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Three cases where consumer loans can be useful



Are you unsure whether it is worthwhile to apply for a consumer loan? In this article, you can read about the three best reasons why a consumer loan can be a good option.

Not everyone can benefit from a consumer loan, but if you are realistic and use the consumer loan correctly, it can be worth its weight in gold for you.

Three good reasons why you should take out a consumer loan:
A consumer loan gives you extra financial freedom to buy something you've wanted for a long time.
- The money comes straight into your account, after a quick application process.
- You get the opportunity to choose a flexible repayment period, so that you choose a little more freely how you want to pay off the loan.


1. Extra financial freedom with consumer loans

Of the many reasons why it can be smart to take out a consumer loan, the extra financial freedom is one of the very best reasons. You can then use the money as you wish, as the bank does not decide what the money will be used for.

The consumer loan you take out gives you the extra capital to buy something that you might not have been able to afford otherwise. This could be, for example, large unexpected expenses, nice holidays, or other dreams.

Many also choose this form of loan to renovate their own home. This can be financially smart as a renovation increases the home's value. When it comes to nice holidays, these are investments that provide good memories that last a lifetime.

Noen ganger kan uforutsette utgifter hope seg opp på kort tid. Flere har nok opplevd at bilen må på verksted samtidig som kjøleskapet eller oppvaskmaskinen har streiket. I en slik situasjon kan det være vanskelig å betale slike store regninger på en og samme tid.

Med et forbrukslån får du muligheten til å betale alt der og da uten å be om hjelp fra venner eller familie.

2. Få pengene rett inn på konto

En annen god grunn til å søke om forbrukslån er at du får pengene rett inn på din konto. Når du sender avgårde søknaden din om forbrukslån, kan du som regel få pengene utbetalt veldig raskt, i beste fall samme dag som du søkte.

Du lurer kanskje på hvordan det er mulig at låneprosessen går så fort? Det er jo ikke slik at bankene låner ut pengene til hvem som helst, man er nødt til å stille med en ryddig økonomi for å få et lån uten sikkerhet, tross alt.

Låneprosessen er rask og smidig fordi det er snakk om et forbrukslån som er et lån uten sikkerhet, hvor du som låntaker slipper å stille med eiendeler som sikkerhet for å få pengene utbetalt.

3. Fleksibel nedbetalingstid

For å finne beste forbrukslån for deg, bør lånet dekke det meste av dine behov. Med et forbrukslån med fleksibel nedbetaling står du derfor mye friere til hvordan du selv ønsker å betale ned lånet. Mens andre kanskje foretrekker en fast nedbetalingsplan i bunn.

Hos noen banker og tilbydere kan du faktisk få begge deler, altså et fleksibelt forbrukslån, men med en fast nedbetalingsplan. På denne måten bestemmer du selv over nedbetalingen, så lenge du alltid er innenfor den faste planen, og betaler minstebeløpet hver måned. Slik kan du betale mer eller innfri hele lånet uten å betale ekstra for dette i kostnader.

Med en nedbetalingsplan kan du med andre ord alltid beholde kontroll over økonomien.

Når du søker om et forbrukslån, vil banken du søker hos, gjennomføre en kredittsjekk av deg. Denne sjekken legger grunnlaget for hvilken rente du får på lånet. Kredittvurderingen bestemmer også hvor mye penger du kan låne uten sikkerhet.


I denne artikkelen har du lest om 3 gode grunner til å søke om forbrukslån, men vet du hvilken grunn som er din beste grunn for å søke om forbrukslån? Hos sammenligningstjenesten Lånepenger.no finner du oversikt over mange av de beste bankene på det norske markedet.

Ved å trykke på hver enkelt bank kan du se hvilke vilkår som tilbys, og hvordan deres forbrukslån kan passe til deg og dine behov.

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