Compare credits Personal Loan Cetelem, Flexible Credit Ferratum

Compare credits Personal Loan Cetelem, Flexible Credit Ferratum

 

Cetelem Personal Loan # Contract

Flexible Credit Ferratum  Contract

 

Contract

Contract

Type of loan

Loan

Credit line

Credit for:

Individuals

Individuals

Source of income

Roster

Pension

Autonomous

Roster

Pension

Autonomous

Minimum amount

€ 6,000

€ 100

Maximum amount

€ 60,000

€ 500

Maximum amount existing customers

€ 1,000

Minimum term

12 months

1 month

Deadline

8 years

The maximum repayment term may vary depending on the amount requested:

For loans of € 10,000 or more, the maximum term is 96 months

For loans of less than € 10,000, the maximum term is 60 months

For Debt Reunification loan, the maximum term is 120 months

26 months

Accepts ASNEF or similar

   

Purpose

Anyone

Anyone

Summary reviews

The users usually mention:

Application without changing bank

Comfortable sending of documentation

Improved customer service

Nominal Interest Rate (TIN)

6.95%

103.40%

TAE Comment

Example of a TAE for a loan of € 12,000 to be repaid in 96 months for the reform of the home.

The APR may vary depending on the purpose, the amount and the term from 6.12% to 14.82%

TAE example of a provision of 1,000 euros with a repayment period of 4 months.

TIN comment

The interest rate applied may vary depending on the purpose of the loan and its amount and term:

For new and used car and home renovations: 6.95% – 9.90% TIN (6.12% – 10.36% APR)

For debt reunification: 10.90% – 13.90% TIN (11.48% – 14.82% APR)

For other purposes: 6.95% – 9.90% TIN (7.18% – 10.36% APR)

Interest rate of 0.283% daily

Annual Equivalent Rate (APR)

7.18%

208.31%

Addressed to:

All customers

Requires guarantee

No warranty

No warranty

Minimum age

18 years

25 years

Maximum age

65 years old

70 years

Tax residence

Spain

No. of connections

0

0

Where to hire

Internet

Maximum number of holders

1 person

Request without paperwork

 

Hiring process

Click on the “Request Information” button

Choose the amount we need and the return period

Fill out the online form

Verification of identity and bank

Read carefully and sign the contract

How is it returned

Transfer to account

Card charge

Allows early return

Free

Allows lack

Possibility of up to two non-consecutive deficiencies per year