that can be thrown away so as not to leave unpaid gaps. Very appropriate for those companies that have to face regular expenses.

    While the loans are usually granted to finance the acquisition of a particular good or service : a car, some studies, a reform at home, a trip, some bills or even a sudden whim. That is, to cover a punctual payment that we did not have, or a payment that is not possible to cover the economy that is available at the time.

    The credits serve more to cover lags between collections and payments and to face temporary periods of lack of liquidity. Therefore, loans are usually more suitable for individuals who need an extra injection of capital quickly.