The guide of the credit conso: advice and information

You plan to subscribe a consumer credit to finance a personal project? Of all the consumer loan formulas and offers available on the market, it is not always easy to navigate. Fortunately, our financial experts are there to inform you and guide you towards the realization of your project.

Almost any project can be realized with a loan for consumption.

Almost any project can be realized with a loan for consumption.

If it has sometimes had bad press in recent years, it is mainly because of abuse and misunderstanding of its operation. Fortunately, consumer credit is now regulated by laws designed to protect consumers in order to avoid over-indebtedness. Nevertheless, it is important not to engage lightly because you are the only master on board when it comes to managing your finances!

Consumer credits for many uses

Consumer credits for many uses

There are several types of consumer credit, each for the purpose of one or more projects. The personal loan allows you for example to obtain a sum of money to finance one or more purchases or investments, without any proof being required. You are free, but must repay the amount even if your project does not finally succeed (for example if you give up buying a vehicle for which you have requested a credit). The assigned credit concerns a specific purchase. You must provide a quote corresponding to your project to the bank or lending agency, which will pay you the exact amount to finance your purchase. The purchase is thus framed and the contract is canceled if it is not concluded. Revolving credit means lending money freely available for small and large purchases that you can spend with a credit card. This formula is the most risky and requires a great rigor to the borrower. Indeed, the risk of over-indebtedness being important, it is necessary to be reasonable and not to spend the allocated sum without thinking about it.

A loan commits you as an individual borrower; When you subscribe, you must honor the signed contract and repay the amount due to the bank or lender. As a result, think and engage reasonably.

As you can see, a consumer loan is a very useful form of loan to quickly finance an unexpected purchase or to make a project a reality, like a trip for example. Our experts tell you everything to guide you to the formula that suits you and finally give life to your dream.