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Frequently Asked Questions
Would you like to know more about a Personal Loan and borrow money? Here you will find the answers to the most frequently asked questions. Is your question not listed? Then view our complete overview of frequently asked questions about borrowing money.
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With a personal loan you borrow an amount once, which is deposited into your account in one go. This could be because you need a new car, want to buy a caravan or are planning a kitchen remodel. If you need money for a specific purpose of which you know the total costs in advance, a personal loan is very suitable. One of the advantages of a personal loan is that you know exactly where you stand. You pay a fixed amount each month, consisting of interest and repayment. The interest is fixed for the entire term. Together with an advisor from Pringlelab Credit Collection, we will look at what suits your personal financial situation. With a personal loan, you therefore know exactly where you stand, which gives just a little extra peace of mind during the moments in your life when you make larger expenditures. If you opt for a personal loan, you borrow money in a responsible manner and with peace of mind.
Personal loan interest
When you borrow money, you pay interest. How much interest you pay depends on the amount you borrow and your personal living, living and work situation. Factors such as: level of income, housing situation, type of employment, housing costs and any existing loans are taken into account to determine whether you will receive a loan and at what interest. The higher your risk is assessed, the higher the interest. You can only borrow money if you have sufficient income to pay the monthly costs of interest and repayment. With Pringlelab Credit Collection you already have a personal loan with an interest from 3.5%.
If you use a personal loan for a renovation or a sustainable improvement of your home, then the interest on this is deductible from income tax. This is only allowed for loan types where you pay off every month, which is the case with a personal loan. With a revolving credit, the interest is not deductible.
The term of the personal loan depends on the amount that you want to borrow once for your loan purpose. Are you planning to buy a car? Then check how long the car lasts. You adjust the term of your loan to the lifespan of the car. In addition, it is important to see which monthly payments fit your budget. What amount can you pay monthly in interest and principal, without having to worry? Also adjust your loan to this.
Repay penalty free
If you have money to spare, it can be beneficial to pay off a personal loan early. The lowest interest you pay for a loan is higher than the highest interest you receive for the money in a savings account. At Pringlelab Credit Collection you can always make interim repayments without penalty. You can transfer the amount to be redeemed to the lender, stating your contract number and your name.
Benefits of a personal loan
The personal loan has a number of advantages. The biggest advantage is the security that a personal loan offers.
- The term is fixed, so you know exactly when you have finished repaying.
- 100% certainty that you will have repaid your loan at the end of the term.
- The interest is fixed and therefore cannot rise unexpectedly.
- You repay a fixed amount per month. This provides certainty.
- The interest is deductible for income tax if the loan is used for a renovation / improvement of your owner-occupied home.
Disadvantages of a personal loan
The personal loan also has a number of drawbacks. The biggest disadvantage is that the personal loan is less flexible and you therefore have less freedom. In some cases, it is therefore better to opt for revolving credit.
- It is not always possible to make interim repayments without having to pay extra from a lender.
- The loan amount is fixed and you cannot adjust it. It is therefore not possible to borrow money. If you want this, you must submit a new application.
- You cannot withdraw amounts that you have repaid again.
Compare personal loan
At Pringlelab Credit Collection you can easily compare the personal loan of our different lenders via the link below. This way you can be sure that you will find the loan with the lowest interest that suits your personal situation and wishes. We are happy to ensure that you do not pay too much unnecessarily. View our interest rate comparator here .
What others achieved with their personal loan
Based on their many years of experience, our credit advisers are happy to give you appropriate advice for your specific loan goal, so that you can realize your wish.
What do customers say about our services?
Date: Tuesday January 12
“A very pleasant experience with Pringlelab Credit Collection. They ask you for a shout, but then all the data is ultimately correct. Only when they are satisfied do they forward the application. This gives confidence. Furthermore, communication is fast and pleasant. ”
Mrs. Van ApeldoornView all 1142 reviews
Most answers to your questions can be found on our frequently asked questions page . Do you have a question that is not answered on our website, or would you like to discuss your options with one of our specialists? Then contact us by e-mail or telephone.
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