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What you should know before taking a cash loan.
APR (Annual Percentage Rate) is the full cost of a loan — it includes interest, commission and insurance. Two loans with identical nominal rates can have very different APRs.
A lower monthly payment often just means a longer term and a higher total repayment. Before signing, check how much you will pay in total — the number of instalments multiplied by the instalment amount.
Banks may charge a fee for overpayment: up to 1% of the amount repaid within the first 12 months of the agreement, or 0.5% after that period. After full early repayment the bank must refund a proportionate part of the costs already charged.
You can download your credit bureau report once a year for free. Overdue payments lower your credit score and can result in rejection or a higher APR. It's better to check in advance and, if necessary, repair your credit history.
Every bank enquiry to the credit bureau lowers your score by a few points. Compare offers using a comparison site, pick the best one or two, and only then submit applications — one at a time.
