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How to get a Loan for 84 months?

Your household budget does not have to empty the repayment of larger loan requests. Long installments keep installment payments small. Your loan financing for 84 months ensures you low-interest rates and low installments.

When looking for a loan, you should not only look at the interest. With the “free special repayment” loan condition, you can keep your installment loan as flexible as you would like it to be. With our loan advisor at maturity, we will inform you why it is worth taking out in the long term and paying off quickly.

84-month loan – long term loan

84-month loan - long term loan

Financing a loan for 84 months is a classic model of long-term financing of a consumer loan. Credit institutions have no restrictions on the use of the loan. A long-term loan can satisfy consumer wishes, summarize existing loan obligations or invest in real assets. However, it is always worthwhile to enter the actual purpose of the loan comparison.

Perhaps this will open up access to a special offer that would not have been offered to you if you were “free to use it”. – Because, in the long term, most consumers want to finance large amounts of loans. Long terms open up the scope in order to reconcile high net credit with affordable installments.

With a large credit volume and a long term, every percentage point behind the decimal point is of course important. But, the real cost drivers often overlook borrowers in their hunt for the cheapest rate. Because, to secure loans, consumers like to play it safe.

Nobody can look seven years into the future. The affordability of the loan, in the event of unemployment or illness, many consider insuring even with shorter terms. Only optional credit insurance protection is not shown in the effective interest rate. This means that the residual debt insurance is almost invisible in terms of financing costs. Consumers often only realize how expensive borrowers are to make this decision if they later want to reschedule their debt. Credit insurance costs about 20 percent of the loan amount. In the event of early repayment, the contributions will not be calculated back.

Long term – save Residual Debt Insurance and pay off quickly

bank

Credit can be financed for 84 months, at least in the case of medium loan amounts, as an invitation to waive the Residual Debt Insurance. Borrowers are happy to finance 60 months of average loan requirements, for example, 15,000 dollars for debt rescheduling or free use.

The monthly installment payment, the effective interest rate of 3.89 percent regardless of creditworthiness, is USD 275.05. (Credit example, 15,000 dollars net loan, term 60 months, as of April 2016). In total there are 1,502.80 dollars in financing costs without Residual Debt Insurance.

In the individually researched case, the Residual Debt Insurance would add 18.8 percent of the loan amount for insurance protection (2,820 dollars). This increases the financing costs to 4322.80 dollars. The monthly rate is now $ 322.04. If the same amount were financed without Residual Debt Insurance as a loan for 84 months, the bank will charge 2119.83 dollars effective interest. (The interest rate does not change due to the extended-term). Monthly would be paid 203.81 dollars. Compared to the loan with 60 installments and Residual Debt Insurance, the installment burden is reduced by USD 118.23 / month or USD 1418.84 / year.

The Residual Debt Insurance can be saved because the rate is so low that it can still be used in the event of illness or unemployment. Only the period of sickness benefit and ALG1 may be counted. The majority of current credit insurance policies exclude ALG2 and permanent disability.

There remains the credit risk in the event of death. Insured for 7 years, the Community Life Protect calculated for our sample request for comparison purposes, 50.64 dollars per year. This means that, with the same monthly charge as for the Residual Debt Insurance loan, 1,368.20 dollars are available for special repayments.

Profit-oriented credit planning without a Residual Debt Insurance pays off

Profit-oriented credit planning without a Residual Debt Insurance pays off

With special repayment free of charge, the loan can be paid for in 84 months, without a cent extra, in 54 months. Affordable monthly installments hedge real risks through affordability. In the event of death, life insurance covers the remaining amount. The insurance contract is concluded for the full amount of the loan so that the company even pays out excess amounts.

If problems arise that Residual Debt Insurance would not insure, the financing model shows additional strengths. For example, the car has to be repaired, then it is not necessary to use the expensive overdraft facility to settle the bill. The money for the special repayment is finally in the savings book. Dedicating it once, paying a little differently with it, extends the intended term, but it saves overdraft interest.

Loan for 84 months with restricted creditworthiness – loan offers?

Loan for 84 months with restricted creditworthiness - loan offers?

“Taking over” financially has a significant impact on the creditworthiness of the loan. Regular credit providers refuse to cooperate if they wish to finance a loan for 84 months as soon as the credit rating deteriorates noticeably. The reason for the loan refusal is simple to name. As the “guardian of creditworthiness”, the score has replaced manual credit checks in almost all credit institutions.

Bank loans with a poorer score offer “risk providers” if the credit check by hand refutes the bad score. Overall, the process is more complex, and financing becomes noticeably more expensive. An alternative would be to apply for a loan for 84 months through private donors. Good Finance, recommended by our loan comparison, offers a reputable environment for risk-free online financing from private individuals.

How to get a Car loan?

In today’s world, owning a car seems to be a necessity. The only question is where to get the funds for it? The answer may be simple.

You should consider whether a car loan would not be appropriate for a solution that would allow you to purchase the desired vehicle for favorable conditions. However, before we decide on such a loan, it is worth it to get to know all its most important features.

A car loan is a loan that can be taken out both

A car loan is a loan that can be taken out both

For the purchase of a new and a used car. Requirements, which must be met depend mainly on age the vehicle and its price. In many cases, the bank will be entered as a co-owner in the registration certificate (has then also the right to decide when selling the car).

Today, however, not anymore every bank requires it. The other assurance is the assignment of rights from liability and civil liability AC. In the event of an accident, the money does not go to the owner but to the bank. A vehicle card deposit is also possible.

When buying a car on a loan, the buyer can set up your own contribution. Them the larger the contribution, the better the loan terms can be obtained. Then the margin is reduced, and this is often associated with a smaller amount formalities, which must be completed to get a car loan get (e.g. you don’t have to document your own income).

It is obvious that the best offer can be offered to the bank where the borrower has a personal account. Yes, so it’s worth analyzing the bank’s offer first, which we are already clients.

The actual interest rate of a car loan

The actual interest rate of a car loan

Is usually from a few to a dozen or so percent per annum. The repayment period is relatively short and lasts only a few years. It is important to also that, contrary to the name, a car loan does not have to be incurred only to buy a car.

It may also apply to the purchase of other vehicles up to 3.5 tonnes, e.g. motorcycle, tractor, trailer, quad or construction machine. Almost every large bank has its own car loan offer, so before making the right decision you should carefully examine all the offers available on the market. You can find more or less favorable offers.

Credit A car is a good option for people who would like to buy a car in installments, using an inexpensive bank loan. It is also available in car dealerships, also in second-hand car dealerships.

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Civil servant loans – advantages and disadvantages

If you are looking for cheap loans, the official loan is not an unknown term – but why should the official loan be so much cheaper and can it really only be received by civil servants? Or is it just another advertising term without a real counterpart?

 

Officials preferred!

civil servants loan

In contrast to other catchphrases, which only refer to consumer credit / installment loans with a low loan amount, the official loan actually exists in this form, because civil servants belong to other professional groups, which can also benefit from an official loan preferred customer group of the banks. From the banks’ point of view, civil servant status weighs so strongly that, in a direct comparison, civil servants have to pay up to 50% less for repayments due to the significantly lower interest rates, and in some cases even have lower credit premiums and borrowing costs, because the banks are hard on civil servants as customers fight!

Because: Due to their special status, civil servants are practically non-resignable and receive an equal, guaranteed salary – 2 decisive advantages from the perspective of the banks compared to “normal” customers, who always (from the perspective of the banks) represent a higher risk of default due to salary fluctuations (Wage workers) or sudden dismissal and dismissal.

Double protection, low interest rates

low interest rates

But: The drastic interest discount is not only due to the fact that it cannot be terminated, but also because the civil servant loan offers double security: because in addition to the security of a fixed and equally high salary, the civil servant loan also includes a life insurance in the amount of the loan amount into which the payment is made repay the loan directly.

With this capital-forming life insurance, the loan amount is paid off at the end of the term, which means that the repayment costs are only incurred in the form of interest, but the otherwise due repayment portion for the payment of the loan amount goes to life insurance. This usually expires as soon as the loan becomes due and has to be repaid – with the payment of the previously saved amount, this can then be repaid in one fell swoop.

This has the following advantages for the bank and civil servants:

Bank / Lender: The life insurance in the amount of the loan guarantees the bank that the loan amount will be repaid in the event of death. In addition, there is certainty that the loan default or non-payment of insurance premiums is very unlikely given the high and secure income.

Officials / Borrowers: By securing the loan through life insurance, the survivors are protected from financial ruin due to the loan default. If home ownership was acquired, the life insurance policy will still deduct the loan in the event of death without the surviving dependents losing it.

Since life insurance is provided as security, there is also no need to take out additional life insurance, which is usual, and thus a financially burdening double payment (credit installments + contributions to life insurance).

 

Make a profit with the official loan?

home loans

But that’s not enough, because capital-forming life insurance has another advantage: With life insurance or its most need payment at the end of the loan, the payment is used to repay the loan and is deposited as security, but the claim to payment has not been assigned.

If the payment amount is higher than the agreed payment, which is not uncommon due to gains during the term, you can claim the excess yourself as a profit without the bank (at most the tax office) being entitled to it.

 

Official Loans – Disadvantages

Official Loans - Disadvantages

However, an official loan does not only have advantages: Despite the interest rates, which are often up to 50% lower, it is often comparatively more expensive than a conventional loan, because by not repaying the loan amount, the interest burden remains constant over the years instead of falling as with a conventional loan, is.

Although these higher interest costs can be offset at the end of the term by a higher profit distribution from life insurance, this represents a speculative risk compared to fixed repayments.

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Consumer credit to individuals – little truth from the expert

The most popular service commercial banks are consumer loans to private individuals. No wonder, because this type of credit can bring a good income to our country’s financial institutions. This is due to significant interest rates. Taking commission and interest into account, the consumer pays around 40% of the loan volume for the year.

 

Consumer credit for individuals: some features

Consumer credit for individuals: some features

Market – individuals, contract workers. The loan is only granted to permanent employees. The loan amount depends on the amount of the latter’s salary. In practice, even if the bank’s advertisement says that theoretically a substantial amount of cash is available, the loan will only be calculated based on your income. Basically, the maximum loan amount is about three wages. If the payer fulfills his obligations on time, the bank can raise the limit to six borrowers’ average monthly wages.

Interest rate for consumer loans Individuals significantly higher than other credit products. This is due to high credit risks: in fact, this type of loan is not secured by collateral. In addition, there is always a risk of a person being fired from work and resulting in late payments. Such a concept as low consumer credit is a marketing trick used by financial companies. With low interest rates, this is unprofitable for the bank.

It is advisable to choose a creditor bank well. Read the terms of the loan. There are cases when you can only hear one interest rate in advertising. In fact, however, there are still monthly commissions, insurance, etc.

 

Does the bank check the borrower when granting a loan?

consumer loan

Every bank is reinsured and tries to reduce its risks. The bank therefore carries out a comprehensive check when borrowers request that private loans be granted to private individuals.

The borrower is first checked by the office. Credit history (CII). If you have already taken out a loan, the CII will provide information on its repayment to the bank on request and form your rating. This information determines the bank’s further decision to legend to a potential borrower.

Each bank has a different approach to credit history: some have used information from the past two years, others five years.

Regardless, I want to mention the consumer credit without proof of income. The amount of such loans is much lower than that of references, and the interest rates are much higher. The use of such a loan is therefore only recommended in extreme cases.

 

Moments that need to be considered as potential borrowers

consumer loans

  • Before you take out a loan, you need to think carefully about this moment. Do not take it without special need.
  • Make sure that the loan payment is convenient and does not exceed 25% of your net income. In this case, the borrower has free money that is intended for other purposes.
  • It is not necessary to take a loan “to the eyeballs” as changing your salary downwards will result in overdue loans.
  • Keep an eye on your credit history because anything can happen in life. So watch out for the future.
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Loan and its value. How do i get there?

In the last decade, the country has formed the system of selection of executors of state and municipal orders based on tenders and competitions. It is based on a tender loan. The idea turned out to be so good that it was used by large private companies to find suppliers and performers.

 

State Entrepreneur Requirements

State Entrepreneur Requirements

In accordance with legal requirements An organization wishing to fulfill a governmental order or contract must meet a number of criteria and requirements. One of these is the provision of a deposit: the amount that the state customer receives if the contractor rejects the order or does not offer sufficient security in the future.

The purpose of the compensation mechanism is also and in checking a potential partner’s solvency. There are no exceptions for a category of companies. The funds for such purposes are either withdrawn from a credit institution or allocated from a company’s working capital, which is disadvantageous. Money in the economy is not superfluous, on the contrary, it is constantly lacking and there is no clear and need perspective to show whether it will be possible to get a contract. This is why bidding credits are so popular for securing bids.

Credit security gives companies a chance. Take part in several competitions at the same time. The state looks calmly at such actions, and state banks also participate in lending. The credit organization will not give money to anyone, and the Treasury also has an indirect confirmation of the solvency of the contractor who received the bidder loan.

 

Ways to back up an application

loan application

Credit bureaus offer various services. There are 3 options for application security:

  • Bank guarantee;
  • Bank loans;
  • Loan in microfinance organization.

Guarantee – the consent of the bank to cover the customer debt obligation at the request of a third party. It is issued by a financial institution for a limited time. Make sure that you comply with Art. 45 FL-44, otherwise the guarantee is simply not taken over. You can get a payment loan in the form of a loan. A bank that offers loan programs of this type requests a list of certain documents.

 

A package of papers for a loan

money loans

Package includes:

  • legal documents;
  • Financial reports;
  • other securities that are required to assess the customer’s solvency.

Bank as a source of finance attractive due to lower interest rates, especially for regular customers and an unlimited amount of money. For this reason, companies are willing to collect substantial amounts of documents in order to receive money for participating in the tender.

It is offered to take out a tender loan from MFIs. They are addressed by customers who, for various reasons, are unable to take out a loan from a bank. Document review and reporting are not as strict, but understandable, since a high risk has to be paid with interest. Generally, a loan is a type of bank loan. The specific list of documents required by a particular credit institution may vary. In some cases it is more, in others less.

 

The fate of the rate

loan rate

A bidder who does not receive an order has the right to withdraw his money. The law provides for two situations in which the contribution is not reimbursed:

  • When the contractor won the competition, he refused to sign the contract.
  • The contractor refused to enforce the contract in accordance with its terms.

Collateral is returned quickly within 10 days. There are exceptions if the electronic platform is addictive for some reason to solve the problem. As a result, since the money is returned, the borrower loses a small amount to pay interest on the use of funds. There are no risks associated with the actions of partners and the state. A tender loan is a practical tool for bidding without overwhelming the strength of the company.

 

Which banks to contact?

bank loan

The first of which also has its own trading platform. It is advisable to take out a loan in a structure that specializes in financing the delivery of government contracts. Then the process becomes easier and faster. In such cases, a proven package of documents is suggested. A tender loan to secure a contract also funds the cost of a company that does not have enough money to meet its obligations.

There are two types of loan:

  • Line of credit;
  • one-off loan.

Line – characterized by the presence of a limit within the customer has the right to contact a bank and not take less or more, but as much as necessary. A one-off loan is calculated on a clearly agreed amount. In both cases, banks offer good-faith customers an expansion of the fund volume on offer. At the same time, there are no restrictions on the granting of a loan in a particular organization. 

 

Who will help?

money loan

Assistance in obtaining an offer loan is helpful for a company that starts its work in government contracts. In such matters, it is offered by financial advisors, brokers. You get a percentage of the business because nobody works for free.

These specialists conduct activities in connection with several banks and can offer the best option based on the criteria of the financial institutions and their specific customers. They use the services of intermediaries and do not have enough time to independently look for a suitable organization.

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Have you checked your credit report?

Your score and credit report are a bit like your debt report card. All of your credit history and consumption habits are recorded. A simple mistake or information entered following an identity theft can have a significant impact on your ability to borrow. Have you checked it recently?

 

What is a credit score?

credit score?

This is the rating that credit reporting agencies give you after analyzing your credit history and habits. It is between 300 and 900. The higher it is, the better your reputation with banking institutions. So you could get a better interest rate or a higher loan, for example.

Conversely, if your rating is low, you may have a higher interest rate and need an endorser. If your file is too bad, your loan could even be refused!

 

How to check your credit report?

credit report?

You can obtain a copy of your file free of charge if you request it in writing, by telephone, by fax or in person from Equalfax Canada and GoodUnion Canada.

For a fee, you can also get it over the Internet. You could also ask for your credit score.

Trick! Check your credit report annually (or whenever you are in doubt) to make sure it is free of errors and that you have not been the victim of identity theft.

 

How can I improve my credit report?

improve my credit report?

Is your credit record marred by a few youthful mistakes? It is possible to give it a little luster. Here are some strategies:

  • Use less than 35% of your available credit. That is, when you add up all of your credit limits, you shouldn’t use more than 35%.
  • Try to make as few credit requests as possible.
  • Lower the limits on your cards and lines of credit.
  • Vary the credit you use. Better to have a credit card and a margin than two cards.
  • Limit the use of installment sales (buy now, pay later).
  • Pay your invoices on time and in full.
  • Avoid overdrafts (checks without funds or automatic transfers when the amount is insufficient).
  • If there is a delay, catch it as soon as possible before it is transferred to a collection agency. You can try to reach an agreement with your creditor to spread out the payments.

 

Are there other factors that can hinder getting a loan?

money loan?

Yes. First of all, the financial institution takes into account the importance of your debts in relation to your income. Some lenders also have different policies depending on your past relationship with them and their risk tolerance, for example.

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Special repayment for loans Save a lot of money with special repayments

In Germany, many people currently have an installment loan and countless more are added every day. Many borrowers are less concerned about special repayments when taking out their loans, but rather attach great importance to the speed of payment. A special repayment can save a lot of money if the worst comes to the worst. If you currently have an installment loan or are planning to take one out, then you should definitely not neglect special repayment. Why is explained below.

If an installment loan is taken out, this is usually repaid monthly to the lender in constant repayment installments. However, what many borrowers do not know is the fact that there is a right to a special loan repayment . So you can not only repay the loan faster, but also save money. If you currently have the money left over, the consideration of a special repayment can prove to be quite worthwhile for you.

 

Your credit, your money, your right

Your credit, your money, your right

If you already have a loan in progress, then you know that you usually have to repay a constant monthly installment to the bank over the entire term of the installment loan. Especially in the beginning of the loan, you mainly only pay the interest on the loan. Secondly, the monthly installment also serves the purpose of paying off the loan amount actually taken out. However, the longer the loan term passes, the closer you get to this actual repayment. You then deduct more of the loan amount and less of the interest portion. The reason for this is very simply the so-called residual debt. You only pay the accrued interest on the current residual debt amount and this continues to decrease with every monthly installment.

If you make a special repayment now, then this remaining debt will be even smaller in one fell swoop and you will pay even less interest. Conversely, this means that you can save a lot of money.

 

You should pay attention to this in the event of a special repayment

loan repayment

  1. You have the right to a special repayment

As a borrower, you have not only obligations but also rights. One of the rights that you have concerns yourself with the subject of “special repayment”. You can repay part or all of your installment loan at any time. This fact applies to all loans taken out after June 11, 2010.

  1. The prepayment penalty

If you repay all or part of your loan before the actual loan term expires, your lender will experience a so-called loss of interest. Of course, the bank would like to compensate for this and therefore has the right to pay a prepayment penalty. The amount of this compensation always depends on the remaining term of the loan. If the remaining term of your loan is more than one year, the lender may charge one percent of the prepayment penalty on the remaining debt. If you are under one year, then it may be a maximum of 0.5 percent.

 

Does the bank ask for prepayment penalty on your loan?

Does the bank ask for prepayment penalty on your loan?

Before signing the loan agreement, you can find out whether your lender is required to receive such compensation in the event of an emergency. Your loan documents must be accompanied by a document called “European Standard Information for Consumer Loans”. This also sets out the extent to which you are permitted to make a special repayment free of charge each year. If your lender does not demand prepayment penalty from you, then a special repayment will always prove to be worthwhile for you. However, if the bank intends to make such a payment, you must first carry out a few calculations in order to be able to determine whether a special repayment is worthwhile for you.

Please note that as long as the amount of this compensation is lower than it is for the interest on the entire remaining term, a special repayment is profitable. You can also use such special repayments to convert a current loan into a new loan. Here you replace the old loan entirely by taking out a new loan.

 

When is debt restructuring worthwhile?

debt restructuring worthwhile?

A debt rescheduling from an existing loan can turn out to be worthwhile if, for example, the new loan has a significantly lower effective annual interest rate than is the case with your current loan. If the prepayment penalty is less than the interest on the new loan, rescheduling is also lucrative.

 

How you can make a special repayment

How you can make a special repayment

  1. Step: create a household bill

The first step is to take a close look at your finances. Create a budget bill on an absolutely realistic basis. Enter your regular income and expenses there.

  1. Step: Set the repayment rate

You can then use the household bill to determine how high the monthly repayment rate for the loan can be. Of course, you should and above all you should not use all the remaining money per month for the loan installment. You decide how much of the remaining monthly budget you want to spend on a loan installment. About 20 percent is a good value for the basis of a repayment rate.

  1. The special repayment and its amount

If you have carried out the relevant calculations in full, you can use this calculation to determine how much you could raise annually as a special repayment. But again, you should not use the entire amount for this purpose. Always leave yourself a buffer for unpredictable events.

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Pledge cars in the pawnshop and get credit

Loaning cars in the pawnshop is now often the better alternative to a traditional loan from a bank. The most obvious reason: the house bank and other financial institutions are more than happy to refuse credit inquiries even from long-standing customers. For many people, there are no sophisticated wishes behind their request.

Instead, they are necessary purchases such as washing machines or used cars to finally get a job. Due to the ever-increasing cost of living, many citizens only have to go to the pawnbroker to obtain short-term liquidity.

How can I lend cars to your pawnshop?

How can I lend cars to your pawnshop?

If you would like to pawn cars in our pawnshop, there are six different locations to choose from. These are located both in Bavaria and in the densely populated Rhine-Main area, where experience has shown that many vehicles are on the road. Tell us the most important data of your vehicle to be loaned and choose from the locations

  • Munich
  • Rosenheim
  • Frankfurt am Main
  • Wiesbaden
  • Darmstadt and
  • Mainz

the one that is closest to your place of residence. We need information such as the vehicle type, mileage, and any extras to determine the vehicle deposit value.

What happens at the final meeting?

Based on the vehicle deposit value, we will inform you of the amount of your deposit loan. If you agree, we will make an appointment. This meeting may take place on the same day. In addition to the car, please also bring the vehicle registration document, the vehicle registration document, all subsequently installed extras, documents, and the de-registration certificates.

After you have identified yourself with your ID card and everyone has signed the mortgage loan agreement, you will receive your instant loan directly in cash. You can’t pawn cars easier, faster and more seriously in a pawn shop.

Are cars safe in your pawnshop?

Are cars safe in your pawnshop?

If you want to lend cars to our professional pawn shop, you don’t have to worry about the safety of your car. As a reliable company, we guarantee that you can park your car in an insured building. We always keep an eye on it and ensure that you get your car back the way you gave it to Good Credit as a deposit.

In addition, we take care that your vehicle does not run out of the air during the idle time. That means: We check the tire pressure and keep your car in good condition. In addition, of course, your data is also safe with us, whereby the reasons for the pawnshop remain with you.

Can I combine cars with other vehicles in your pawnshop?

You already know that you can mortgage cars in our pawnshop. Many customers at Good Credit do not want to lend a car, or not only. Of course, we are also your point of contact if you want to mortgage other vehicles. In addition to the cars most often used as collateral, these are

  • motorcycles
  • campers
  • truck
  • Boats and

as well as classic cars (historical vehicles). For vehicles of other categories, please ask us specifically. We will surely find a solution that is satisfactory for everyone.

What are the costs of cars in your pawn shop during the pledge?

What are the costs of cars in your pawn shop during the pledge?

Anyone who lends cars or other vehicles in our pawnshop will be faced with fair costs that comply with the applicable laws. The traditional consist of three elements:

  • mortgage loan fees
  • demurrage
  • interest

The amount of the stand fee depends on the vehicle to be loaned. If you want to mortgage a car, you have to pay $ 2.50 daily, for a motorcycle, for example, the amount is $ 1 per day. We estimate the interest at 1% of the amount of your loan, while 3.5% fees are due. We bill the last two pillars of costs exactly to the day on a monthly basis.

Pawn cars in the pawnshop: Is it possible to extend the term?

You have mortgaged cars in our pawn shop and want to extend the regular term of three months? This is no problem! All you have to do is pay the costs incurred. Then we can extend the mortgage loan agreement for a maximum of three more months. Of course, an opposite way is also an option if you want to trigger your car early.

Call us and the next day your vehicle will be ready. We are happy to help you if you want to sell your car completely. Good Credit will make you a fair offer. Now you can lend cars and other vehicles in our reputable pawnshop to achieve short-term liquidity!