Bank or Financial Loan?

Bank or Financial Loan?

The need for a personal loan puts you in front of two options, forward the request to a bank or contact a specialized finance company . In both cases you can start by comparing the offers online, even those that can then be subscribed in the branch. The choice will not depend only on the convenience of the rate offered, but on some key factors. Let’s look at some examples.

Personal loans: get up to € 75,000 Loans comparison

Personal loans: get up to € 75,000 Loans comparison

An element that cannot be neglected in the selection is the amount necessary for the project, and the field will obviously be restricted to banks or finance companies that propose financing compatible with the sum that one wishes to obtain. But unless the need is so high as to have to consider a mortgage, both banks and financial institutions can meet most of the expectations, without particular limits. Find Loan, for example, a BNL group financial company, proposes small loans but also loans of up to € 60,000.

A discriminate may instead be the type of requirement that moves the request. If you need a loan for an amount and a precise goal, the financial is an excellent solution, obviously by carefully and preventively comparing rates and conditions. If, on the other hand, the problem is a lack of liquidity that could be repeated or there is a fear of not having enough economic strength against the unexpected, a credit line without costs up to the actual use of the amount available could reassure and create a small reserve in case of emergency.

Not to be underestimated is the fact that if you are already a bank customer and are regularly credited with a salary or pension in a current account, the examination of the request could be faster and offer more opportunities for success. For example, Fineco, the online bank of the UniCredit group, offers both loans and mini-lines to its customers, with speeded-up procedures for customers with an already prevalent financial situation.

In principle, verifying the offers open at your bank is a first step, which should be followed by a comparison between different financial institutions with accurate online estimates that help you calculate the installment and verify the feasibility of the operation with greater certainty, increasing the probability of successful completion of the request.

Loan estimate of 10000 euros


Financial: Simple Loan
Product: Personal Loan
TAN Fixed: 4.25%
APR: 4.44%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.117

Monthly installment € 185 , 28 Feasibility check 

Financial: Cretbank
Product: Personal Loan
TAN Fixed: 5.16%
APR: 6.70%
Loan duration: 60 months
Amount Financed: € 10.146
Total due: € 11.735

Monthly installment € 193 , 19 Feasibility check 

Financial: Find Loan
Product: “Your Projects” Credit
TAN Fixed: 6.01%
APR: 6.18%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.602

Monthly installment € 193 , 37 Feasibility check * The tables give an example of the structure of the site. For all the comparative offers click on the go button and get all the information you need to evaluate the proposal that suits your needs

Personal loans: get up to € 75,000 Loans comparison

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