Don’t get carried away with overpriced credit without looking at the fixed APR rate. And avoid paying more than 1000 USD more for a 100% identical credit, as it can happen too often. Our goal is to offer real cheap credit: one for which a positive opinion at the best rate is offered.
Credit too expensive, how to know?
To avoid ending up with an overpriced credit, you must first look at the APR rate. Our credit comparator classifies the different loan offers only on this legal basis, from the cheapest to the most expensive credit. We regularly raise all the rates of the largest credit organizations.
Here are the consumer credit solutions we offer:
- Personal loan
- Works loan
- Auto Credit
- Redemption of credits
- Demand less than or equal to the 4000 USD credit: the best revolving credit offers.
On our comparator, you will only find revolving credit for a need of 4000 USD or less. It must be said that it is below this limit that revolving credit rates are sometimes cheaper than those of depreciable credit. We could not tell you to avoid too expensive credit without directing you to the cheapest credit depending on the amount you need for your project.
At the same time, the most important thing when applying for credit is to be accepted and get your money. But how do you find the cheapest credit you will be accepted for? We will see it later.
What you should know is that we have developed an exclusive service to get a real cheap loan. Indeed, at the end of our questionnaire, not only will you get the ranking of the best rates, but in addition you will benefit from a non-binding evaluation of your file. The organization offering the best rate therefore provides immediate credit advice.
So you will know if you can actually get the cheapest credit. This will also allow you to consult the organization that offers the second best rate and the third best rate in one click if you consider it necessary. This technique will allow you to avoid marketing pitfalls and overpriced credit.
How much is too expensive credit?
We have made the calculations for you, too expensive credit can cost you up to 1000 USD more on average. The amount obviously depends on the initial amount. The more credit, the more significant the differences will be. Example of too expensive credit through a car loan 15,000 USD over 60 months.
|New car loan $ 15,000 over 60 months||Fixed APR rate||Monthly fees||Total cost of credit|
|Cheapest credit||2.80%||267.96 $||1077.60 $|
|Second organism||3.20%||287.37 $||2242.20 $|
|Third body||3.55%||272.83 $||1369.80 $|
|Most expensive credit||5.77%||287.37 $||2242.20 $|
How to get the cheapest credit?
To simplify your life and help you avoid overpriced credit, we have developed a questionnaire that will make your life easier. You will only have to enter our questionnaire once and you will get the classification of the 3 cheapest offers in all transparency, our classification is based on the legal rate TAEG. To multiply the chances of obtaining a cheap credit, you can choose to file a file with these 3 organizations in 1 click, we will take care of the rest.
Why is it more prudent to submit multiple files?
Sometimes the credit agencies offer really cheap credits, but will only accept the best files. If you only file one file, you may not get your credit at all. Do not hesitate to select several offers.