How to recognize a reliable loan provider?

A lot can be gleaned from the proposed loan agreement about the seriousness of the loan provider and the loan conditions. Check if it includes, among other things, the following items. If not, ask why and request their inclusion:

  • The APR (Annual Percentage Rate) amount,
  • Conditions for any potential changes in the APR,
  • Repayment duration,
  • Maximum loan amount,
  • Specification of individual payments,
  • Payment method,
  • Conditions for contract termination,
  • Conditions for early loan repayment,
  • Possible penalties and fines,
  • Commitment to inform about significant parameter changes: APR, installments, due dates.

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