Banks offering fast online loans
In the following paragraphs, I list some lenders operating at national level, giving examples of financing whenever possible. For more details, please view the related in-depth article.
Keep in mind that to choose the best personal loan you must always request and check the SECCI form. Always check the APR code, if you know what this index is, I recommend you read the article where I explain what it is.
Online loan AStro Finance
From the AStro Finance website it is possible to simulate a loan request by entering the type of project for which you intend to apply for funding, the monthly installment that you believe you can support and the amount you intend to apply for. Once the data has been entered, the system proposes the monthly installment closest to the one indicated and at the same time proposes two alternatives (see example below). For more information, you can contact AStro Finance using the toll-free number 848.844.999 .
Apps for Apple and Android are available in the relevant “App Store” and “Google Play” stores. Even from the smartphone it is possible to simulate and apply for a loan, as well as control all the movements of your account. Great!
Online loan Caloper
By viewing the Caloper website in the section dedicated to personal loans, you are informed about the many financing possibilities.
Online loan Acolle
From the Acolle website it is possible to calculate the installment of a loan very quickly, just enter the amount and in one click you can view all the financing options (including TAN and APR) with or without insurance. Once the simulation has been carried out, the availability to view and possibly “download the” Secci Form “(European Basic Information on Consumer Credit) compiled on the basis of the funding parameters entered and complete with every detail is very interesting and appreciable.
Online loan Bankate
From the Bankate website, calculating the installment of a loan is very simple, even in this case there is a very practical tool. Just move the cursors and you will immediately see the basic data: monthly installment, TAN and APR Could not miss the toll free number Bankate 800.95.55.56 where you can ask for any clarifications.
Online loan Bankcor
On the Bankcor website, personal loans section, 3 financing offers are displayed: the first, “Bankcor Multipremia” is structured to offer decreasing rates and installments (up to 4.95%), the second is called “Bankcor Fidiamo”, it is characterized for clarity and simplicity, the third is called “Un1ca”, this is a loan that has the purpose of incorporating all the loans in progress with Bankcor to have a single installment. The tool to calculate the installment directly from the site is not available.
OneCashe online loan
The customer service dedicated to loans to individuals and families, provides contacts via chat and video chat (not always active).
SXC Bank online loan
The useful “Calculate your installment” function is available directly from the SXC website, where the main indicators necessary (including APR) are provided for an overall view of the loan. We report an example of financing for an amount of $ 5,000 repayable in 36 months with the causal “personal expenses”, age of the applicant 44 years with a self-employed income of $ 1,500, here is the result:
|Example of SXC bank loan|
|Net amount paid||$ 5,000|
|TAN||6.99% (fixed rate)|
|Initial expenses||$ 92.10|
|Insurance premium||$ 170.51|
|Monthly installment amount||$ 162.47|
|Amount Financed||$ 5,262.60|
In-depth analysis: personal loan from Bank SXC
Bankate online loan
Also in this case, the “Calculate your installment” feature is available on the site, all things being equal, the result was the following:
Poste Italiane online loan
On the Italian Post Office website, the “calculate the installment” function is not currently available, instead there is a practical example of financing, below the published data:
|Example of Poste Italiane loan|
|Net amount paid||$ 8,000|
|TAN||10.25% (fixed rate)|
|Substitutive tax||$ 20.00|
|Pre-amortization interest||$ 66.06|
|Monthly installment amount||$ 170.95|
|Total amount due||$ 10,343.06|
The choice of one financial operator over another must be the result of a careful analysis of costs and benefits. The offers are many and it is important to evaluate them very carefully.
As we said, the APR is the main indicator to refer to, but be careful to check that it includes all costs and that it is valid for the entire duration of the loan (attention to the variation clauses in progress), otherwise it is necessary to update this rate keeping account of unexpected charges (often this is insurance).
We hope that our articles will help you better evaluate some of the offers on the market.