Evolution of loan interest rates – Car and vehicle loan

In the monthly comparison, October 2019 vs. September 2019, the revolving credit card went from 307.83% to 317.24% per year. With this, in a loan of $ 10,000, interest in the first month rose $ 21.39. The fall in the rate of non-payroll-deductible personal loans represented a reduction of $ 59.18 to a credit of $ 10,000. Futher reading at http://www.antiquestoveassoc.org/bad-credit-score-car-loans-need-an-auto-car-loan-for-bad-credit-no-worries/

In the table below, we show the annual comparison of the rates. Five of the eight modalities showed a drop in rates, the most significant being Non-Payroll-deductible Personal Loans.

In the chart below, you can see the significant difference between the modal spreads. Those of the modalities that present collateral to the lender are much lower.


Credit Card Revolving

Credit Card Revolving

Until mid-2017, the revolving credit card rate was significantly higher than the overdraft rate, but now, with the significant drop after the new credit card rules took effect, it has moved to a lower level.

However, in recent months, these rates have returned to an upward trajectory and, this month, staying above even the overdraft rate.


Unsecured Personal Loans

Unsecured Personal Loans

Non-payroll-deductible personal loan rates are much lower than those charged on overdraft and revolving cards. With this, this type of loan becomes interesting for those who are heavily indebted and can not get money in cheaper, but less affordable modalities like payroll loans.

Remember, as interest rates vary greatly from one bank to another, it is important to research the rates offered so that you can find the lowest possible.


Credit Card Installment

Credit Card Installment

In the case of card installments, the interest rate and spread remain at a very high level, with both the rate and spread hitting the all-time high this month.


Vehicle Financing

Vehicle Financing

This is a different type of credit than the previous ones, as it involves a guarantee, which is the financed vehicle itself. And because there is a collateral involved, the interest rates on this type of loan tend to be much lower.

From the graph, you can clearly see that rates remain significantly lower than at the beginning of the series. One explanation for this phenomenon is that the entire process of seeking and seizing the vehicle in the event of default (when the borrower fails to repay the financing) has become more agile and somewhat less costly for financial institutions.

With this, this lower cost is also reflected in the spread charged. Another explanation may be related to increased requirements and more rigorous credit analysis, so that loans with higher default risk (and therefore higher interest rates) are no longer granted.

This month, the average rate was only 0.19 percentage points above the historical low recorded in June 2013.


Payroll Loans

Payroll Loans

In a way, this is also a form of secured credit, as the installment is discounted directly from the payroll, not even entering the debtor’s bank account. Goodwell Bank data is opened in 3 types of payroll loans, namely:

  • Payroll deductible loans to private sector workers
  • Payroll-deductible personal loans to public sector workers
  • Payroll-deductible loans to INSS retirees and pensioners

As we can see in the next three graphs, INSS credit rates for civil servants and pensioners and retirees are lower than those for private-sector workers.

Again, the explanation is related to the risk presented by each type of customer. The private sector worker has the possibility of being dismissed, unlike the public servant, so there is a greater likelihood of becoming delinquent since when dismissed, the payroll will no longer occur.

Although the company may discount 35% of the termination amount to repay or repay the debt and a new interest rate is expected to be negotiated, the risk of default is higher and this is reflected in a higher interest rate.

In the case of payroll-deductible loan rates for the public sector and the INSS, both reached historic lows this month.



With interest rates on overdraft and credit card revolving at absurdly high levels, it is absolutely impossible to incur debt in these ways. For those who are owing money on these types of loans, they need to get out as soon as possible, either by selling a good or by borrowing money at a lower interest rate.

For those who have access to payroll loans, this is one of the forms of credit with reasonably low interest rates. Another possibility, for those who have a car (already settled) and can not give up owning one, is to sell it to be able to pay at least part of the debt and finance the purchase of another.

Obviously, the idea here is, as far as possible, to get a car cheaper than the previous one, after all, we are talking about a person who already has a tight budget.


Loans Despite RKI – Read more about your loan options here.

c is a popular search on the web. This is mainly due to the fact that many people who are registered in rki want to borrow. Once you have been registered in rki, it is virtually impossible to borrow money. You get registered in rki if you have unpaid debt.

And that’s why it’s often a vicious cycle. You have fallen behind with your bills and therefore want to borrow new loans to borrow them. But this puts an end to rki. Once registered here, you cannot apply for new loans. Read more on the site here about the possibilities for loans despite rki.

Unfortunately, borrowing money despite rki is not an option

Unfortunately, borrowing money despite rki is not an option

As a consumer, it can be frustrating that you can no longer be allowed to borrow money. But for the creditors, it must be said that rki is an incredibly efficient system. The creditors, of course, want to get back the money they lend. Therefore, rki helps the creditors not to lend money to bad payers.

If you get registered in rki, your loan options stop. And so one should not take it easy to register here. It can close many doors for one in the future. Maybe you want a car loan or a deposit loan at a later date. If you have ended up in rki, you will no longer be able to do this.

Loans despite rki are as good as impossible. RKI is an incredibly effective system that prevents poor payers from borrowing more money. As a consumer, it is not as nice to be labeled as poor payer. But it is also not nice for creditors if the consumer does not pay his debt.

It can be despairing as a consumer that you have been registered in rki and thus have no opportunity to borrow new loans. But you can also say that rki actually helps the consumer not to end up in an even bigger and incalculable debt. In any case, rki is a system that has come to stay and you have to take it seriously if you are registered here.

quick loans despite rki


Unfortunately, borrowing despite rki is not an option. Nor in the form of a quick loan despite rki. Typically, a quick loan is easier to get than a bank loan, since there are less stringent requirements to get a quick loan. But once you have been registered in rki, your loan options have been stopped.

When applying for a quick loan, a credit rating is made by the loan applicant. And when the loan provider sees that the applicant is registered in rki, they are not interested in lending money to the applicant. Non-performing loans, therefore, are not an option either.

sms loan despite rki

sms loan despite rki

Loans despite rki are not possible, even with a sms loan. Once you have fallen behind with your bills, you may be inclined to apply for new loans to pay off your debt. That is why many people search for sms loans despite rki. It is definitely not recommended to take out new loans if you already have loans that you cannot pay. And so it is also not an opportunity to get a sms loan despite rki. Once registered in rki, it is virtually impossible to borrow money anywhere.

loans with rki

loans with rki

Loans despite RKI, is something many people are looking for. This means that many people are looking for loans that you can apply for, despite being registered with RKI. There can be many reasons why one has ended up in RKI. And if you first register here, you will find that your ability to borrow new loans has been closed. It can be really unfortunate if you want to borrow for a car or a house later in life.

Therefore, you must take it very seriously if you get warnings that you will be registered in RKI. Many also want to take out new small loans despite RKI to pay off their already existing loans. It is definitely not advisable to take out new loans if you already have loans that you cannot pay. Unfortunately, many people end up in a nasty debt trap and it can be very difficult to get out of such a debt again.

Loans Despite RKI – Free Loans

Loans Despite RKI - Free Loans

Loans despite rki are not possible. Maybe you have heard of free loans where you can actually borrow money free of charge for 30 days with an interest free loan? Unfortunately, it is also not possible to get a free loan, or even cheap loan if you are registered in rki. There are a lot of loan providers in the market, who naturally want to lend money.

However, once you have been registered with rki, they are no longer interested in lending you money. The loan providers’ interest, of course, is to get their money back, which is why they do not want to lend you money if you are in rki. If you are looking for a loan despite rki where you can borrow money for free, you must unfortunately acknowledge that this is not possible.


Loan for moving – Compare online for free

Moving not only costs energy, but also money. Furniture forwarders have to be paid just like conversions and renovations. A simple loan can help.

Moving can be really expensive. The costs that have to be borne are high. Especially when transport abroad or to a distant city is necessary, costs in the four-digit range will be necessary. Not to mention the effort. At the same time, the deposit must be paid, which includes three basic rents. In addition, moving helpers are necessary, the renovation of the new apartment is just as pending as the old apartment has to be painted and left in its original condition. The associated expenses grow and grow. If there is not enough equity available, a loan will help. It was not uncommon for months to find the right apartment and then the move must be carried out quickly. A loan is necessary to get the necessary capital.

The instant loan: fast and flexible

The instant loan: fast and flexible

The instant loan is probably the most sensible option. It can be recorded quickly, flexibly and easily. The advantages that an instant move loan can offer are almost perfect for a move. If the move has to be carried out within a week, there is little time to fill in eternally long credit forms and wait for a response from the bank. An immediate loan is transferred to your own account within two working days from the application until payment is made. Advantages that are extremely important before moving.

Find the cheapest interest rate

Find the cheapest interest rate

Finding a cheap interest rate is not necessarily difficult. It makes sense to work with a comparison system. Comparison systems offer the privilege of independence. No credit provider is in the foreground, only the performance of individual credit providers is essential. This service is compared to the price ratio, which means that the consumer can view the comparatively cheapest tariff and start immediately. In the case of an immediate loan for moving, the application is made exclusively via the Internet and by post. As a result, an instant loan offers an extremely quick procedure. If your creditworthiness permits, you can also take out residual debt insurance. This not only calms the conscience of the lender, but also that of the borrower.

Applying for loans through capital lender is easy. An online loan application is sufficient to address both banks and private investors at a serious level. Of course, the borrower decides who gets the loan.


Deposit Loans »Get an overview of our deposit loans here

Are you in a situation where you have been offered the perfect rental home but lack the money to pay for the deposit? It’s a dull situation to stand in, but you can happily do something about it.

At the Loan and Credit, there is help available so you don’t have to say no to this great opportunity. If you read further, we will discuss how to take out a deposit loan, a loan for a deposit or a loan for something completely third. You have endless opportunities with the Loan and Credit!

What is a deposit?

What is a deposit?

A deposit is the amount you pay to the landlord when you move in somewhere. The money will go toward repairing the lease, should you ever move out again.

So when you rent a home, you typically pay a deposit. The amount is called a housing deposit if it is a non-profit housing company and a deposit if it is a non-profit housing company. The size of a deposit varies, but typically it is somewhere between USD 12,000-35,000. The size of the deposit usually depends on the size of the rent, as it is usually between 1-3 months rent.

It can be a challenge to pay such a large amount with a short time notice, and therefore you may need to apply for a loan for a deposit, ie a deposit loan, or a loan for a deposit, depending on the housing company you are in contact with. . Below we will discuss the different financing options for a mortgage loan, where we look at what you can do – whether the housing company is non-profit or not.

No need to refuse – take out a mortgage loan and move in quickly

No need to refuse - take out a mortgage loan and move in quickly

It is a pity to have to refuse an offer that you really want to accept. The housing market is already hard to come by, which is why it is important to strike when the good deals are on offer. Thus, if you are in a situation where you lack financial assistance to secure your dream home, you can thus advantageously strengthen your financial impact with a mortgage loan.

You have several different financing options if you are looking for a mortgage loan. If you do not want to take out a deposit loan from friends or family, you can go to the bank as you can borrow for the deposit there. You just need to know that going to the bank to apply for a loan loan can be a slow process. First you have to assess your financial situation and then you have to submit a lot of documentation. After that, you will need to be rated and this may take a while.

Borrowing from the bank is usually a little cheaper than the other options, but so is its price. If you have to hit right now and here, which is most often the case with rental housing, especially in metropolitan areas, the application process for a mortgage loan should not hurt your chances of moving into the dream home.

If the bank’s application process is too slow, you can also just find the deposit loan through an online credit institution. Here things go much faster and you can even have the money right away, which is the case with us, the Loan and Credit. We will pay out as soon as your application is approved. That way you can turn on right away. It is slightly more expensive, but you are guaranteed the dream home because you can hit it right away.

Loan for deposit

Loan for deposit

In the case of a non-profit rental home, the same financing options apply as with the mortgage loan. Unfortunately, the conditions are the same, regardless of whether the housing is non-profit or not, as demand is massive in the big cities. One must strike when the dream home offers itself.

If you have to borrow for a deposit, you can go through the bank, however with the same reservations as before. It takes longer and you are left to your bank advisor’s schedule, which can be critical if the landlord wants the deposit on the day.

At Loan and Credit you still have the same options as mentioned before, where you can borrow for the deposit. You get an answer to your application right away and the money comes into your account right away – why wait?


Electric car loan, the best rate for the environment

The environmental issue concerns more and more people and in particular those who wish to acquire an electric car. But today what are the solutions to offer it quickly and at a lower cost? Apart from all the aid, can we make an electric car loan? Yes, but provided you take advantage of the best rate. Because there is no electric car loan as such. And when they exist, it is limited to a marketing way of presenting a car loan labeled “electric vehicle”.

To get the best rate for electric car credit, nothing could be simpler: we compare all the offers of the largest credit organizations. In addition, it will be possible to obtain a non-binding appraisal from the cheapest credit organization to find out whether it is actually possible to obtain the best electric car loan.

We will also detail in this article all the other borrowing possibilities but also all the financial aid that it is possible to obtain.

Electric car credit: get the best rate

Electric car credit: get the best rate

To find the lowest rate electric car credit on the internet, going through a credit comparison is the fastest and most advantageous option. Because on Capitaine Crédit, you will only have to fill in one questionnaire. We also give the possibility of choosing the three best offers of our ranking in one click in order to increase the chances of acceptance of the electric car credit. You will have to provide proof of purchase of the vehicle to add to the electric car credit file in case of agreement in principle from one of our partner organizations.

It is quite possible to buy the car without contribution to get the loan because as we will see, to lower the overall price, the old vehicle is often the subject of a special recovery.

Save on electric car credit

Save on electric car credit

An example of comparison will encourage the most reluctant to understand the interest of using a credit comparator before taking out an electric car loan.

An electric car has an average price of $ 20,000, bonus deducted. So let’s take an example of a car loan in the amount of $ 20,000 to be repaid in 60 monthly installments:

  • Lowest rate: 3.51% Monthly payment: $ 363.43 Cost of electric car loan: $ 1,805.80
  • Highest rate: 7.56% Monthly payment: $ 398.96 Cost of electric car credit: $ 3,937.60

More than $ 2,000 difference between the first and the last offer in our ranking for exactly the same electric car credit. And the most expensive organization when we carried out this survey is far from being the least known…

Electric car loan: the alternatives

Electric car loan: the alternatives

The electric car loan in concession

Many credit offers are made by dealers throughout the year, as can be seen regularly in TV commercials. At first glance, they seem to benefit from the best offer. But beware, because some often hide obligations to be respected, such as a very short repayment term or compulsory insurance not always useful but which remains expensive.

The best thing to do to take advantage of the best electric car loan offer in dealerships is to keep yourself informed by checking all the conditions of the loan offer (monthly payments, additional insurance included, options of the car covered by the credit, etc.). ). But above all, do not neglect the possibility of negotiating. For more information, read our article auto loan at 0% APR fixed rate.

Banking is also a good option

An electric car loan can just as easily be obtained from his bank. For this, it will still be necessary to have a good professional and financial situation to hope to have an agreement from the bank. And even in this case, going through a comparator will make it possible to have a first agreement in principle with a specialized organization offering a very attractive rate.

Getting a first new car credit agreement at the best rate on the web will help prepare for negotiation with the banker. Either it does better, or you already have the best deal in your hands.

Aid for the purchase of an electric car

Aid for the purchase of an electric car

With the aim of preserving the environment and reducing the cost of purchasing an electric vehicle, numerous aids have emerged to encourage the French to cross the threshold of the electric car. Find out about the assistance you need before getting into an electric car loan to be sure of the total amount to borrow.

Regarding the purchase of a used electric car, certain organizations offer specific used car loans.

The ecological bonus up to $ 6,300

It consists in rewarding the purchasers of new cars emitting very little CO2 and conversely, it penalizes the purchase of excessively polluting vehicles. This bonus which can go up to $ 6,300 (CO2 emission <20g), in particular for electric cars, will in most cases be directly deducted by the seller when purchasing the vehicle (as seen in the example). Please note, because this aid cannot, however, exceed 27% of the total cost of the car purchased including tax. 

The super bonus of up to $ 10,000 (ecological bonus included)

This aid, additional to the ecological bonus, allows for the replacement of a diesel vehicle over 10 years old by an electric car to benefit from a conversion premium of up to $ 3,700. Bringing the total premium to a maximum of $ 10,000. 

Tax credit up to 30% for the installation of a charging station

There is one last national aid for the installation of charging stations at home (no impact of the amount of the credit car electric car). More particularly in favor of carrying out energy improvement works for private dwellings. The percentage of the tax credit obtained will then be deducted from income taxes, the year following the installation work.

Regional aid

There are also local aids, and to find out about them and benefit from them, we invite you to visit the website for your region or to inquire directly with your town hall, prefecture or regional hotel.

Some insurances also lower their costs

Some insurers have decided to go in the direction of the state by offering more attractive rates for buyers of electric cars. Refer to your insurance to find out if the latter gives the right to a reduction in the cost of insurance, following the purchase of an electric car.


Loan for a year up to USD 300,000 immediately on account with monthly payments

A short-term loan may come in handy before a payday when an appliance is angry with us or when we have to pay a deposit for a new rental. In many cases these loans do not solve anything, because after 30 days we have to refund the whole amount, so we will miss it again.

Anyone who drew this service knows it’s true. An interesting alternative is a loan for one year, which does not burden us with monthly repayment and therefore we will have money for running the household.

Loan 10,000 USD per year

Loan 10,000 USD per year

Pensioners, mothers on maternity leave and / or students usually cannot afford long-term borrowing because the provider immediately refuses it because of low income.

However, if the amount is up to USD 10,000, it is no problem to ask for money directly. After all, the monthly payment will not exceed USD 1,000, which is not a great burden for the mother on maternity or disability pensioner.

Non-bank loan for up to USD 300,000 per year

Non-bank loan for up to USD 300,000 per year

You need a large sum of hundreds of thousands, but you don’t want to repay it for several years? Borrow 300,000 dollars for 12 months. Although the monthly payment will be high, the subsequent payment of the entire amount will only take a year.

Beware, this loan is definitely not for everyone, but only for those who have a sufficiently large and stable income. They can be entrepreneurs who use money for an investment opportunity or a manager of a well-paid company who intends to reconstruct an apartment.

Loan for the year – Caution first

If you are considering any loan or loan, do not rush the process too much. It is no harm to consult your family or friends. Visit your bank first and then look for a non-bank loan. Never sign anything that you are not familiar with.

If you are unclear about the loan agreement, don’t be afraid to contact independent consultants who will be happy to advise you free of charge. Interesting tips from the world of finance can be found on the financial portal.

Benefits of loans for the year

  • the possibility of monthly payments
  • no hidden cartoons
  • free early repayment
  • lower load

Disadvantages of loans for the year

  • the loan only to bank account
  • monthly payment may jeopardize the operation of the household
  • problem with job loss

Loan Money Without Security

Lite lending company give you an understanding of what a secured loan is here. We also tell you what it means for you not to provide collateral for your loan.

Over the past few years, the type of loan has gained more and more interest among people who prefer a single loan. We do not think it has no reason.

What is a secured loan?

What is a secured loan?

The term “loan money without collateral” covers loans where collateral is not provided to be sold in the form of, for example, a mortgage on a house, car, securities or personal valuables. However, we also see that designation; Mortgages without collateral are still widely used.

You can typically get a loan without collateral faster than if you were to provide collateral. The paperwork associated with an unsecured loan is much less extensive than when you or your guarantor have to provide security for the money. A fast, unsecured loan is typically lower than you can get with today’s notice.

The loan is thus easy, fast and easy to understand. It has also been regulated by law over the past few years. This means that there is now greater transparency in relation to interest rate and fee terms.

Why You Should Take A Loan Without Security

Why You Should Take A Loan Without Security

An unsecured mortgage can be ideal if major, unforeseen expenses occur. It typically happens when you least expect it. If, for example, you are in urgent need to visit your dentist or replace the washing machine, a quick loan with no security can be a good alternative to borrowing money from the bank.

When you borrow money from the bank or need to have a cash credit, it is typically necessary to have a meeting with your bank advisor. This prolongs the process and therefore it can take many days before you have the money in your account.

Many people do not have the opportunity to provide a loan. If you do not own a house, car or other easily transferable assets, you are in the same situation as many others. Therefore, the type of loan has become a welcome alternative to classic loans in the bank.

Lite lending company give you a quick and smooth process

Lite lending company give you a quick and smooth process

At Lite lending company you can get the money paid right away once your application has been approved.

We allow you to raise anything from USD 5000-25,000 regardless of the amount, the process can be done online using NemID. You will receive an answer to your application after a very short time and the money will typically be in your bank account on the same day. It’s both easy, fast and clear.

The repayment on our loan typically starts the month after you receive the money. At Lite lending company, we give you the opportunity to customize your payment yourself. We are very flexible and let the payment be made based on your finances.