Borrowing money quickly and easily is much more important than most people suspect.
The monthly charges can vary greatly depending on the amount of the loan and the interest rate. Research from independer.nl has shown that there are substantial costs and interest rate differences between the providers of money loans. The traditional banks appear to apply much higher interest rates and set higher requirements than the so-called price fighters. Interest rate differences of many thousands of euros on an annual basis (so hundreds of euros per month) are no exception! You may not think about it, but do you know, for example, what the interest rate is on your current loan? Probably not, but it could easily be 8.4% (ABN AMRO level).
However, you could refinance your loan for 6.4%. For a loan amount of, for example, € 50,000, this already makes a difference of € 83.33 net per month. It just pays to make a comparison between the different providers and to pay close attention to the offers. Please go, but imagine: you want to buy a car of around € 20,000. Will you then go blindly directly to the first dealer, even if it is your home dealer? No, you first look at all kinds of car supply or demand websites, go to a few showrooms, compare the cars themselves, compare the service and the prices and ultimately also negotiate the price. Why wouldn’t you do that with a loan? Save and borrow cheaply!
Is there such a thing as borrowing money quickly and easily?
Mini loans are popular because one can borrow without BKR testing. And since the new rules are in force it can even be “dirt cheap”. But there is a snag and you will see that if you are late in paying back the loan. Is what you were looking for quickly and easily borrowing money.
Each of us is familiar with it: just a week before the end of the month you are just not coming out with the finances, or you have just discovered a very attractive offer for a plasma television, for example, but you do not have the € 500 left over. Personal loans are usually taken out as standard for higher amounts from a minimum of € 2500. However, in order to offer a fast and efficient solution for temporary shortages, a so-called advance loan or mini loan has been invented: a short-term loan of a maximum of € 750 where a minimum of paperwork and communication is required place and you can have the amount in your account within 10 minutes.