There are moments in the lives of many people who, due to different circumstances, need to apply for a personal loan . Either due to a momentary lack of liquidity, to face an unforeseen expense or to buy an expensive good that goes out of the monthly budget, many are the Spaniards who resort to these financial products.
Once the decision to apply is made, one of the key moments comes: knowing how to identify which are the best personal loans . If you are in this situation, you may think that the most comfortable thing is to ask for it at the bank where you have your checking account, but do not make the decision lightly because you may end up paying more and not being as easy as you think. Before choosing where to apply it suits youTake into account the following factors.
How to choose the best personal loans in a bank
- Commissions. From the moment you request a loan from a bank, you will have to pay commissions. If they finally grant it to you, you will have to face the study commission for the time that the bank has spent checking your creditworthiness. Then the opening commission arrives and if during the time you are paying you want to make a modification of the conditions or pay in advance and thus finish before you will also have to pay. That is why the best personal loans are those that do not charge you any commission.
- Custom . Many entities offer their clients loans with certain conditions regardless of the situation of their finances or what they need at that time. A good personal loan is one in which the profile of each person is studied and an individualized product is offered.
- Immediacy There are times when we get an unforeseen expense that we have to face almost overnight, and there is no time to lose while the bank thinks whether or not to grant you the credit. On the contrary, in the best personal loans the decision to grant is immediate.
- Ease. And continuing with the importance of not wasting time, before deciding on a loan, keep in mind that you do not need to do complex procedures. Many banks require long paperwork, submit documentation, etc. What complicates the process.
- Credit history Banks ask their customers for a good credit history and not be on the Asnef list. Although the best personal loans also take into account whether or not the applicants are in the delinquent listings, the presence in these files is not a reason to deny you a credit.
- Linked Products Banks may require their clients to hire another of their products, such as insurance, in exchange for granting a loan. It is better that you decide for a loan that does not carry this obligation.
The best personal loans online
The personal loans offered by Monedo Now do not entail the obligation to contract other financial products and being in Asnef is not a reason to reject an application. You can also get between 750 and 5,000 euros in just a few minutes after filling out a simple application that will allow you to have an individualized product. As you can see, Currency Now meets the factors of the best personalized loans.