/ My WordPress Blog Mon, 04 May 2020 03:29:39 +0000 en-US hourly 1 Tips for taking out installment loans for bank customers /tips-for-taking-out-installment-loans-for-bank-customers/ /tips-for-taking-out-installment-loans-for-bank-customers/#respond Mon, 04 May 2020 03:29:39 +0000

Vacation, a new car, a new stereo? Quite a few people lack the necessary money. An installment loan can help. However, there are a few important things to keep in mind.

So that the loan does not become a trap: Valuable tips for taking out installment loans.

There are urgent purchases and the overdraft facility on which the current account is exhausted. Some consumers consider installment credit when the money is insufficient. This can be a useful option. Astro Bank recently summarized what needs to be taken into account in the following five tips.


1. Choose the right installment

installment loan

With an installment loan, borrowers have the option of choosing the amount of the installment to suit their financial situation when the contract is concluded. It is also important to choose the right term. The combination of interest and term results in the rate amount.

For example, those who choose a comparatively short term have to pay correspondingly higher rates. If a borrower opts for a longer term, the amount of the monthly installment is reduced.

However, a longer term usually increases the total interest burden. In general, therefore, borrowers should not, for example, choose the lowest possible rate with the longest term, but ideally a rate that gives them enough financial scope each month. One should always think of unplanned expenses.


2. Combine several loans

2. Combine several loans

Some borrowers already have one or two ongoing loans. If existing loans are merged with the help of a new loan, customers can not only improve the overview and simplify repayment, but very often also save considerably thanks to the currently favorable low interest rate phase.

As part of a debt rescheduling, customers can use the new loan to replace ongoing installment loans. You can make new decisions about the term and monthly installments and, for example, wisely expand the loan amount. The customer receives more purchasing power and the currently very low interest rate level often even reduces the overall rate burden.


3. Redeem the overdraft facility

3. Redeem the overdraft facility

The option granted by a bank or savings bank to overdraw the account is called a credit facility. Such an overdraft is usually very expensive and is usually only suitable for consumers to bridge short-term financial bottlenecks.

Anyone who overdraws their account over the long term or regularly, often pays significantly more interest than if they take out an installment loan. It may therefore be worthwhile to either settle the overdraft facility with a new installment loan or to replace it with an existing installment loan.


4. Consider second borrowers

4. Consider second borrowers

Together you are strong: If you take out your loan instead of alone with a second borrower, for example together with your partner, you usually pay less interest and – if desired – often get a higher loan amount.

Because together with a partner there is usually a higher net income and a better risk assessment and credit rating. The bank then often passes the lower risk on to the customer in the form of better conditions.


5. If you change your mind …

credit loans

Consumers can withdraw from the loan agreement within 14 days of signing it. The legislator prescribes this right of withdrawal. Some banks also offer an extended withdrawal period. For example, the borrower has a general right of return at some institutions within 30 days of taking out the loan. Special repayments are also possible at many banks, so that a contract can be terminated sooner than originally planned.

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4 steps to choose a peer-to-peer loan company /4-steps-to-choose-a-peer-to-peer-loan-company/ /4-steps-to-choose-a-peer-to-peer-loan-company/#respond Fri, 07 Feb 2020 08:40:05 +0000



The peer-to-peer lending (P2PL) loan is an interesting modality for those who have money left over and want to seek good return on investments. It is different from ordinary ones, bringing more advantages for those who want to venture out, precisely because they do not need the intermediation of financial institutions.

Even though it is an attractive modality, peer-to-peer loans require a lot of attention from those who will choose them. Some basic details need to be observed so that the best alternative is the one where the money will be invested. This is critical to the security of the loan.

The following post will help you when deciding which application is best for you. For this, we will bring 4 fundamental tips. Check-out!

Observe the interest rate when considering a peer-to-peer loan

Observe the interest rate when considering a peer-to-peer loan

As with any other type of loan, P2PL also incurs interest. Therefore, it is essential to observe what rate is being practiced before joining any available application.

As a comparison, check the interest rate on other loans of the same type. It will be possible to observe what the average rate is. It is important that the chosen application is not far above, as this can pose risks. Check if it is advantageous in relation to the profitability possibilities.

Check how the company’s finances are doing

Peer-to-peer loans are very common for companies seeking capitalization, or even those seeking crowdfunding financing, in order to start their activities in the corresponding market.

Therefore, it is highly recommended to check how the company’s finances are going. Check prior information about it in the market, in addition to checking if there is any kind of legal action against it. In addition, it is also important to be aware of possible balance sheet reports offered. By the way, if it does not provide this type of documents that attest to your good financial health, it is good not to take any chances.

Know how much the company is looking for

Know how much the company is looking for

The values ​​sought by companies through the peer-to-peer loan can be for different purposes. There is the possibility of being a complete financing to start a business, or simply a specific capitalization for some activity or sector.

It is important to understand that in this type of application the investor is “lending” money to this company, so that later on, he will receive back with interest, generating profitability.

Good guarantees of this profit may be linked to the requested amount. If it is just a one-off capitalization, the chances of a solid company are good, that is, the risks of the loan are lower.

Search for clear information

Search for clear information

Investors always have doubts about their applications. This is even stronger when you have little experience in the financial market. A simple way to avoid this type of problem is to seek as much information as possible, especially with regard to the risks of the loan.

Thus, it is essential to be in contact with companies that provide all the necessary data, with clear information on risks, interest rates, liabilities, terms and whatever else is necessary. In addition, it is interesting that they maintain efficient communication with investors.

Search for the ideal peer-to-peer loan

Search for the ideal peer-to-peer loan

With these tips, it is possible to seek a quality peer-to-peer loan, with few risks, excellent returns and, above all, a lot of transparency on the part of the company involved.

Did you like to know more about the subject? How about getting to know services that connect companies with investors? Contact us to learn more about how we work!

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What is the best loan option for my profile? /what-is-the-best-loan-option-for-my-profile/ /what-is-the-best-loan-option-for-my-profile/#respond Sun, 26 Jan 2020 08:04:37 +0000

Currently, the process for acquiring a loan has become much simpler and more practical. The emergence offintechs, such as oriented credit, has made it possible for service conditions to be better, and it is possible to find the one that best matches what you need at the moment, with lower interest rates, more flexible rates and terms.

Borrowing from traditional banks has become a thing of the past. Nowadays, it is already possible to do everything over the internet, safely, without bureaucracy and with conditions that fit in your pocket.

It is necessary to know that there are several types of loan and each modality changes according to your need. Therefore, we have separated for you the main loan options to help you choose the one that best matches your profile.

Business loan

Business loan

This type of loan is ideal for those who want to open their own business and for those who already own a company. It is possible to use the loan to improve your business or to acquire working capital (money used to keep the company running, such as payment of salaries, maintenance of the property, electricity, among others).

Thus, before applying for a loan it is important to know what your main need is, for example, to increase your space with a renovation, to acquire stock, to obtain working capital, among others. After delimiting this, it is time to research which oriented credit company offers the best terms.

Understand the amount of the loan needed, look for lower rates and interest and also where there is less red tape, so you will be spared from possible stress.

Choose the right credit line according to the size of your business. Take all the doubts and analyze the proposals and your finances well before making the request.

Personal loan

Personal loan

We know that sometimes it is normal for the accounts to become unstable and for the financial situation to become complicated. At such times, a loan can help you pay off debts, invest in something or even refinance something.

Thus, a good option is the oriented loan since in this type of service the interest rates are lower and the payment term is longer than in the conventional bank loan. In addition, some credit oriented companies, offer a financial diagnosis, with which it is possible to understand the best type of loan for your situation.

Secured loan

Secured loan

One of the best loan options, both personal and business, is the one with secured property or vehicle. Many credit oriented companies offer this option and everything can be done online, without bureaucracy and, best of all, credit is usually released quickly.

In short, the secured loan involves using a property (residential or commercial) or a paid vehicle as collateral in the loan process.

That is, there are several loan possibilities according to each need. First, evaluate your profile, if you need a business or personal loan, then make a simulation and a financial diagnosis and with the help of your credit oriented company choose the one that suits you best and that fits in your pocket!

Make a loan simulation and count on us!

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Credit Marketplace: 5 reasons for you to know right now! /credit-marketplace-5-reasons-for-you-to-know-right-now/ /credit-marketplace-5-reasons-for-you-to-know-right-now/#respond Tue, 21 Jan 2020 08:57:49 +0000

Having to go to the banks to apply for a loan for your company is not an easy task, right? There are many demands, bureaucracies and high costs that discourage any entrepreneur, but have you heard of the credit marketplace? Well, this is a very interesting alternative for you to get credit for your business.

We know that, in most cases, if the entrepreneur uses a loan, it means that he needs help to solve a financial problem. Because of this, these platforms were created with the aim of making life easier for the entrepreneur, providing him with credit fast, safe and without bureaucracy.

Want to know how the credit marketplace works? Then continue reading this article until the end, as we will show you what are its main advantages. Check-out!

What is the credit marketplace?

What is the credit marketplace?

You may have heard of the more traditional marketplaces, right? Those who sell clothes, shoes, furniture and everything you can imagine, right? The credit marketplace works in the same way, but instead of selling products, it makes credit available to entrepreneurs looking for a loan.

Through it, the entrepreneur is able to access his credit more quickly and effectively, ensuring the financial security of his company, as he will not need to undergo a long credit analysis – which in traditional banks usually takes days to be approved.

That way, you can solve your problem once and for all, without jeopardizing the good development of your business.

What is it for and how does it work?

What is it for and how does it work?

In short, the credit marketplace aims to connect companies that want to grow with investors who want to legend. By removing the complexity of dealing with other creditors, organizations can access finance in less than fifteen days and investors have the potential to earn better returns by lending to them.

To make the loan, you need to register your company and then apply for credit. On some platforms, approval is published on the marketplace.

That done, investors analyze the situation of your business and decide whether or not to lend the money to you. When the amount reaches 100% of the requested funding, the money is deposited in the company’s account. Finally, the entrepreneur pays the monthly installments of the loan according to the agreed terms and fees. The investor, on the other hand, receives his monthly payments according to the combined profitability.

What needs does it meet and what are its differentials?

What needs does it meet and what are its differentials?

Although the credit marketplace is still gaining momentum in the country, it is important to understand what they offer and what their differentials are in order not to be dependent on banks. Platforms usually offer the following alternatives:

  • credit for micro, small, medium and large companies;
  • anticipation of receivables;
  • factoring credit;
  • excellent investment opportunities;
  • insurance, credit card and other financial services.

For what reasons do you need to meet him?

Below, we list the main reasons why you need to know the credit marketplace. At this point, we chose to use the platform as an example, in order to make it as clear as possible how a marketplace can benefit your business. Follow!

1. Enables simulations

The simulation is important for you to understand what will be charged when paying the loan. To do it is very simple: just find the button “do a simulation” and choose the type of concession you would like to make, enter the amount you want to finance, choose the amount of installments and inform how much your company has invoiced in the last few 12 months.

Once this is done, the simulator will provide the value of the installments and what will be the percentages of the effective and interest rates.

2. Help you choose credit

As the marketplace offers the opportunity to the entrepreneur to simulate his loan, consequently, the platform facilitates decision making, making the choice of credit to be made consciously, without compromising the company’s budget.

As you can see, the goal of the marketplace will always be to help companies, not to incite the entrepreneur to pay for a commitment that could harm him in the future.

3. Fairer rates

Another objective of the credit marketplace is to offer its customers lower costs and great opportunities to leverage business. With that in mind, they offer fairer rates when compared to traditional banks, making the alternatives much more attractive for those who need to take out a loan.

If you are still unsure about this issue, make a comparison. Through it, it will be possible to see how beneficial it will be for a company to apply for a loan in a marketplace.

4. Access to credit made easy

As we mentioned, in a credit marketplace it is investors who lend money to companies, so that they can improve their development. Thus, the bank’s participation no longer makes sense, and therefore, access to credit is facilitated, as the entire bureaucratic process is reduced, providing the entrepreneur with greater convenience when making his request.

Since it is not necessary for him to go to an institution, just access the platform to complete his final objective.

5. Transparency

Transparency is an indispensable feature in any negotiation, which is why the credit marketplace prioritizes it, as they need to earn the trust of their customers to enable them to raise funds.

In this sense, it is always important, when accessing the platform, to look for social evidence, that is, testimonials from customers who have already had experience with the tool. In addition, it is necessary that the processes are clear, in order not to give the person a chance to have two interpretations of the guidelines.

What care should be taken?

The most important thing before choosing the credit marketplace is to know the company’s reputation. Therefore, it needs to be transparent and always think about the user’s experience, offering him clear and objective information, in addition to being available to answer any doubts that will surely arise during the process.

The credit marketplace has revolutionized the financial market, not only because of the technology it offers, but also because it offers new opportunities to its customers so that it is possible to leverage business and improve the quality of life.

If this is what you are looking for for your business, contact us to learn more about the features of our platform.

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Why is targeted loan the best option? /why-is-targeted-loan-the-best-option/ /why-is-targeted-loan-the-best-option/#respond Mon, 13 Jan 2020 09:00:49 +0000

Do you want to take out a loan and have not been able to get it from traditional banks and financial institutions? This is the time to get to know the companies that make loan oriented. They are usually simpler, have an online platform and have customized credit options for different types of customers. Oriented loan companies work with personal and business loans, and most importantly, interest rates are lower than on bank services, and rates and terms are flexible.

Personal Loan

Personal Loan

It is common to become unstable at specific times, and unfortunately, banks may close their doors for you when that happens. If you need to pay off some debts, refinance some assets or want to invest in something personal, targeted loan is the best option. 

Oriented credit companies are looking for simple solutions, with lower rates and installments different from conventional banks. The ideal is that you make a financial diagnosis and discover the best way to get your loan, with a guarantee of some asset or without guarantee, for example.

Loan for your company

Loan for your company

If you want to get a loan to increase your company’s working capital, a targeted loan is also the right option. In addition to presenting different loan terms, the credit company will present correct ways to invest the money so that your business grows.

In this case, these institutes usually only make loans with collateral for individuals, but always with guidelines, and with interest and terms different from traditional banks.

How to choose?

Loan for your company

A platform that works with different lending solutions for individuals, loans for legal entities and financial diagnosis. The company fits into all the categories mentioned and have different solutions for each profile.

To simulate and hire the targeted loan you don’t even need to leave the house. The process can be done online, through the website. Just fill in what is requested step by step, according to your profile and your needs, or the needs of your business. In a short time, the consultants will give you feedback.

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Small loan with immediate payment /small-loan-with-immediate-payment/ /small-loan-with-immediate-payment/#respond Sun, 12 Jan 2020 08:25:15 +0000

For a small wish or, for example, a major repair, a small loan with an immediate payment is obvious at first glance, since it does not have to save big. This means that the money can simply be used to make a necessary and, above all, urgent purchase.

The peculiarity of the small loan with immediate disbursement is the immediate disbursement, which precludes a complex application process. And with the right security, it doesn’t have to be expensive. After all, the small loan is not intended to buy a house, but only a kitchen or new washing machines, TVs and so on.

Advantages through quick processing

Advantages through quick processing

Online lending is the magic word nowadays, because where no expensive branch networks have to be maintained, consumers can count on low prices. In the case of loans, these are the interest rates that are lower. and due to the small sum of the obligations, a default is also unlikely. A further discount on interest will then already be noticeable.

And with the instant disbursement of these loans, the purchase is simple and straightforward, even for the most urgent reasons. However, all required documents and evidence should already be available. So you don’t have to search for a long time and the small loan with immediate payment can be granted.

Flexible repayment or fixed repayment schedule

Flexible repayment or fixed repayment schedule

The online lenders are very often ready to make cheap or even free special payments, so that the loan amount can also be repaid unscheduled. But no matter how you decide, interest will accrue and are therefore the price for the immediate availability of the urgently needed capital. Who wants to sit on their debts forever? It is therefore advisable to replace an old loan with unreasonably high interest rates with a smaller one with a better interest rate and other conditions.

For this debt rescheduling, you should speak to a professional, since not every repayment plan can work with every type of loan. In any case, the quick availability of a small loan with immediate disbursement is the special factor that makes the necessary investments, repairs or new purchases affordable for everyone in every situation.

Reasons for a small loan with immediate payout

Reasons for a small loan with immediate payout

There are two reasons for this form of loan: Firstly, the comparatively small amount of the loan enables donors to insist on less collateral and the immediate disbursement can thus be used to finance really urgent matters. After accidents or damage to property, insurance money cannot always be expected immediately, but good advice is expensive if clothing or a vehicle needs to be replaced.

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Payday loan: how to choose the best option? /payday-loan-how-to-choose-the-best-option/ /payday-loan-how-to-choose-the-best-option/#respond Wed, 25 Dec 2019 08:24:43 +0000


Retired or pensioner, you are convinced that taking out a payday loan is the best option at the moment, but you have not yet defined which institution you will apply for this credit, right? We are here to help you!

There are countless institutions that offer the payday loan. It is undoubtedly the best loan option because it tends to have the lowest interest rates on the market .

5 points to analyze before choosing the best payday loan

5 points to analyze before choosing the best payroll loan

Choose the best payday loan, it is necessary to note some points. We brought in this article 5 of them to pay attention and make the best decision!

1. Compare interest rates on payday loan offered by banks and finance companies

1. Compare interest rates on payroll loan offered by banks and finance companies

Both banks and finance companies offer payday loans to retirees and pensioners, but although the process is the same, interest rates can vary widely depending on where to apply for credit.

Therefore, to choose the best option, the ideal is to compare these interest rates. Only then can you be sure which institution will offer your loan at the lowest cost.

2. Assess which payday loan option offers the most convenience

2. Assess which payroll loan option offers the most convenience

The best payday loan is certainly the one that offers the most convenience, right? If this advantage is a priority for you, choose an option that grants the loan via digital .

Institutions tend to pay only by means of a physical contract, by post or by e-mail, which makes the process difficult and time-consuming until the money is released.

Lender is the only option where you will have the payday loan much faster and without leaving your home, doing the entire process over the internet. ?

3. Analyze which institution will offer you the most benefits

3. Analyze which institution will offer you the most benefits

In addition to the payday loan, it is important to analyze whether the institution offers more benefits that may interest you. For example, the digital payroll card. This is an extra that can help you a lot, depending on the reason why you want the credit.

The amount of payroll-deductible loans can be up to 35% of the benefit. With the digital consigned card, you have the possibility to use 5% for the payment of credit card debts or for withdrawal . That is, an extra facility to use your credit. Therefore, choose the institution that offers this type of benefit.

4. Check the testimonials of customers who have already taken out a payday loan

4. Check the testimonials of customers who have already taken out a payroll loan

To be sure when choosing the best payday loan, also consider the testimonials from customers who have already contracted this type of credit with the institution. Give preference to the option that has good comments and whose customers were satisfied with the service.

5. Explore the website

5. Explore the website

Unlike all other financial companies in the market, it is the only one that makes digital payday loans . It is also the only one that offers payroll deducted cards and withdrawals from the payroll deducted card online . That is, there are many benefits to consider before making a decision.

Therefore, we suggest that you explore the website a lot, analyzing all the content and all the advantages of contracting your payday loans with us.

To increase your peace of mind when choosing the best option, we offer the payday loan Simulator. In it, you can simulate your loan quickly and easily and, thus, know if you have credit available to settle your debts and have more financial control.

Did you know that you can instantly know when you have payroll deductible loans?

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7 advantages that online loan offers /7-advantages-that-online-loan-offers/ /7-advantages-that-online-loan-offers/#respond Wed, 27 Nov 2019 08:08:24 +0000

Forget it, you no longer need to organize and set aside a few hours of your day to go to the bank to apply for a loan. Currently, hiring an online loan is easy and can be a good option to get out of debt safely, especially in the face of economic uncertainties in our country.

Advantages of online loan

Advantages of online loan

See some advantages of taking a loan over the internet

1. Without leaving home

1. Without leaving home

Even if you need a loan, are you out of time to go to the bank? The online loan is entirely done over the internet. With this facility, you can switch bank lines from the comfort of your desktop and have enough time to search for companies that offer credit over the internet.

2. Little bureaucracy

Everyone knows that borrowing money from banks can take days, after all, it is necessary to fill some papers and wait for the credit analysis, before being able, or not, to get the desired amount.

In the case of online loan, the procedures are simple and not bureaucratic. You do the simulation over the internet, send the documents through the computer and receive the answer in a few hours.

3. Can compare

2. Little bureaucracy

We have already mentioned this facility, but it is worth noting that, unlike banks, you can compare the interest rates of different institutions in your home, during work breaks or even on the way home.

The online loan allows you to do research and compare the benefits that each company offers in a few minutes by computer.

4. Easy access to credit

One of the biggest benefits of this type of loan is the easy access to credit. While banks are extremely demanding with loans, especially personal loans, online credit institutions approve and release loans more easily, especially if it is done with the guarantee of some asset.

5. Transparency

5. Transparency

No need to worry, online lending platforms are reliable and secure, there are several digital certificates to confirm this, you can carry out the requested procedures (simulation, credit analysis, etc.) without worry. Best of all, you have no extra hiring costs.

6. More credit options


You may not know it, but there are different loan sites online. And even if you are negative, you can get a loan from one of them.

Before choosing the best company, look for a reliable website and get referrals from someone who has already done the procedure over the internet.

7. Ideal for emergencies 

7. Ideal for emergencies 

As much as you plan, it is impossible to predict certain emergencies. An advantage of online loan, in most cases the release of credit is done quickly. So, if you need the value for an emergency, don’t hesitate to choose this option.

Before looking for an institution, organize your debts in order of priority and then do a simulation on the website. If you still have any questions, ask one of our specialists.

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