Household loans – who’s cheaper with?

Most loan companies operate online. However, people who care about completing the formalities related to incurring a financial commitment without leaving home, but under the watchful eye of a specialist, can take advantage of a home-loan. Who offers this convenient but expensive product? 

A home service loan is an offer for people who value comfort and direct contact with a representative of a non-bank company. This form of financial support can also help maintain discipline of repayment – a loan company employee visits us weekly or monthly to collect the next installment. We set the date and place of the meeting (usually in an apartment or a house, but can also be in an office or work) according to our capabilities. It is important to have the right amount with you at the time. On the other hand, we will have to pay dearly for such a facility – the total amount to be refunded in the case of an installment loan with servicing at the place of residence is often much higher than with a standard package with online application and repayment to the lender’s account. What costs do we need to prepare for choosing a comfortable version of the commitment?

Loan in Nominent

Loan in Nominent

The leader of non-bank loans on the Lapuda grants installments with the option of servicing the client’s home for over 15 years. Currently, the offer includes loans from PLN 500 to 15,000, but the final amount of financing depends on the repayment system (weekly or monthly) and the type of package (Standard, Standard Plus, Flexible). In the option of paying installments every week, you cannot borrow more than PLN 10,000. The loan can be repaid for 30, 45, 60, 75 or 90 weeks or 3.6, 12.18 or 24 months. What are the costs for the Flexible package, i.e. with home service? We take 4,000 zlotys for 75 installments. Every week we pay 98.55 PLN, which gives us a total of 7,390.76 PLN. For comparison, the same loan, but in the Standard package (we handle everything online) is associated with a weekly installment of 73.92 PLN, i.e. 5 543.85 PLN in total. The difference is almost PLN 2,000. A lot.

Loan in Demoler

Loan in Demoler

In the Demoler offer, an installment loan with the option of servicing in the place of residence can be found in the Demoler Comfort package. We have the option of borrowing up to PLN 800 for an ID card, while up to PLN 4,000 with a document confirming income. As regular customers, we can apply for up to PLN 10,000. Here, deciding on 4000 PLN payable in 70 installments, we will give away 126 PLN every week, and as a result we will pay 8 820 PLN, which is over twice as much as we borrowed.