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Fixed interest period – Take out loan now

 

The fixed interest period is a temporarily limited period during the loan agreement in which the interest on the loan is fixed. If the interest is fixed over the entire term, then one speaks of a fixed interest loan.

Loan with fixed interest

Loan with fixed interest

Fixed interest rates of five, ten, fifteen or even twenty years are common. The following applies: the longer the interest is fixed, the higher the interest rate. After the fixed interest period has expired, the borrower has two options: the loan is rescheduled, i.e. there is a change of bank, which usually involves high transfer fees, or the bank submits a new loan agreement to the borrower, which revises the terms of the old financing plan and repeats repeatedly. Within this fixed interest period, a special repayment, i.e. a payment that goes beyond the contractual agreements, is not possible without the borrower being entitled to early repayment penalty. This does not apply to consumer loans, special repayments are possible at any time.

However, some lenders now also allow the borrower to make special repayments during a fixed interest period, which applies to both the installment loan and the real estate loan. In the case of mortgage loans, however, these possible special repayments are usually limited in amount, for example to 10,000 USD per year. In general, the borrower has to consider some things anyway if he can choose between a certain fixed-rate period and a variable interest rate at the beginning of the borrowing process.

Disadvantage of an agreed rate

Disadvantage of an agreed rate

The disadvantage of an agreed rate fixation period comes into play especially when the loan interest generally falls after the loan has been taken out. Because then the borrower is of course still bound to the agreed interest rate for the agreed period, for mortgage loans this is usually five or ten, sometimes even up to 20 years. In this respect, it is only advisable to agree a fixed interest period from the borrower’s point of view if it is more likely that future interest rates will rise.

 

 

Credit Bank – Opportunities for borrowing through the bank

If personal circumstances require borrowing, a multitude of factors must be taken into account by the interested party. Choosing a suitable loan agreement involves more than comparing effective annual interest rates. The fine print, as well as the financial situation and private planning of the loan applicant, have a decisive influence on the choice and the successful execution of the loan contract.

Borrowing from the bank

Borrowing from the bank

The banking system places high demands on prospective borrowers. An impeccable credit rating and a secure income are usually among the essential requirements for a positive credit decision. This means that many people are excluded from bank lending. But in addition to the banks’ loan offer, non-creditworthy prospects also have numerous options for borrowing. Private loans or loans from foreign banks are popular and proven forms of cheap financing.

The overdraft

The overdraft

A simple and quick way to increase the financial resources at short notice is the disposition loan. The overdraft facility is granted by the house bank as part of the current account agreement or the account holder explicitly applies for it.

The overdraft limit granted, and thus the amount of the credit line granted, is usually based on the regular monthly income of the account holder, which must actually flow into the checking account. The overdraft facility can be canceled by the bank at any time, but it is also possible to reduce or increase the granted credit limit. The overdraft facility, also known as overdraft facility or overdraft facility, can be used to respond to short-term financial bottlenecks.

However, the interest burden on the overdraft facility is relatively high, so that this form of financing can quickly become a ” credit trap “. If the high interest charges from the overdraft from the monthly available budget can no longer be managed, refinancing into a different type of loan is an option. The installment loan is usually used to replace the amount owed from the overdraft facility.

The installment loan

The installment loan

The installment loan is a suitable form of loan financing for orderly cash repayment and repayment in monthly installments. The installment loan can secure the liquidity of the funds to compensate for an overdraft or to purchase goods and services. This leaves the borrower with the option of also paying mandatory monthly payments, such as rent or energy costs.

Also known as a ” consumer loan”, the installment loan can be used for almost any purpose. The installment loan finances the car purchase, but also the vacation. From the furnishing of the home, the renovation of the bathroom, breast surgery or tooth restoration to recharging your batteries in the wellness oasis, there are hardly any limits to how you can use the installment loan. The amount and the term of the installment loan are among his most important selection criteria, because here the providers differ in their offers.

In principle, loan amounts of between 1,000 and 75,000 USD are possible with the taking out of an installment loan, whereby its term is usually between 12 and 72 months. As with the overdraft facility, the purpose of the loan application is usually to be specified, but is usually insignificant for the loan approval. This results from the fact that no collateral is required for the installment loan and it is therefore given as a ” blank loan”. However, the bank can request credit insurance (residual debt insurance) or a garnishment of wages and salaries if the borrower no longer meets his repayment obligations.

For people who are fundamentally excluded from lending, such as the unemployed, low-wage earners, the self-employed, and people with a negative Credit Bureau, a loan approval is usually still possible. In addition to the guarantee, the lender may also require residual debt insurance. However, the installment loan always offers much more favorable conditions than the overdraft facility. A processing fee of 1 to 2 percent is usually charged for its submission.

The credit line

The credit line

Similar to the installment loan, the framework loan is also an opportunity to be prepared for unforeseen financial burdens. The amount of the credit line is agreed, but its disbursement amounts are only paid on demand.

With the credit line, the borrower decides when and how much of the agreed credit line should be available to his account. The framework credit is therefore a permanent cash reserve that enables great financial flexibility. A usual credit line for the credit line is between 2,500 and 25,000 USD, whereby amounts of any amount – from 1 USD – can be called up flexibly.

Interest is only payable for the amounts actually paid, but not for the agreed framework. The credit line is also a cheaper option for financing than the credit line.

guarantee loans

guarantee loans

The lender can require the use of a guarantor for a large number of credit transactions. If the prospective customer does not have sufficient collateral available, the credit institution may request the provision of a surety to cover its risk.

As a guarantor, people who have the desired credit rating are responsible for the proper repayment of the loan. In the event of insolvency, but also if the borrower is unwilling to pay, the guarantor is liable with his entire assets. Even if the borrower has income or assets, the bank can fall back on the guarantor if the agreed loan repayment fails to materialize. The guarantee loan or the securing of an installment loan with a guarantor also enables people with little or no income to take out a loan.

The residual debt insurance as security

The residual debt insurance as security

With many types of credit, but especially with installment and guarantee loans, the conclusion and assignment of the residual debt insurance become mandatory for the borrower. As an alternative to the residual debt insurance, life insurance (capital or risk life ) may also be accepted, with risk life insurance only covering the death.

Capital life insurance may also have savings capital that can be used to satisfy the loan claims. The amount of the ceded security must ensure the proper repayment of the loan in the event of death, unemployment or illness of the borrower. The residual debt insurance and other accepted collateral are to be assigned to the lender, with which the insured person can no longer assert claims under the contract.

While the premiums for risk life insurance remain the same, the rates for residual debt insurance also decrease as the remaining debt of the loan falls. The more of the loan amount that has already been repaid, the lower the residual debt insurance.

The mortgage loan

The mortgage loan

Anyone who can use real estate to hedge the bank’s risk when borrowing is rewarded with more favorable loan terms. In most cases, the intended use of the mortgage loan is freely selectable, but in the case of specialized providers such as the mortgage banks, the mortgage loan is generally linked to the property. In this way, pure mortgage banks usually only finance new buildings, conversions, renovations and modernizations of a property.

A mortgage is entered in the land register of the local court for a mortgage loan. Rights from the property are thus transferred to the lender. When the property is sold, the lender is first satisfied in the amount of his claim, the remaining debt of the loan. The sale or transfer of the property can only take place with the consent of the mortgage bank registered in the land register. If the mortgage loan has been repaid in full, the mortgage is also deleted from the land register. Credit institutions, mortgage banks and insurance companies issue mortgage loans that are usually equipped with low interest rates and good conditions due to the high level of assigned security.

Suitable types of credit in the absence of creditworthiness

Suitable types of credit in the absence of creditworthiness

For those who cannot withstand a bank’s credit check, there are cheap alternatives for borrowing on the private credit market. The comparison of the loan offers on the Internet shows the options for obtaining a loan approval even if there is a low or low income or if the Credit Bureau is negative.

The personal loan is not subject to the legal requirements of banking, and other regulations also apply to foreign credit institutions. This means that people who are fundamentally not creditworthy, such as the self-employed, start-ups or low-income people, can be financed through cheap loans. The online comparison options as well as the online conclusion of loan contracts are simple, quick and transparent.

Small payday loan: take over the bank or privately?

The granting of credit, the granting of deferral of payment, is a practice that is as old as humanity, as old as trade itself. Loans can be given in the form of money or goods, even the “borrowing” of food from the neighbor is a form of credit.

Loans never return the same bill or kilo of sugar, just the equivalent. This differentiates every form of lending from rent or lease. For example, when renting a vehicle, the vehicle that was rented must be returned, not any other equivalent vehicle.

Loans are important for trading

Loans are important for trading

Whoever grants credit earns money from it. Banks charge an interest rate on money loans. Business grants a loan by enabling installment payments.

If you pay in cash, you always get what you want cheaper. However, many customers have not always saved the required amount. Without paying in installments or granting a loan, they would not be able to buy the new wall unit or the new television. Therefore, shops benefit in two ways: the trade is boosted and the goods can be sold more expensive. The banks earn on loans, because depending on the term and amount, several million dollars are earned annually only on interest.

In 2011, more than 2.4 billion dollars in loans were granted by over 2,000 credit institutions across Germany, including around one billion to private individuals. With an approximate interest rate of 5 – 8% per year, depending on the bank and the amount of the loan, such loans are a safe and profitable business for all banks.

It only becomes critical when too many large loans have been granted and some of the debtors become insolvent. Such a situation can also be a real problem for a large bank with ample equity.

The small payday loan for private individuals

The small loan for private individuals

In contrast to a large amount of money granted by the bank, interest on small payday loans is much cheaper. We speak of a small payday loan if the amount of money does not exceed 5000 dollars.

Such a small payday loan can be used to purchase new furniture or to pay off the remaining debts of a large loan. The debtor does not have to be accountable for the use of the money. So what he uses the loan for is completely irrelevant. Small payday loans are also given with far fewer credit checks.

The next wage payments or just the car can be given as security. With a small amount like the small payday loan, the banks are much more accommodating than with a large loan.

A small payday loan can also be granted by private individuals to private individuals, a small payday loan between friends or in the family is usually granted without interest and is therefore more of a courtesy, but is legally a loan. With an interest-free loan, only the debtor benefits because the creditor only gets back the amount that he has borrowed.

Maturities for small payday loans

Maturities for small loans

Small payday loans for private individuals can be various loans, such as interim financing or so-called mortgage loans. The amount and the terms are determined here from the monthly incoming payments, for example wages or pension payments. The debtor’s creditworthiness, i.e. his creditworthiness, also plays a role, as does the collateral used.

A guarantor can help if you have no collateral or a poor credit rating. Anyone who guarantees a small payday loan is liable for the debtor with his or her assets. Ultimately, the bank doesn’t care who gets their money from. Existing life insurance, life insurance or a home savings contract can also be handed over to the bank as security.

If the loan is repaid on time, the documents used go back to the debtor. Small payday loans can be taken out from a term of six months, around 12-24 months are usual, long-term small payday loans can also have a term of up to four years. The faster the money is repaid, the less interest is accrued. That is why banks are naturally interested in a longer term.

Home finance or very large loans granted to business people can earn a lot of interest with a term of up to 30 years. There is little interest on a small payday loan, but the bank has the security of getting the amount back after a relatively short time.

Overdrafts and credit cards

Overdrafts and credit cards

Anyone who can overdraw his account also gets a loan without having to apply for it. The so-called overdraft facility is a form of small payday loan, which is also based on the monthly payments received by the debtor. However, if you overdraw your account too much and are always in arrears with payments, you are advised to take out a small payday loan. Especially if it is a short-term bottleneck. This is because the overdraft facility usually demands significantly higher interest rates than a small payday loan. In addition, the bank can also cancel the overdraft facility once granted. This can happen if the account is mostly in the red and the incoming payments fail to appear.

Credit cards also grant the holder a, usually interest-free, credit until the end of the month. Because the payments that are made with the credit card are only debited from the account by the credit card company at the end of the month.

Conclusion

Conclusion

Many businesses would not be able to survive without the granting of loans, the granting of small payday loans and the deferral of a payment is a common practice in business. Every day, customers are granted small payday loans in the form of installment payments.

A small payday loan from the bank can bridge a short-term bottleneck, replace an expensive remaining debt or initiate the pre-financing of a higher loan. It is also possible to settle an overdraft facility with a small payday loan, because these interest rates are significantly lower than those for the overdraft facility.

Final loan Who is it suitable for? Credit rip-off informed

 

Banks give final loans to both private and corporate customers. This special form of credit is characterized by a special repayment agreement, which is very suitable for some financing purposes.

Terms for final loans

Terms for final loans

Term loans do not differ from other forms of credit in terms of the customer’s credit check prior to the loan approval. The bank only approves the loan application once the creditworthiness has been confirmed after the test procedure has been completed.

The interest rate on a final loan is fixed throughout the term. This is regulated in the same way as for installment loans. Final loans differ from other forms of loan solely in terms of their repayment modalities. While installment loans are continuously repaid over the entire term by using part of the annuity to repay the loan, this is fundamentally not the case with term loans. Here, the total loan amount remains unchanged during the term of the contract. That is why the loan amount always pays full interest, so that the monthly interest is always the same amount.

In the case of an installment loan, on the other hand, the loan amount is permanently reduced due to the repayments made, so that the interest payable is reduced accordingly. A final loan is only repaid in large amounts at the end of the term.

Final credit risks

Final credit risks

This form of loan is associated with particularly high risks for lending banks. Because until the end of the loan term, the entire loan receivable remains in full, while with an installment loan it is continuously reduced by the ongoing repayments. For this reason, credit institutions particularly often require the deposit of collateral for final loans.

If the borrower is unable to meet his obligation to repay the loan amount at the end of the loan contract, the bank realizes the security. For customers, a final loan always entails a higher interest charge than an installment loan. By completely foregoing repayments during the term, interest payments must always be made that relate to the total loan amount. As a result, a loan with a final installment is much more expensive than an installment loan.

Final loans for private customers

Final loans for private customers

In the retail customer area, term loans are far less popular than installment loans. Many consumers feel that the risk is too great that they will not be able to make the repayment at the end of the term. In addition, the high amount of interest makes this type of loan unattractive, especially for customers who are able to provide ongoing repayments.

However, maturing loans, the repayment of which is secured by the simultaneous taking out of a capital-building life insurance, are definitely in demand. Here, the repayment is saved in the form of monthly contributions to life insurance. If both life insurance and the loan fall due after the expiry of both contracts, the sum insured will be used to repay the final loan.

Who is the final loan suitable for?

Who is the final loan suitable for?

However, this condition design is only suitable for customers who pass the health check for taking out life insurance due to their good general physical condition and age. In the form of official loans, which are paid out for free use, this type of final loan in combination with life insurance is relatively widespread.

This combination of life insurance and final loan offers both the borrower and the lender a particularly high level of security. This hedge has proven its worth, particularly for long-term loans. If the borrower dies before the end of the contract term, his heirs pay back the loan with the amount insured.

The car loan

The car loan

Car loans are also paid out in the form of final loans to private customers. This also enables customers with limited financial resources to buy relatively high-quality vehicles.

However, the prerequisite for unproblematic processing of this form of credit is that the customer will have higher income or sufficient assets in the future to be able to reliably pay the final installment. This is often the case, for example, with young car buyers who take up their first job after completing their training or university studies and can expect to see their salaries rise soon.

Final loans for corporate customers

Final loans for corporate customers

Companies in the start-up phase often opt for final loans. In this way, the capital requirements that they have due to the expenses required to start up the business are met. At the same time, the repayment suspension gives them financial scope until the end of the loan term.

At the very beginning of business, many companies find it difficult to generate a sufficient amount of continuous cash flow that would enable them to reliably repay an installment loan.

However, granting such a final loan to newly founded companies leads to a particularly high risk for the lending bank. If the company went bankrupt during the first few years, the bank would have to write off the entire loan amount. In order to protect themselves from this danger, many credit institutions therefore require that the owners personally provide collateral. For corporations, this usually takes the form of a guarantee from the business owner.

The transfer of ownership by way of security of motor vehicles or high-quality machines is also quite common in this context. But even companies that have been operating successfully on the market for a long time often ask for final loans. This can be necessary, for example, to finance long-term and costly orders, but also for the purchase of capital goods with a particularly long payback period.

Loans to pay in installments

There are various types of personal loans online that are made to meet the needs of those who request them. Personal loans or loans are a financial product that aims to help people get out of some economic trouble without having to compromise their savings.

Among the vast universes of online credits there are personal installment loans . This is a type of loan that is made for a certain sum of money from a lender to a client so that he can face a payment or finance a purchase. The person agrees to repay the loan amount plus the interest agreed in a certain time. Quotas will be set at the time of hiring.

Personal installment loans are a tool that provides financial support for anyone who requests them. Ordering through the Internet will save you time and you can get various offers that are sure to be of great benefit.

Now we will tell you how to request them. You will know everything about this process so you don’t get lost along the way and you can get them successfully. Personal installment loans are easy to obtain.

Loans to pay in installments

 Loans to pay in installments

The whole process to get loans to pay in installments is quite simple to perform. It does not require a lot of time and does not require extraordinary requirements. The first thing to do is to enter the website of the online lender and use your calculator to select the amount of money you want and the repayment term. After making this selection, you will know the amount of the fee that must be paid each month.

After performing this step, a fairly basic form is filled in with personal information (which will be completely confidential). This stage of the process is very simple to carry out and it will only take a few minutes to complete.

After completing this process, we only have to wait for the loan application to be approved. This lasts between 24 and 48 hours, in some cases. After this period of time has been fulfilled, the person will have the money at his disposal in his bank account.

It is very important, before doing all this, to know what are the requirements that the online banking entities request to grant loans to pay in installments . Next, we will indicate which are the most common for you to take them into account.

Loans to be repaid in installments

 Loans to be repaid in installments

The requirements to request loans to be repaid in installments are very easy to consign. The best thing is that there are few documents that must be processed and we must not deliver any paperwork. These are the requirements that, most of the lenders, demand to deliver credits and loans online.

  • Valid identity document (DNI or similar).
  • You need to be a resident of the country in which the financial institution to which you will apply for the loan operates.
  • You must provide a bank account in your name to which the lender can give you the loan.
  • Provide an endorsement or payroll for the company to trust that you will return the money within the agreed time.
  • In addition, you must provide a telephone number and email.

These are the minimum requirements that most lenders ask for loans to repay in installments .

Fast installment loans

 Fast installment loans

Now is the time to review all the advantages of applying for fast installment loans online. The benefits that online loans bring are multiple and place them above those granted by traditional banks.

These are some advantages or pros:

  • Some do not need an endorsement. Getting a guarantor can be a headache, so there are many online lenders who do not ask for collateral. This is ideal if you are going through a bad financial moment.
  • Fast installment loans can be granted in a very short period of time. The most common is that the approval is made after 24 or 48 hours after the request has been made. The speed of these loans make it a perfect tool for people who need money urgently.
  • You will not have to waste time accumulating papers and then take them to an office. The requirements for fast installment loans are very simple to enter.

How to recognize dubious credit providers!

 

Thousands of loans are granted in Germany every day. Much of these loans are provided by the big banking houses. The most important thing here is the creditworthiness, which must be so good that a loan can be approved.

As a rule, many consumers can also meet the strict regulations and receive their credit in this way. But there are also consumers who do not have a good credit rating, as well as consumers who do not generate enough income, who have negative Credit Bureau entries or who have already accumulated so much debt that a loan is no longer recommended.

Refusing the loan can be very painful. If the loan is linked to a very specific investment that may have been planned for a long time or that cannot be postponed. Affected consumers then usually look for an alternative: a loan provider who tied other conditions to a loan and who also agrees to a loan under less favorable conditions.

Many loan offers on the Internet

Many loan offers on the Internet

Often you will find what you are looking for on the Internet. With the help of the right search terms, you will find a large number of offers that target precisely those customers who cannot take out a regular loan. But what looks pretty good at first glance doesn’t have to be. Because unfortunately there are a lot of credit providers in this area who try to increase their own profit with dubious means.

Many consumers are blinded and fall for the dubious offers. This can have fatal consequences. Not only that they have to pay a lot of money in order not to get a loan in the end. They are often forced to take out absolutely useless insurance policies and subscriptions that have to be used for many years. So what can you do to avoid getting into such dubious loan providers? What should be considered and what are the signs at the beginning of the conversation? We tell you – in the text below and in the transparent list of fair credit providers.

Amount of credit interest

Amount of credit interest

If you get an offer for a Credit Bureau-free loan that is accompanied by unusually low interest rates, you should be taken aback. No Credit Bureau and lowest interest rates – that usually doesn’t go together. Since foreign banks cannot query Credit Bureau, they usually secure themselves otherwise, at least when it comes to more than small loans. Among other things, with higher interest rates that are intended to intercept a possible default. In addition, it is imperative that you have a stable employment relationship that generates a decent income. For all these reasons, loans without Credit Bureau are usually limited to $ 3,500 to a maximum of $ 5,000.

Insurance and subscriptions

Insurance and subscriptions

You should also pay attention to the fact that you should take out insurance or subscriptions before lending so that the loan is “secured”. No loans should be taken out here. A residual debt insurance can be taken out to secure a loan. And only if the borrower so wishes. Everything else is often an attempt to make a lot of money.

No fixed company address

No fixed company address

If the loan provider prefers to come to the prospective customer’s home rather than receive it in his own business premises and also conceals the company data, extreme caution should always be exercised. Every reputable provider normally has business premises that can be proven to exist.

Advance credit costs

Advance credit costs

One should also be careful if the provider requires upfront costs. Reputable credit providers usually offset their expenses and costs with the annual percentage rate. And this is only due when the loan agreement has been signed and the repayments begin. If money is required in advance for a loan, one should look for the experiences of fellow human beings with the provider concerned.

The business with the expensive hotlines

The business with the expensive hotlines

Credit providers that can only be reached via an expensive hotline should be examined more closely. Such hotlines can make a lot of money. The provider who provides these numbers receives only a fraction of the amount that has to be paid per minute for a call for the provision and management of the numbers and calls. The rest of the money goes to the supposed credit provider, who improves his monthly income in this way.

Dubious providers will also try to keep the caller on the phone for as long as possible. Many questions are asked and the credit request should be described in as much detail as possible. Often everything is aimed at keeping the caller on the line for as long as possible in order to make as much money as possible. However, you will often not receive a loan. Because after “thorough examination of the facts” you are usually informed that a loan is currently not possible under the circumstances. You can of course call again at a later date and the request for a loan can then be checked again.

Untrustworthy loan provider

Untrustworthy loan provider

If you do not want or cannot take out your loan from one of the traditional banks, you should look very closely at who you are getting into. Many dubious providers are waiting for unsuspecting customers to pull their money out of their pockets with senseless insurance, upfront fees or excessive interest. If a loan through banks is not possible, there are often good reasons for this. At best, you do everything you can to eliminate them and then make a loan request again. If everything fits and the credit rating is correct, you will also get a loan from reputable providers.

Using Loan calculator for online credit

Loan calculator online

Loan calculator online

× Your credit card reconciliation on the Internet. Starting with an online loan, the easyCredit brand has become a successful company in the meantime. Computer In this way, you and your loved ones can secure themselves in the event of an economic bottleneck and are protected in every situation. The contribution is included in the monthly installments. Year of life: Anniversary – Example: For a period of 5 years, it is possible to conclude a contract until the age of seventy. Please note: The incapacity risk is only covered up to the completed birthday.

The optimal private bank for you!

The optimal private bank for you!

Securing your deposits is the mission and a central component. The regional principle is lived by the banks. Whether salary or free student and youth account – we have the right deposit for you with many pluses. Savings box was yesterday: the youth account with free account advice and accident insurance as well as any reduction in volume for more action in private life.

For consumers, the basic low-cost account provides a payment transaction account with basic functions to bridge difficult situations. Whether beginner or professional, the Austrian credit ​​account is a secure and reliable bank account with state-of-the-art banking functions. Free account management, free health insurance and access to numerous services and ticket discounts – this is our account package for students.

Savings box was yesterday: the youth account with free account advice and accident insurance as well as any reduction in volume for more action in private life. For consumers, the basic low-cost account provides a payment transaction account with basic functions to bridge difficult situations. Whether a beginner or a professional, the Austrian credit ​​account is a secure and reliable bank account with state-of-the-art banking functions.

Free account management

Free account management

Free health insurance and access to numerous services and ticket discounts – this is our account package for students. Savings box was yesterday: the youth account with free account advice and accident insurance as well as any reduction in volume for more action in private life. For consumers, the basic low-cost account provides a payment transaction account with basic functions to bridge difficult situations.

Whether a beginner or a professional, the Austrian credit ​​account is a secure and reliable bank account with state-of-the-art banking functions. Free account management, free health insurance and access to numerous services and ticket discounts – this is our account package for students. Savings box was yesterday: the youth account with free account advice and accident insurance as well as any reduction in volume for more action in private life.

No matter where you are, what you want to pay for – credit cards are your best match. Whether in your favorite boutique, in the online shop or on the journey, Raiffeisen credit cards allow cashless and contactless payments and have many other benefits. Satisfy your needs with payday loans, quick and unbureaucratic financing options for private purchases.