Find out how to get an easy loan over the internet

Throughout our lives we are faced with some situations that make us not close all accounts at the end of the month. A stactic to not allow the debts multiply because of interest, get an easy loan on the internet presents itself as a possibility. In addition to being able to transparently compare the various offers, you get the lowest rates on the market if you do a good search of interest rates.
But, do you know how to get an easy loan over the internet? Read on and discover actions to make your online loan easier!


Compare available options

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A key action when making your loan online is to analyze the options available in the market. After all, because it is a relatively new type of loan, many institutions differ in the way they offer this service. Therefore, it is necessary to analyze all available offers.

Analyze points such as interest rate and amortization, requirements for the loan, payment terms, speed of the process, among others that help you to be sure you are closing a good deal. A tool that facilitates this work is the loan comparator of Good Lenders , which can be consulted on the website or via application.


Check interest rates

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Interest and amortization rates, as previously mentioned, must be analyzed with great care and discretion. After all, the excess money charged by the institution, the interest, can make the debt much more expensive. In addition, other fees may be charged, such as signing the loan, for example. Analyze which financial institutions charge the lowest amount possible in fees, as well as those that have the lowest number of fees to be charged. An easy loan over the internet is one that does not offer any obstacles to be made.


Read all requirements, rules and commitments

Read all requirements, rules and commitments

There are a wide variety of easy loan options on the internet today, so careful analysis of each of the available modalities is necessary. Access the website of the financial institution and carefully read all the requirements, rules and commitments in order to understand all the important points of the contract and choose the option that best suits you. See, for example, how long the money will be in your account.


Check out the institution’s reputation


Analyzing the reputation of the financial institution offering the loan is an indispensable attitude. After all, what is offered does not always make clear all the details of the contract. Problems such as a progressive increase in interest rates and difficulties in payment terms can cause headaches.

Access customer service portals available on the internet and keep an eye on the company’s social networks, which, with technological advances, have become a major channel for customer complaints and manifestations, making it easier to get an easy loan over the internet.

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Many Brazilians are going to take out a loan to get out of the crisis. Check out!

Discover surefire tips to get through the crisis Life as we knew it before March 2020 has changed dramatically. Almost every country in the world faces a severe pandemic due to the Coronavirus, a disease caused by exposure to COVID-19, a virus that causes respiratory infections. With the imminent collapse of the single healthcare system, our economy is also in danger. Many think of taking out a loan for a greater breath in this atypical time.

In February 2020, Across Lender Group released an unprecedented survey of almost 3,000 people from all over Brazil and attested that almost a third of Brazilians are interested in financing in the next six months. Of this total, 59% said they wanted to pay debts; 31% intend to make a dream come true and 10% would like to pay an extra expense.

If in a relatively normal scenario the numbers were these, in the context of a pandemic, the Brazilian’s financial situation may become even worse and the only way out may be to take out a personal loan.


Make financial education a habit

money loans

Growing up without knowing what financial education is no excuse to spend a lifetime ignoring that much of the effort we make to have healthy rules and finances, part of the knowledge we have acquired.

Study, understand how to incorporate better habits into your day to day and start putting everything in its place.


Set small goals and big goals

You will be able to change your habits better if you have clear goals.

The brain works best in these cases when we have a place to go. Set goals to achieve in the short, medium and long term.


Avoid the impulse when buying

Set small goals and big goals

A crisis is not the time to spend money for nothing.

Consider well everything you feel like buying, see if it fits your budget, if it is necessary, if you will be able to pay, if it will hinder any of your small, medium and long term goals.


Understand your budget

To take control of your finances you need to have a real sense of how much your monthly income is.

If you receive, pay the bills and go around spending without even knowing how much you still have in your account, you need to review your customs.

Do not be afraid to have an understanding of your budget, only this will make you control your income and be able to maintain the line in a time of crisis.

But, even with these tips you need a little credit boost, check out tips for not sinking when borrowing:


Search for the lowest interest rates

Understand your budget

In general, loans with the lowest interest rates are those in which the risk of default is small, which gives more security for financial institutions to lend without fear of default.

Payroll loans, for retirees and civil servants, which are discounted directly on the payroll; loan with guarantee of property, in which the owner of a house or apartment already paid puts it in guarantee in exchange for the money; and the vehicle-secured loan, which works the same as real estate, but places a car, motorcycle or truck as collateral, are those with the lowest rates.

At Good Lenders Credit you can analyze all these modalities and still compare with more than 30 financial institutions.


Exchange an expensive debt for a cheaper one

If you are going to take out a loan to pay off any financial pending issues, consider getting a high interest rate on some debt for a cheaper one on a loan that works best for you.

By doing this you remain in debt, after all, as the title of this tip suggests, you are making an exchange.

But it is a healthy exchange that will make your debt cheaper and payable.

Which can get complicated when high interest rates add up for months and years without payment.


Beware of scams when borrowing

Beware of scams when borrowing

Don’t fall for miraculous promises, the online loan can be secure, but you need to be aware of some details.

On the Good Lenders Credit platform, you can check security certificates and easily find information that the site is authorized to grant loans through banks and financial partners through the Cream Bank.

Do a more detailed search on the website that is offering the loan. Also search social networks, news, blogs, and Complain Here (complaints site).


Don’t forget to compare the Total Effective Cost of the loan

It’s not just interest rates that tell you whether a loan fits in your pocket or not, that’s just ONE of the fees you pay when you request money.

You need to check how much the Total Effective Cost (CET) of the operation is.

That’s because interest may be low, but adding all the other charges charged by the bank or finance to borrow money, such as taxes and insurance, can make your loan more expensive than you can afford.

Pre-approved credit: what it is and how to contract

Everyone has their strengths and weaknesses when it comes to dealing with money. Some may not have a spare amount left since pay a round for friends, while others know what money in the account? synonymous with bill or unpaid debt. Whatever your case is, you? certainly already? he was tempted to borrow from his bank. Well, today we came to talk about one who is? at your fingertips: pre-approved credit. Yes, talking about? Credit? always makes some people tense. But in some contexts, that extra money, arriving very quickly in your account, can save lives. Just that you? understand how it works.


How does pre-approved credit work?

How does pre-approved credit work?

Quite simply, this one? a loan that a bank account holder can borrow at any time. No analysis, no bureaucracy, no waste of time. It looks a lot like overdraft, doesn’t it? But the difference? is he not? automatically requested whenever your account goes negative. Are you? You need to go to the ATM and ask for the credit. Of course, like any doubt, you are. you will have to pay in time, with adjustments and interest. But, how the value? determined by the bank according to an analysis already done,? Deadlines, interest and other costs vary from bank to bank.a little more likely than you manage to pay for everything.


What are the advantages of this credit?

credit advantages

Is this loan? fast, just go to the ATM. A unique feature of pre-approved credit, but still valid. If you are predicting that you will need extra cash in the next few days, or you want a fast loan to make a purchase, so this may be a good option. The idea is anticipate a debt, as in the overdraft, it may be that you leave benefited. The interest rate ceiling? lower the risk that the bank runs is usually less, especially if you have a stable income and a good creditor.


And the disadvantages?

And the disadvantages?

Of course, not everything? It is advantageous in pre-approved credit. going to have here the inability to negotiate life and interest in advance. As the money comes out very fast, the built-in interest rate is not negotiated, only effective. So, before acting on the impulse, check the data and make sure you can afford the final cost. And, of course, pre-approved credit will never save you from financial indiscipline. Even if your relationship with the bank is quiet at now, everything can change if you can. don’t plan how to pay a debt. In the end, are you you will be in the same situation as you would be if you started using your credit card unbridled. Doing a quick study of your finances can and will save you a lot of headaches. Now you? have a better notion than Pre-approved credit and how to use it responsibly. Do you want to keep following our news and tips? Subscribe to our newsletter and receive our best content in first hand!