1. Re-credit Quick Credit – Pay up to 80% less
If you have several “quick” loans, it will be more beneficial for you to combine all the small loans into one consumer loan, as the interest rate will drop significantly (for example from 60% per annum to 15%). This will allow you not to overpay large amounts to the creditor and extend the repayment term.
2. In the application, please indicate your additional income
Additional income information is an important factor when considering your loan application. The credit commission will necessarily take this into account when making its final loan decision. Use this opportunity to get a positive response from the creditor.
3. Guarantor Loan – A popular and effective way to get a loan
In most cases, getting a guarantor will facilitate a positive consideration of your credit application. Another major benefit with a guarantor is the approved loan amount, which will be much higher than the approved amount per borrower. You can also count on much more favorable terms in terms of interest.
4. Mortgage Loan – Unlimited with the lowest interest rates (from 2.9% pa)
This is the most advantageous way to get the amount of credit you need.
The review process is loyal and fully transparent to the customer. It is because of the low interest that many call this loan “free money” that the overpayment will eventually be minimal. This lending industry is a completely safe pleasure for the customer as the creditor must necessarily have a special license issued by the CRPC.
5. Loan against your car collateral
Your car is great for securing the necessary conditions for your next loan. In this case, you can count on much more loyal and favorable terms when considering your loan application.
6. Clear your overdue debts – Make your credit history positive
Typically, one late credit payment or unpaid phone bill can adversely affect your credit history. Make sure you have similar unpaid bills and try to pay them. As a result, the amount available and credit terms for you will improve several times.
7. Increase Official Income – Higher Official Salary = Higher Loan Amount
The decision to get a loan is based on your official income. Lenders cannot approve a loan for you if your salary does not cover your required monthly expenses + the payment of the loan itself. A way out of this situation may be to ask your employer to increase your official salary. Here too, setting up an additional job with part-time employment and official income can help.