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Private leasing or car loan? | Auto Credit Broker

 

In the middle of the trade fair conditions on the purchase of a car, buyers are wondering how to finance it. In recent months, private leasing or car leasing for individuals has developed. Let’s see if this solution is better than auto credit? More commentary at geldsparen.biz

Compare private leasing with the loan of a car

Compare private leasing with the loan of a car

If you do not have enough financial resources to buy a new car in cash, the car loan solution comes to mind. Families who are not immediately comfortable in the world of car leasing believe that private leasing is synonymous with borrowing money for a car. Nothing is more wrong: there are essential differences between renting a particular car and borrowing money for a car.

When renting a car, at the end of the lease, you do not own the car yet. You will have the first choice to pick up the car but you can also choose to rent a new car. This gives you the opportunity to drive a new car after the expiration of each contract.

Through a car loan, a portion of the principal and interest is paid monthly for the car, but at the end of the credit agreement, the car is 100% owned and its residual value is calculated.

The extent to which renting a car as an individual is more attractive than buying a car (with or without a car loan) depends on many factors that you do not always have in your hands:

  • the amount of the maintenance costs,
  • the number of kilometers you will travel,
  • the life of the car,

What is a private car leasing?

What is a private car leasing?

What are the advantages of renting a car privately through a car manufacturer or a leasing company? And are there differences between borrowing money to buy a car or renting a private car? What is a private lease? Through a private leasing, we receive for a period agreed a car for which we pay a fixed monthly amount. Most car rental packages are designed for 2 or 4 years. The terms and conditions of renting a private car vary from one leasing company to another. In most leasing companies, in addition to the use of the car, you also get coverage for additional costs such as:

  • insurance
  • legal assistance,
  • the circulation tax,
  • maintenance,
  • the tyres,
  • roadside assistance and / or a replacement car.

Automobile leasing is not new. In the business world, the operational leasing formula has existed for years in the form of “leasing a company car”. The employee received a car as an additional part of his salary and the employer undertook to cover all the additional costs mentioned above. For an employee, a company car was an advantage since only a benefit in kind was taken into account as salary.

For its part, the employer was able to deduct (partially) the cost price of the leasing as operating expenses and, after comparison, granted a form of remuneration less imposed by the tax authorities and the social legislator. Due to the boom in private car rental, these benefits are now also available to families whose employer does not offer a company car.

Advantages and disadvantages of private leasing

Advantages and disadvantages of private leasing

The advantages of renting a car through a leasing contract:

1. Predictable monthly amount.

Thanks to a private car leasing formula you know in advance how much you have to pay for the car every month. In other words, drivers do not have to worry about the number of car maintenance cycles, possible scratches due to vandalism, a replacement car, etc. Any costs, with the exception of the cost of fuel, are included in the leasing price.

2. No deposit or balance to pay.

Renting a private car does not require a deposit or a balance. After all, the ownership of the car never passes to the driver of the car. When, in the case of a car loan, the lender’s property right passes to the borrower after the monthly repayments have been made, the car manufacturer or the leasing company retains the private ownership of the vehicle for the entire period. duration of the rental of the vehicle.

disadvantages

1. No property rights on the vehicle:

Renting a car privately never becomes the owner of the car. The rental car remains the property of the car manufacturer or the leasing company for the duration of the lease. While with a car loan, after reimbursement of all periodic payments, we could sell the car on the second-hand market, we have no tangible possession after the end of the rental of the private car.

2. Long-term financial commitment:

A private car rental contract commits you for the duration of the contract. It will not be possible to cancel the rental agreement, except for a high cancellation fee (up to 50% of the remaining monthly amounts), if you are tired of the rental car or if you wants to change car because of different family needs. Where, if one would have bought the car oneself, whether or not through a car loan, one could decide at any time to sell the car. Carry out the necessary simulations before signing the lease of a particular car. Try to maintain sufficient financial reserves to pay the monthly rental price if, for example, you are forced to change jobs. Tip: Some leasing companies offer supplementary insurance to cover the unpleasant circumstances that affect financial possibilities, such as forced dismissal, divorce or the death of the partner.

3. The estimate determines the cost price:

As a leaseholder of a particular car, you will have to indicate at the beginning of the lease the number of kilometers traveled each year. The estimated kilometers are used as an indication to calculate the monthly rental price. As the number of kilometers traveled on an annual basis increases, the residual value of the rental of a particular car will decrease and, as a result, the monthly rental price will increase.

If you buy a new car, contact us to study financing and insurance solutions.

Monthly loan for sudden expenditure

You do not have to rush to the branch, because the Internet will arrange a loan even during the evening!

Probably no households avoid financial problems, and it is true that sometimes they can really get our heads tangled. How to solve them when we just have two more weeks to pay and the trouble comes at the least suitable time? Helping hand is not far, actually just open the Internet browser. The small finance crisis is quickly overcome with the help of short-term non-bank loans. If you are interested in one, you are at the right address right now. So let’s get started?

 

It’ll go smoothly, it’s done in a quarter of an hour

money loan

You certainly have no reason to worry about any long actions that will take a lot of time, nerves and personal information. On the contrary, it is not necessary to fill in long forms nowadays – rather it is only an identification of the applicant in order to avoid unnecessary confusion. Administration is not complicated at all and it is very easy to get used to even those who do not have much experience with the Internet. Shortening the whole process is obvious, the loan takes only minutes. Twenty or twenty-five years ago, we would not have expected such a thing at all, but with the development of electronics and Internet access in every home, such an easy way is already a matter of course. A non-bank loan is simply welcome!

 

Calculate costs in just a moment.

calculator

When you take out a loan, you should be clear about all the numbers – but that’s what all transparent providers can easily do. The loan calculator will ask you only two questions. This is how much you want the loan (optional range is 1 to 15 thousand crowns) and for how long you would like it (repayment schedule can be set to 1, 2, 3 or even 4 weeks). Only a minimum of conditions for each client, also equals a high percentage of approved applications. Simply because virtually everyone can meet the low set requirements, no need to worry! What else is the advantage of similar loans?

  • Safety. Personal data will not come into the wrong hands. They are carefully stored on the server.
  • Discretion. No one will know that you are borrowing. Not a neighbor, and with a little courage, not even a wife.
  • Transparency. A contract without amendments in small print and no extra charges, once agreed, will no longer be changed. It’s certainly a big advantage, you know right now what you’re on.

 

Money today, without unnecessary questions

money loan

Purposeful, quick to deal with, what more could you want, right? Today’s short-term loans are just such and it is certainly because the market is relatively strong competition, which forces everyone involved to ever better performance. In a short while you can have everything important agreed and the money will be on your way to your bank account. You can use them for whatever you want, even for a short holiday.

Car loan without credit bureau query – directly from the bank

You can discover risk-free alternatives to this in the associated comparison. Do not hesitate to apply immediately.

You submit your loan application completely without obligation.

Not advisable – overdraft facility

Not advisable - overdraft facility

The first idea is often the best solution. This old wisdom unfortunately does not apply to problems with the credit bureau. Overdraft facility is the first option that most come up with when there is an urgent need for credit. Overdrafting is also one of the most common lending transactions.

“Beating yourself” doesn’t seem impossible. Basically, that’s true, if only to a limited extent. Because, even for a used car, it pays off to use the overdraft facility. Existing overdraft facility is available without a new credit bureau query, but is very expensive.

Installment loan – car loan without credit bureau query

Installment loan - car loan without credit bureau query

Installment loans are used by many people to fulfill life’s greater desires. The offer for regular installment credit is considered to be particularly inexpensive and readily available. But, German banks offer no way to take out a loan without credit bureau. Because all credit institutions from Germany and credit portals work with credit bureau.

You are even largely obliged to cooperate. As soon as a customer applies for a loan, the bank first queries the salary and then the credit bureau. The savings banks, depending on the association, work through a central office. This is the only location that also receives additional data from credit bureau. People with negative credit bureau entries therefore have little chance of getting a car loan. Basically, this is exactly the core task of credit bureau. So back to the dispo. Simply exhausting the existing framework is usually not enough.

The majority of the bank does not permit an overdraft facility extension without a new credit check via credit bureau. Therefore, the loan seeker has to find another way. A real personal loan is one of the realistic ways to take out a car loan without credit bureau query.

Personal loan – from private to private

Personal loan - from private to private

In this context, personal credit is to be understood as a loan – from private to private. However, the circle of potential private donors – without credit bureau – is immediately limited again. Because, all recognized credit portals that provide P2P loans work with credit bureau. It is not the lender who queries credit bureau directly, but the portal.

Realistic car loan without credit bureau query therefore comes from a circle of friends, family or a friend. However, the latter option is rather unlikely because the relationship of trust is lacking. It is common to all of the named lenders that, unlike banks, the legislature does not oblige them to check their integrity. So you can of course do without the credit bureau query.

In addition, there are no other regulations that every commercial investor must comply with. For example, family members or close friends do not have to verify their identity so that they can grant the car loan without credit bureau query.

Other hurdles:

However, this car loan without credit bureau query has a huge disadvantage. Since most of them did not fall into the “money box”, the potential contacts lack the means to lend on a larger scale. It would be conceivable to ask your friend to apply for a car loan. However, the next catch is already lurking.

Usually, the credit terms contain the restriction, “for your own account” or “for your own use”. With this, the bank bindingly excludes representative borrowing. Which starts the search for credit for the foreign loan.

Car loan without credit bureau query – from abroad

Car loan without credit bureau query - from abroad

A small loan from abroad enables German citizens to take out a loan without credit bureau. Anyone can apply for a car loan without credit bureau query directly from the bank or through intermediaries.

The bank, more precisely Lite Lender, does not offer a dedicated car loan. credit bureaufree foreign credit for Germans is always free to use.

The offer is limited to employee credit. The following may save the application:

  • Self-employed,
  • freelancer
  • housewives
  • unemployed person

The foreign bank basically rejects people without a secure income. Neither a guarantor nor a property security value the proof of creditworthiness. The bank takes a close look at the proof of income. Because, net wages alone secure credit.

A declaration of assignment must be signed.

credit bureaufree car loan offer

credit bureaufree car loan offer

The bank offers car loans without credit bureau query in three different amounts:

  • 3500 USD
  • 5000 USD
  • 7500 USD

The requirements for borrowers increase with the loan amount. For example, singles without maintenance obligations qualify for a net credit of 3500 USD from 1150 USD. For 5000 USD car loan without credit bureau, 1600 USD net must be proven by singles. With 7,500 USD credit 1800 USD net income.

Alternatives – compensate for poor creditworthiness

Alternatives - compensate for poor creditworthiness

With a loan from Germany, it is possible to offer additional collateral. The applicant could name a guarantor if his credit rating is not quite as good. In the case of a joint loan, the second surety secures the bank’s claims. Another would be to hand over the vehicle letter to the lender.

After the loan has been settled, the borrower gets his security back. Until then, the keeper can only have limited use of his vehicle. For example, there is no way to sell the vehicle without the bank’s approval.

Therefore, a comparison is worthwhile

Therefore, a comparison is worthwhile

A loan comparison is always worthwhile. It explains the reasons why a car loan without credit bureau query on the Internet does not necessarily fit. Credit from Germany – taken out despite credit bureau – is much more flexible. In addition, despite credit bureau query, car loan offers the chance to additionally secure the loan.

Instead of just one bank, as with a car loan without credit bureau query, several providers are possible. Competition saves interest and ensures transparency.

Recommendation:

Submit your car loan application right now. You will automatically find out which other loan alternatives are suitable for you.

Do not hesitate, do not take any risks with the application.

Banks offer credit with 3000 USD net.

 What do you imagine for your 3000 net loan? Unrestricted creditworthiness or the way out of a financial crunch?

We do not want to recommend a specific loan with good income to you, we want to bring you closer to options, depending on your credit rating. Earning 3000 USD net monthly income can lead to the “red carpet”, but it can also lead to rigorous loan rejection.

Understanding 3000 net credit – understand credit rating

Understanding 3000 net credit - understand credit rating

Most people looking for a realistic 3000 net loan do not have to fear for the loan approval. As a rule, a good income means that people can make ends meet. The bills are paid on time, contractual obligations, from the rental to the car installment, are met on time and automatically from the checking account. With a net income of 3000 USD, credit should not be a problem.

However, the more money a person earns, the higher the demands. The pair of shoes from the discounter is not enough, a noble label must stick under the heel. Instead of a good lower middle-class vehicle, a higher-class vehicle with a well-known brand should wait in the parking lot. Even if many will not understand it, but with an income of 3000 USD nobody feels “to have escaped poverty”.

The desire for a credit with 3000 net is therefore often faced with similar problematic requirements as credit requests with a small income. This time, however, it is not the garnishment exemption limits that thwart the calculation. In the case of middle-income, it is claims and often pre-debts that become a problem. Not only the net income decides about credit requests, but also many other factors.

Middle income credit – not the same for everyone

Middle income credit - not the same for everyone

The statement of earning 3,000 USD a month does not say anything about income security. One of the most important factors in deciding on a loan is the certainty that the borrower can always pay his installments on time. For a lifetime civil servant with 3,000 USD net, the father guarantees that the money is on time in the account every month.

It will be so until the end of his life. He is non-resignable and even after retirement, officials can expect high levels of retirement. Under these circumstances, lending could be extremely high without having to do without simple procedures. At the free commercial agent, to bring the extreme counterexample, it does not look so rosy for credit with 3000 net.

Earning 3,000 USD a month as a sales representative is more of a starting wage with good products. If it goes well, the product is in high season, then 10,000 USD net per month is no rocket science. If it goes badly, for example the commercial product, it would be banned or displaced by competitors, there can also be zero on the commission statement. The same applies to illness or seasonal fluctuations – moon boots in midsummer.

Suddenly there without income, of course, he could not repay a loan. From the bank’s point of view, any lending would be a high credit risk. If the sales representative really only had 3,000 USD a month, he could not survive the loss of income economically for long. His fixed costs continue to run, only income can collapse from one day to the next.

Credit options with 3000 USD net offers

Credit options with 3000 euros net offers

Modern loans are flexible, everyone can discover the individually fitting loan offer for themselves. It would only be important to contact the right provider. The majority of earnings in Germany are still subject to social security contributions. Every loan comparison offers offers for loans with 3000 net and safe income, subject to social security contributions, permanent employment contract and clean Credit Bureau.

The selection of eligible loan offers becomes much thinner when self-employed earnings secure the livelihood. Apart from a few job descriptions for freelancers – doctor, lawyer – the way to the house bank is hardly worthwhile. Interest rates are either priceless – commensurate with the risk – or the self-employed are effectively excluded from loans.

There is scope for offers in free loan comparisons through the loan with the income tax assessment. Credit security is derived from the business model that has been running successfully for several years. If it were not successful, the self-employed would not have to pay income tax. Another option for loans with 3000 net results for the self-employed if lenders with a higher risk tolerance are addressed.

Risk credit with 3000 net credit for self-employed

Risk credit with 3000 net credit for self-employed

To earn only 3000 USD net on your own is not much money if you are self-employed for a long time. For secure regular bank credit without additional collateral, such as a solvent guarantor or high real assets, the income is not necessarily sufficient. Nevertheless, a reasonable loan with 3000 net can of course easily be paid if everything goes on like this. The risk of trusting and granting credit is often only taken by private investors.

Good Finance offers a good, reputable point of contact for private loans, starting at 1000 USD. Solvent retail investors would be able to be contacted on the loan request within the credit portal. With a functioning business model, secure future prospects and a decent reputation, credit with 3000 net from private is realistic even in difficult cases. A credit attempt costs nothing.

Loan with 3000 USD income.

Would you like to take out a loan with an income of 3000 USD? Maybe building a house or rescheduling? How much credit can you safely finance with this income size?

Credit with good net income poses no fewer questions than with small income. We use information to guide you to the answers to your individual questions.

Loan with 3000 USD income – starting point

Loan with 3000 USD income - starting point

The desire for a loan with 3000 USD income sounds straightforward at first. The amount of income should be sufficient to safely implement even large loan requests, such as building a house. Nevertheless, generalization remains a bad guide as a decision criterion. The individual income situation provides maximum clues as to what a borrower can actually afford and how much credit could be financed.

How different the individual situation could be, two extreme examples to illustrate this:

If the official salary of $ 3,000 for a debt-free single residing in the “Hotel Mama” is used, the potential credit line would be “ample”. If there is a net income of 3,000 USD for a married self-employed person with four minor children, it will be difficult to obtain credit at all.

In the first case, the credit institution can assume a lifelong safe job to measure the credit line. Approved credit would be secured with a garnishable income component of $ 1341.28 per month. At Hotel Mama, the positive household bill is certainly not a problem. The borrower has at least theoretically almost all of his net income available for payment in installments.

In the second case, for loans with an income of 3000 USD, there is no income security through an unlimited employment relationship subject to social security contributions. Income could drop from one day to the next. To put it bluntly, the loss of income would not even be a great loss for the family. In the case of a large family, state social benefits would largely compensate for the loss of income.

This is clearly shown in the attachable share of income. The bank could only pledge USD 61.13 a month for payment difficulties of USD 3,000 net. The deliberately extremely chosen examples show that other factors, in addition to the “net income” indicator, have a decisive influence on the assessment of credit. The blank number on the bank statement is as virtual as the USD as a currency unit.

Build a house with 3000 USD net – is that possible?

Build a house with 3000 USD net - is that possible?

The question of maximum creditworthiness arises at the moment when big wishes are to be realized. A borrower should calculate a maximum of one third of his income for debt service if he does not have to pay rent. Equity and property security also play an important role in real estate credit calculations.

A real estate buyer or home builder should have saved at least 20 percent “cash” equity before becoming indebted. He will receive the lowest-interest loan offers if he proves at least 40 percent equity. Of course, only the bank can calculate exact numbers of how much credit will be granted with an income of 3000 USD. Roll over, with a secure job and sufficient equity, up to 200,000 USD in house loan could be possible.

Warning:

Given the currently low building interest rates, it would even be conceivable that full financing would pay off. One can only be warned of this. Usual fixed interest periods of five years or 10 years do not guarantee that the bill will work. In the history of monetary policy, a period of low interest rates has been followed by a significant rise in interest rates. If this did not happen, inflation would certainly be inevitable. Then, at the latest, the current Best Lender president will raise interest rates.

Loan with negative Credit Bureau – 3000 USD income

Loan with negative Credit Bureau - 3000 USD income

As can be seen from the examples, credit with an income of 3000 USD can be a problem in some cases. With a negative Credit Bureau, it does not matter how much money someone makes for the credit rating score. The negative entry sets the sign for credit rejection for the valuation of regular bank credit. The house bank would not even issue a small overdraft facility under the sign of a negative Credit Bureau.

In a different way, providers of risk loans assess creditworthiness through proof of income. – Provided that the income would be generated through safe employment subject to social security contributions. The Agree Bank’s international loan would not check the applicant’s Credit Bureau creditworthiness, but rather the individual case using supporting documents. The attachable portion of income plays a central role in securing the loan.

It would be conceivable to have a Credit Bureau-free loan with an income of 3000 USD even for families with several children and only one income from work. From a purely net income point of view, borrowers with up to four dependent persons could receive 3500 USD in credit. Loan requests in the amount of 5000 USD or 7500 USD would be possible with up to three dependent persons.

Central point of contact – Good Finance

Central point of contact - Good Finance

It is very easy to find out whether the desired loan with 3000 USD of income would be possible online in individual cases. Good Finance is regarded as a reliable contact point for all credit requests from German citizens. The portal combines both credit offers with excellent credit ratings as well as loans for the self-employed or with poor credit ratings. Bank credit would be uncomplicated and easy to check using the portal’s free loan comparison.

If borrowers do not like the banks’ offer of a loan with an income of 3000 USD, a loan attempt via private donors would be possible. Private investors are known for their greater willingness to take risks when granting loans and market interest rates in line with the credit risk they take.

Loan with guarantor despite negative credit bureau.

Credit rejection is preprogrammed with negative Credit Bureau. Many see the loan with guarantors as the only way out, despite the negative Credit Bureau.

Our credit advisor for credit with negative Credit Bureau would like to show alternatives that do not require a guarantor. We want you to receive your desired loan without jeopardizing your guarantor’s good credit rating.

Loan with guarantor despite negative Credit Bureau – arbitrariness of the bank?

Loan with guarantor despite negative Credit Bureau - arbitrariness of the bank?

Every credit decision should be handled responsibly. If the bank requests a guarantor, there are valid reasons why the clerk considers the lending to be risky. Bad score and negative Credit Bureau are not biblical plagues that fall from the ground without reason. Some banks make credit decisions easy. Either a loan with a guarantor despite a negative Credit Bureau or refusal of credit.

But it would be dishonest to pass the “buck” on to the bank. A massive misconduct by the borrower can be assumed almost without exception if Credit Bureau prevents self-responsible borrowing. Nevertheless, each loan request must be considered in an individual case. If there is a real risk to repayment, it would be irresponsible to ask a guarantor for credit protection.

Reputable credit providers for risk financing, for ethical reasons alone, do not offer loans with guarantors despite a negative Credit Bureau. Real risk financiers forego the guarantor because the examination of the individual case can prove the sufficient creditworthiness for the lending. Score and Credit Bureau only consider past payment behavior. You are not infallible. Serious financing is possible if the present reveals the score as a wrong forecast.

Credit check for a risk loan – no guarantor has to be liable

Credit check for a risk loan - no guarantor has to be liable

Regular credit is ruled out in the event of a negative Credit Bureau, since ordinary credit institutions rely on the score for risk assessment. The score summarizes in a number or number (depending on the provider) how high the credit default risk is. The credit rating is influenced by past payment behavior and by knowledge of comparison groups. The exact weighting is the scoring provider’s trade secret.

Instead of transferring the liability risk to a co-owner in the case of a loan with a guarantor despite a negative Credit Bureau, reputable risk financiers go different ways. The clerks see the score, but they question details. For example, it may be that the negative entry was long ago and has long been paid for. The prospect’s financial situation runs in the normal way.

A current evaluation based on the submitted documents can prove that lending is perfectly acceptable. From an ethical point of view, it is acceptable if the installment payments do not overwhelm the borrower. It is justifiable for the bank’s investors if it could be demonstrated that the loan can be serviced in accordance with the contract. A guarantor is basically superfluous if there is no excessive real credit risk.

Credit with negative Credit Bureau without guarantor – requirements

Credit with negative Credit Bureau without guarantor - requirements

So that a loan with a guarantor does not become a condition despite a negative Credit Bureau, the bank must offer the individual case examination by hand. Any automated process inevitably leads to refusal of credit or the desire for a co-owner. The applicant must of course be qualified for general lending. This includes income subject to social security contributions above the attachment limit and an unlimited employment relationship outside the trial period.

In addition to these basic requirements, supporting documents must provide evidence that lending is secure. The Credit Bureau excerpt shows a completed entry if a larger loan amount is to be financed. (Exceptions: foreign credit without Credit Bureau and micro-credit with a short term). The bank statements as proof of creditworthiness are particularly informative.

Excerpts from the last three months are usually checked. It becomes apparent to the credit auditor whether there is a garnishment of income or if coercive measures are imminent. An example of impending insolvency would be chargebacks due to insufficient funds. That the finances are not under control show payments to collections, growing red numbers and numerous credit card debits.

The comparison of the account balances at the turn of the month shows that the household bill was not “well calculated”. Savings would be the optimal prerequisites for independent loan liability, instead of a loan with a guarantor despite a negative Credit Bureau. The checking account perfectly supports the granting of loans if a savings rate in the amount of the planned installment payment remains in the checking account every month. A guarantor is dispensable since the money is available for payment in installments.

Our tip:

Do not want to force a loan despite Credit Bureau. Everyone is responsible for loans. Loan denials serve to protect the bank from losses, but also to protect the borrower from excessive demands.

Loan offers despite Credit Bureau bank or private donor?

Loan offers despite Credit Bureau bank or private donor?

Financing despite Credit Bureau offer commercial lenders and private lenders alike. Advantages of the bank loan are that a large sum should be rescheduled and repaid over the long term.

However, private lenders tend to forego the loan with guarantors despite a negative Credit Bureau if the credit risk is recognizable. Through Good Finance or Good Lender, the loan application offers access to serious private credit despite Credit Bureau, and choosing one of the market leaders has the advantage of reaching a large number of lenders willing to invest.

We recommend avoiding the loan with guarantors despite a negative Credit Bureau by applying for a loan with Good Finance. The advantage of Good Finance is that in addition to private investors, commercial loan offers are also possible. Because if you want to finance despite Credit Bureau, you shouldn’t forego any potential financing option without a good reason.

Loan for everyone immediately on account

Borrow safely and within minutes, thanks to the Internet, from the comfort of your home. Safely, simply and without any problems. There is no need for a guarantor, you can extend the due date if necessary, and include loyalty bonuses. Simple work that everyone can do, 100% online. Personal information will remain hidden from the eyes of third parties, no one will know that you have borrowed some money.

 

Very simply and very comfortable, extending the due date for a small fee

Very simply and very comfortable, extending the due date for a small fee

If you do not prosecute repayment, nothing essential happens here. We can postpone the due date by up to four weeks, or twenty-eight days, respectively. No matter the reason you borrow, it can be just about anything. A thousand paycheck or five thousand on a new cell phone when you accidentally destroyed the previous one. Feel free to pay ten thousand for arrears on bills, what you need to urgently deal with, when the family cash is literally just a few crowns.

 

Everything will be solved within a quarter of an hour, you do not have to wait for anything

Everything will be solved within a quarter of an hour, you do not have to wait for anything

You will see us soon, so no fear! Fifteen minutes and money will probably be on the way if it doesn’t reach your bank account . The short contract is then just the icing on the imaginary cake, it will actually be just a few sentences that capture absolutely everything that is essential. There is no need for long formulations that do not tell anyone. Without screening candidates in the register of debtors, as little paperwork. Employees, pensioners, self-employed persons and many others can borrow it, all they need to do is to prove their regular income, which, of course, can also be the pension assessment.

 

Flash Money Transfer is a guarantee of success you can bet on

Flash Money Transfer is a guarantee of success you can bet on

Waiting is not what someone really and fervently likes. Which of course we know very well and we act accordingly. Funds will be transferred instantly after the application is approved, in other words – while you wait! Trust is really above all for us, if you are regular clients, you can earn a lot from it. The loyalty discount on interest is not just a word, but a common reality, you get a discount of up to fifty percent !

 

Rely on transparent negotiations, the loan is no questioning

loan negotiations, the loan is no questioning

We don’t want to know more about you than is absolutely necessary. By law, a loan has certain requirements that we must comply with. However, there is no need for more information, such as whether you are single or married, or how many square meters the apartment you are permanently reporting has. Minimum client requirements? Of course for us. Name, surname, permanent address, mobile phone number. This, together with your bank account number and receipt, is the foundation you need to include in your loan application. And that’s it, don’t expect any upfront fees or endless polling…

 

What to be careful about loans? Check your provider

What to be careful about loans? Check your provider

Not a lender as a lender, you can still find many things on the market. So what to consider when you want to make a good choice?

  • History. If it’s not easy to find, something just doesn’t play. Better keep your hands off!
  • Fees in advance. These are a long history of decent companies, who would also want them?
  • Headquarters in the Czech Republic. It’s better if it’s based in Prague than at some dubious foreign address, right?
  • Additional services. Find out in advance. They can really come in handy at some point.

Of course, there is always an age restriction, but it is not legally possible to lend to persons under the age of 21 and it is true that a similar thing does not even conform to the commonly accepted code of ethics. On the contrary, pensioners can borrow, basically it is enough to have only a steady income from which it is possible to repay the loan in good order.