Fast low rate loans are always considered on a par with an inexplicable mirage. Something that cannot exist because the loans must, by force of circumstances, have a high rate and / or not be fast. However, the market has developed quite quickly and today we can take advantage of very different loans and financing. It is no longer necessary to wait many months before the loan is issued.
In most cases, it takes about 14 working days for bank employees to check all the data, check on the guarantees and give away the money. The only problem that remains is that concerning low interest rates.
Obviously the banks would not be interested in lowering rates if there was no healthy competition between them. One of those aggressive, to bring customers on their side, and, later, to earn as much as possible. However, in a market as large as today, this factor is also present.
What are the loans with the lowest interest rates ever? Let’s find out together by going away in ascending order.
Creditstair Credit offers: don’t give up!
Speaking of the cheapest loans in Italy, one cannot fail to mention the Creditstair Credit loans. It is a young and still developing reality, which has already managed to establish itself somewhat. Its success is mainly due to constant innovation, fierce competition with other banks and a continuing trend towards convenience. Customer interests are placed first here. Obviously the values of Tan and Taeg change in relation to the duration of the loan, the amount requested and the purpose of the loan. However, in general it is really very cheap loans.
The most affordable interest rates: Astro Finance
One of the most affordable loans ever in Italy is offered by the Astro Finance. His product Credit Works, destined for restructuring, has a Tan of only 5.59%, thus proving to be the lowest in Italy. Even the Tage is among the most affordable ever, reaching a level of 5.74%. Thanks to this offense, Astro Finance offers its customers the possibility of carrying out the restructuring in an easy and fast way also thanks to the financial availability. By contacting the Astro Finance it is possible to have a liquidity that does not exceed 30,000 euros.
Bankate, which has always been a leader in loans at affordable rates
Speaking of the most convenient interest rates, we certainly cannot forget about the offers of the Bankate, offers that refer to its leading product, the Personal Credit. Currently it is certainly the best offer at the national level. However, to use them you need to be fast, as the offers of this kind change rapidly also in relation to the needs of the customers. Nowadays the Bankate is certainly the bank to which the Italians turn more often.
This funding is mainly required to have the money for the purchase of a new car. Obviously it is possible to use the product also in other cases (mainly for the restructuring, the demand for liquidity and for other reasons), but the interest rates in this way are raised. So much so that to request, for example, liquidity, it would be better to contact Bankate.
Viloan SpA: a guarantee of convenience
Another very convenient offer for fast loans is that created by Viloan SpA with its Fidiamo product, nowadays one of the most popular on the territory of the Italian State. The offer itself is completely the same as that of the Bankate. The Tan is always at the levels of 5.80%, while the value of the Taeg changes, 6.07% (compared to 6.04% of the Bankate product). That of Viloan is one of the most convenient products also as regards the speed of release of the money, as well as for the mere interest rate. Generally this product is considered to be less convenient than its Bankate license fee.
This product also refers to the purchase of a used car. By changing the purpose of the loan, the relative values for the Tan and the Taeg are also changed. For example, the Fidiamo product of Viloan SpA is not at all convenient if you want to have the money needed to carry out a profound restructuring of your home.
Zalon Bank: a growing reality
Finally, we cannot forget the offers by Bankate. Even this credit institution offers very different products to its customers, but the most convenient is certainly the Personal Loan for Liquidity. This is certainly the best offer in Italy for that particular purpose. Nevertheless, in comparison to other funding institutions, the offer may seem slightly high. With the Personal
Obviously there are many other financing products, some of which are really very convenient. In addition, the convenience, often and willingly, changes in relation to numerous factors, including the place of residence of the person concerned, his work, the type of contract, the type of house he lives in, age and so on. Therefore defining the cheapest loans ever is practically impossible. Everyone should request funding in relation to their possibilities and needs.