Often consumers who use the Dispo need only smaller sums of money. The application for a personal payday loan is therefore considered unnecessary Time spent associated with too much bureaucratic use. The Dispo – also known as Rahmenkredit – is indeed a convenient and anonymous way to quickly get to needed money. The fact is, however, that disbursement rates are significantly higher than the credit base rate, so that personal payday loans turn out to be significantly cheaper in comparison: According to a recent study by Stiftung Warentest, German banks demand an average of 10.65% for the MRP. By comparison, the lending rate is currently at a record low of 0.05% , after the ECB lowered it again on 4 September 2014. More details about this we recently reported here .
Balancing Dispo: personal payday loan – but how?
Anyone who claims to be using the MRP over a longer period runs the risk of accumulating a mountain of debt. Consumers of a disposition credit should therefore now worry about the possibility of rescheduling , because who has overdrawn his account, for example, to € 5000, may save by rescheduling more than 500 ¬ – a savings that can be quite impressive.
Where can you find cheap personal payday loans?
A personal payday loan offers a secure alternative to the credit line and is now requested as quickly and easily as possible. But how can consumers get a financial boost while benefiting from the current low interest rates?
A non-binding and free credit comparison offers an optimal solution, because personal payday loans online are often offered at significantly lower interest rates. Just enter your desired loan amount, the term and – most importantly – the purpose. In just a few moments, you will receive a catalog of offers tailored to your individual loan application. Now it is only necessary to compare personal payday loans and choose the right offer. Current Interest personal payday loans are dependent on the Schufa score of a loan seeker. You can read more about the impact your credit rating has on your individual loan offer here . Afterwards you have the opportunity to complete the loan application – but you do not have to, because it is always non-binding.
Find personal payday loans on top conditions
You can replace a credit line with Good Lending with a variety of cheap personal payday loans. This includes Good Lending Wunschkredit. This is a Good Lending special offer that has been specially developed for you in cooperation with Bank. It is a non-credit-linked fixed-interest offer of 4.44% and is valid for sums between € 6,000 and € 8,000 with a term of 60 months. This attractive offer can be used by anyone – whether you are married or single, self-employed or hired. The Good Lending request loan is valid until spring – so secure now a cheap personal payday loan with flexible terms.
* Standard conditions Good Lending: effective annual interest from 0.99%, fixed borrowing rate from 2.72% pa, net loan amount 1,000 to 120,000 euros, maturity 12 to 144 months. Representative example according to 6a (3) PAngV: effective annual interest rate 4.99%, fixed lending rate 4.88% pa, net loan amount 7.500 Euro, duration: 48 months.