Sometimes you need a supplement in the cash register because of an unforeseen expense or something that has to be paid quickly. Then it may be a good idea to take out a bank loan. Many people find it easier to borrow from the bank you are already a customer with, but usually it is a less wise decision.
Instead, we at Astro Finance let 35 banks and lenders compete with each other to give you the best and cheapest loan. We do the work for you, the service is completely free and only a credit report is made at UC. You can borrow anywhere from $ 10,000 up to the entire $ 600,000, from 1 to 15 years.
What is a bank loan?
As the word suggests, a bank loan is a loan from a bank. Bank loans are often used as a collective name for several different types of loans. In practice, this means that you enter into an agreement with a bank to borrow money. You then pay back the loan with interest for a number of years, and we at Astro Finance handle all the administrative part of the loan process.
Different types of bank loans
To help you through the loan jungle, we list here the most common types of bank loans:
- Private loan – A loan without collateral. Also known as blank loans. Through Astro Finance you can borrow up to $ 600,000.
- Car loan, boat loan or motorcycle loan – Loans intended to be used to buy a car, boat or motorcycle, usually with the vehicle as collateral for the loan.
- Mortgage – A loan for the purchase of housing.
- Restart Loan – A loan if you need to collect their debts and credits in one place.
How do I get a bank loan?
Most banks and lenders have a couple of requirements:
- Steady income.
- Swedish citizens.
- No debt balance with the Crown Guardian.
Which customer each bank and lender prefers and what requirements they have on you as a borrower differs a lot. Therefore, it is important to compare loans from several different lenders, something you can do for free with us. In addition, we only do a credit check with UC on you, even though we are investigating your options with 35 lenders.
What does the security of the loan mean?
The interest rate on a bank loan can in some cases be even lower if you use what you buy as collateral for the loan. On the other hand, this means that if you cannot pay off the bank loan, the bank can seize your collateral. Examples of things that can be used as collateral are a home, a vehicle, securities or savings.
Extra security with a co-applicant
In fact, a co-applicant can be anyone with a stable economy. When you apply for a loan with two incomes in the same application, there is a much greater chance that you will get a cheap bank loan.
To compare bank loans
When you want to apply for a bank loan, it is a good deal to compare the offers of several different lenders, to get the best loan and the lowest interest rate. It may sound like a big and difficult project, but we have made it so simple and easy it just goes. Just fill out the form on our website, and we let the lenders compete with each other to give you the cheapest loan.
What happens after the application?
Within 24 hours we have received all bids from banks and lenders, and you can be absolutely sure that you have received the best possible offer. Then you get to choose the bid that suits you best. Usually, it takes 1-3 days from the signing of the loan documents until you have the money in your account.