Some entities have taken advantage of the movement of the European Central Bank (ECB) to make its products more expensive. In the case of personal loans, interest rates have risen, leaving little choice for those who need credit in times of increased spending and rising prices. However, there are still entities that keep the conditions of their showcase intact.
One of them is INGwhich offers a loan with which it gives from 6,000 euros to 60,000 euros with an APR from 4,06%. Of course, the interest will vary depending on your economic situation of the applicant, with which it can exceed the 11% based on personal and financial data and the bank’s internal policy.
It does not require direct debit payroll or be a bank customer. Nor does it have any type of commission, neither for opening, nor for study or for total or partial early amortization. In addition, you can request and process completely online.
WiZink offers up to 30,000 euros without commission of any kind. Nor does it make it a condition to change banks or any relationship with the entity contracting additional products. Your interest rate ranges from 4,59% APR, which can become more expensive up to 8,3% depending on the purpose. An important point to keep in mind is that it does not allow financing the purchase of a car.
Finally, the loans You trust finance up to 60,000 euros with an interest of 5,06% APR. It does not require affiliation and does not have an opening or study commission. But in this case it does have a commission for early cancellation: 0.5% if the remaining term is less than one year and 1% if there is more than one year left.
What is more interesting, request a loan from a bank or do it through financial credit establishments (EFC)? As explained by experts from the financial comparator HelpMyCash, bank personal loans They are interesting if you are looking for high amounts for large projects, do not need the money so quickly and do not mind going through a stricter approval process in exchange for a very competitive interest. Instead, interested request it through the EFC to those who do not want to change banks or contract additional products, to people accustomed to 100% online application processes and self-employed or retired, since they do not require direct payroll, although they do show income.