The Qwerty Credit portal was established in 2015 with the aim of helping its visitors find their way through the confusing offer of bank and non-bank loans. Therefore, we regularly monitor and update detailed information on the dozens of loans available on our market. We assume that all loans available on this site are from only 100% of proven providers who have a clear history, enough positive references from customers and have a valid consumer credit license issued by the Natybank. Over 50,000 visitors visit us every month to help them arrange thousands of loans.
The cheapest loan can be arranged over the Internet
All products in our catalog are classified into many different categories. Whether you are looking for a car loan or an apartment renovation loan, our website will offer you exactly the loans you are looking for. In addition, with regular manual updates, you can be sure that all of this information is up to date. If you decide to negotiate the selected loan, you can do so by entering the company’s inquiry form or directly on their website. Either way, all listed loans can be settled over the Internet or over the phone. You’ll only need a few basic documents, your bank account number, and your receipt to complete.
The APRC is the most important parameter when comparing loans
On TV, in print and on the Internet. Loan ads are hard to escape. Often, however, they have one thing in common, their providers attract attractive offers in their offers. Thus, in large letters they often present the interest rate “from”. However, the main parameter you should keep track of when you want to compare multiple loans is the APR. Indeed, the APRC contains – unlike the interest mentioned above – all the actual costs associated with the loan. The APRC is therefore much more meaningful. For this reason, we present APRC on all loans on this site, not interest. At first glance, the comparison is easier.
How to borrow money without risk?
Every loan presents a risk, it is good to remember in advance. The consequences of default have financial implications for the client and his credit. The Consumer Credit Act requires all licensed companies to verify the creditworthiness of the client. The basic prerequisite is to lend money only to people who can properly repay the loan. If you are going to borrow money, always consider the potential risks, set the monthly installments so that it does not overburden your budget, borrow money only for the necessary expenses and never repay the loan with another loan! Avoid all online advertising with loans and do not borrow from private individuals. Legislation is now much more on your side, take advantage of it and borrow money only from licensed companies that are sure they meet all the rules.
A loan without a register and a loan without proof of income
Many people regularly search for this type of credit. But today they basically do not exist. The law requires all providers to check the registers and request information on the amount of income. It does not mean that it is not possible to get a loan even if you have a record in the debtor register. If you prove the ability to repay the loan, you can get a loan (but rather non-banking companies) without a register, but expect higher interest rates. Even a loan without proof of income still exists in a way, but in a slightly different form. Some companies do not require (it concerns rather short-term loans) proof of financial income (statement of account, paycheck, etc.), but it is sufficient to provide information without further evidence. However, it does not pay to lie, even for loans without proof of income, always give all the information truthfully. Also, cash loans (ie cash loans) still exist, but they are significantly less than online loans. The advantage of course is that the client does not have to have his own bank account, because the money is paid in cash directly at home.
Consolidation of loans
Do you have multiple loans at the same time and do you feel your budget is burdening up to? Loan consolidation may be the solution. Consolidate all your loans into one. The advantage is that in addition to a better overview of spending, you reduce the monthly payment and you can even borrow extra money. You can consolidate all kinds of loans – bank and non-bank. Furthermore, credit cards, overdraft and sometimes also leasing. Almost all banks in our market as well as selected non-banking companies offer loan consolidation.