Monthly Archives: December 2019

Pool credit through a works loan: financing at the best rate?

Do you want to realize your dreams and install a swimming pool on your property? Take the plunge with the pool credit. Our objective through this article is to offer the best work loan, ideal product to finance a new swimming pool. We will mainly see how to receive a positive opinion, using a credit comparator with immediate response.

What is pool credit?

What is pool credit?

Have you bought a property and would now like to install a swimming pool to cool off, or to please children and small children? Owning a swimming pool at home is the dream of many French people. This allows you to have fun, but also to add value to your property. Its cost depends on the surface and the type of swimming pool but is overall very important. It is common to have to inquire about the credit 10 000 USD or more to finance a swimming pool.

It should be known that to install a swimming pool on a ground, there are two solutions:

  • Do the installation yourself
  • Request a professional

If you want to install the pool alone, know that today the pools are delivered directly to your home in kit form. They are therefore often relatively easy to assemble. However, if you want the installation to be done by a professional, you will have to use a manufacturer, a craftsman or the store from which you bought your pool. In this case, additional costs may be invoiced and the pool credit will be all the more justified.

Depending on the pool model chosen and the amount of your pool credit, the rate will vary depending on the financial organizations or the manufacturing companies. Thanks to Sir Credit, it is possible to obtain an evaluation at the best rate, without obligation. Indeed, you just have to fill out our single questionnaire and let us look for the cheapest credit for you in order to save money.

For an above-ground pool: pool credit against store credit

For an above-ground pool: pool credit against store credit

What is an above ground pool?

An above-ground swimming pool is, as its name suggests, only placed on the ground and not buried. It is therefore faster to install, because it does not require digging or earthwork. It adapts to any type of terrain and perfectly represents the swimming pool dedicated to leisure and relaxation.

Currently there are two categories: 

  • Inflatable pools : they are self-supporting and flexible with an inflatable tube and PVC walls. The shape is most often round or oval.
  • Rigid pools : they are most often made of metal, concrete, wood or even composite wood. They are much more varied than inflatable pools because they come in different forms: oval, round, square, rectangular, octagonal, hexagonal…

Overall, above-ground pools have many advantages, especially on the financial side, because they do not represent major work for the field. A small consumer loan of around 5,000 USD is sometimes enough to afford a beautiful model.

Pool credit: what budget should you plan?

As mentioned above, above ground pools have a financial advantage over inground pools. The price can vary and range from a loan of 400 $ to a credit of 8,000 USD (only high-end models can reach 14,000 to 15,000 USD). Consumer credit will then be of a non-negligible amount, but it is possible to find good compromises.

Where to find an above-ground pool?

Above-ground pools are sold more easily than in-ground pools, because they do not generate any commitment on the part of the land owner. In addition, they are more affordable. This is why they can be found in several large chain stores. They can also be found on e-commerce sites such as Rueducommerce or Cdiscount. The above-ground pool is the economical, aesthetic and practical solution that will allow you to enjoy a real holiday at home, even if the garden is not large.

Pool credit versus store credit

With all these suppliers, it is possible to find a credit offered directly at the point of sale, for example through store cards. But these credits are far from being cheaper than those offered by specialists as you will see in our comparator.

Credit for inground pools: an ultimate dream within reach

Credit for inground pools: an ultimate dream within reach

What is an inground pool?

For a more luxurious pool and more comfort, opt for the inground or inground pool. Its installation must be entrusted to professionals, such as masons when it comes to building it, but also to other craftsmen if it is purchased as a kit. The cost of this pool can take off depending on its area and the materials used. 

It should be known that for this type of swimming pool, it is necessary to be in possession of a building permit and that it must be the subject of a declaration near the town hall because it is work of installation of a terrain.

An inground pool is durable and relatively solid thanks to its different materials:

  • The pool shell is made of polyester, a relatively strong and durable material. The only drawback to be noted could be the lack of space for transport to the garden concerned.
  • Concrete is the material par excellence of inground pools. This allows a total personification of your pool: size, depth, shape, and even if for more luxury, an overflow pool is desired, thanks to the concrete, everything will be possible!
  • Stainless steel (or stainless steel) which is the most luxury and quality material. Indeed, it will be the most durable for an inground pool.

All this luxury and comfort can escape from your dreams and thus become reality by opting for a low rate TAEG pool credit.

What is the price of a swimming pool?

Requiring various site development works and using quality materials, the inground pool represents a real budget. Its average cost is.

Indeed, it was noted that for a swimming pool buried in kit, it is necessary to envisage at least a credit 5000 USD. As for the inground pool, its minimum price will be 20,000 USD. Obviously, everything will depend on demand, the manufacturing company and the cost of labor included in the price of the purchase of the pool. It is very important to make several quotes when talking about such large amounts. Finally, note that for a custom buried swimming pool, the price easily reaches 50,000 $.

Where to find them?

Inground pools are not bought in a simple store like the previous ones, but bought in one of the brands specializing in this type of pool (Desjoyaux being the most recognized in this area). An appraisal will be made as to the client’s request and following this a quote will be established.

The pool credit is therefore more useful for this kind of project because it represents a significant investment and therefore a significant amount of money.

Pool credit: choose it well to limit interest

Pool credit: choose it well to limit interest

To apply for a swimming pool credit, please fill ou otur questionnaire and select your desired amount and duration. Let us remember in passing that the longer the duration, the higher te amount of interest on the work financing.

To choose the type of pool credit, simply select “work credit” on our comparator.

In addition, not only does it save time using an online credit comparator, but it also saves money because with the best pool credit rate that Sir Credit will take care of, you will save money!

Let us illustrate this with the request for a credit of 10,000 USD for a period of 60 months:

Lowest fixed APR rate: 4.90% / Monthly payment: $ 187.77 / Total cost of credit: $ 1,266.00

Most expensive fixed APR rate: 7.89% / Monthly payment: $ 200.95 / Total cost of credit: $ 2,034.91

We note that for the same pool credit request from one financial institution to another, there is a difference of 768.71 USD. This difference generally widens further when the amount is higher, and / or when the duration is extended.

Loans for monthly installments online

Everyone occasionally has sudden expenses for which they lack money. Unless time is urgent and you have good credit standing, most people think about going to the bank and applying for a loan first. However, when you get a negative decision because, for example, you don’t have an employment contract or your credit history is not crystalline, then there is a problem.

The non-banking services sector is helping. Most often, loan companies are associated with loans borrowed for a short period (payday loans). Meanwhile, they also offer installment loans. If you look at it a little closer, it turns out that they can be an attractive alternative to banking products. What exactly is this and what does this type of loan involve?

Online loans in installments

Online loans in installments

Years ago, when loan companies had just started to appear , the small payday loans were their flagship product. But since then a lot has changed, and at the moment such institutions have products that correspond to bank loans. Online installment loans are nothing new, though many people are just discovering them.

Online installment loans are something between a bank loan and payday loan. On the one hand, they are contracted in the non-banking sector and there are not many formalities. On the other hand, they are paid in installments according to the agreed schedule, which in turn is characteristic of loans. However, to get a loan, you have to meet many requirements. Banks verify creditworthiness, credit history, including BIK, analyze all household expenses. Installment loans are much simpler when it comes to procedures, and no loan company sets such stringent requirements as a bank. This is especially evident in online loans.

What is an installment loan?

What is an installment loan?

Online installment loans are services that many loan companies have in their offers. The amounts at your disposal go far beyond what payday loans offer. Installment loans are therefore a great option for people who need money fairly quickly and the amount they want to apply for is large and impossible to pay back once. It is also an option for all people who, for various reasons, do not have to count on getting a bank loan. You don’t have to have many formalities to get installment loans , which makes them more accessible. Internet loans have just as few formalities as payday loans.

Installment loans outside of the internet

Installment loans outside of the internet

Like payday loans, installment loans can also be taken online. Both services are offered by the same financial companies. The procedure for analyzing the application also looks similar. Equally, non-bank installment loans are available online. At the same time, they are significantly different from payday loans. First of all, the repayment is not one-off, and it takes place in installments. The repayment time is set individually, but usually it can be up to several years. Although installment and payday loans are granted very quickly, payday loans can be on your account even within 15 minutes of submitting your application. Meanwhile, with an installment loan it can take several dozen hours.

Loans for monthly installments over the internet are growing in popularity, which is due to many advantages. As with other non-bank business services, you quickly decide whether to grant or not. Because loan companies have more room for maneuver than banks, they can be much more flexible and can offer conditions tailored to the borrower’s needs. The repayment can relate to a 30-day period, and it can be 50 or 60 months. So it’s easy to choose a repayment system that’s convenient for you. Due to the fact that the money is regulated in low installments, the risk of delay is significantly reduced.

Fast installment loans online

Fast installment loans online

An online installment loan can be granted almost as quickly as a payday loan! Choosing to apply online, reduces the formalities to a minimum. Decisions about whether online installment loans are made even in one day. The same is waiting for the transfer. Considering how much time you have to wait for money in the bank, the loan is obtained at an express pace. Quick installment loans are just as easily available as payday loans.

The assumption of all loans online is to minimize formalities. The customer can turn on the computer anywhere and fill out the appropriate form. It has no complicated queries, and you don’t have to prepare many documents for verification. Thanks to this, employees of loan companies are able to analyze and determine the customer’s creditworthiness on the same day. In some cases, you get an answer after a few minutes.

What are the costs of an online installment loan?

What are the costs of an online installment loan?

Loan companies differ significantly from each other. This applies to both the functioning and the conditions, the amount of formalities, the sums that can be borrowed, and finally, the costs that are added to the basic amount that is borrowed. In the case of bank loans, you always have to reckon with the fact that interest rates, insurance and many other small costs will be a lot. With payday loans, you can even find free offers. And what does it look like when someone is interested in an online installment loan?

Before signing the contract, you should carefully analyze all points. Knowing how much an online loan actually costs, you can estimate whether the borrower is able to pay the loan back on time. Most people have no idea what components make up the total cost of the loan. Therefore, when you do not read the end of the contract, you may experience unpleasant disappointment at the first installments.

The installment loan is made of several components. The main amount is of course the capital part. This is the value claimed, without interest and interest. Apart from it is the APRC, i.e. the total cost of the loan per year. Comparing several offers with each other, the best will be an online installment loan with the lowest APRC. Next are the fees that arise if the repayment date is extended or exceeded. Here you can also deal with different values. While many loans are profitable when they are repaid on time, in some cases, when they become debts, the costs go up dramatically. When choosing installment loans online, you have to remember that.

How many installments can you make an online loan?

How many installments can you make an online loan?

If this loan is to work exactly like an online loan in installments , then the liability should be spread over time. And it really is. However, the number of installments available can be variable. A lot depends on the loan company. The maximum can be 60 equal installments. Knowing the amount that the future borrower will apply for, he can easily verify that the amount and number of installments are satisfactory. To do this, simply visit the website of the loan company, then enter the amount and you can get an example simulation at what level will be the installments.

Observing the trends in recent years, it is easy to see that the online installment loan , which is the most popular, is for 12 or 24 months. Rather, few people decide on the maximum repayment time. This is important, for example, when financial difficulties arise in the future and the customer wants to extend the repayment period. If the online loan installment was for the maximum period, this option will be impossible.

How do you choose the best installment loan online?

What are the costs of an online installment loan?

Non-bank installment loans are available in many places. Loan companies are observing the market and which groups could be most interested in services. They noticed that among potential customers there is a group of those who need more money and for a longer time than payday loans offer. Due to the fact that they want to be competitive, they expand the offer. However, not all non-bank installment loans are equally attractive.

To find a loan tailored to your needs, you need to check at least a few of them. Offer comparison websites will be helpful. Once you see what a quick installment loan seems to be, then before you sign the contract, you need to verify that the loan company is reliable. Be careful if your site doesn’t have much information, such as your phone number, tax ID, or address. And even when they are, it is best to verify the list to see if the company is operating legally.

When analyzing the installment loan agreement, you need to analyze all the points of the agreement. In particular, costs that may be at a different level in each company. When deciding on installment loans, you need to think carefully about whether you really need to take on more commitments. There are situations when loans are the best solution and they really provide invaluable support. However, when it comes to taking a loan to pay back previous loans, it is better to refrain. Otherwise, it’s a simple way to get into a debt spiral.

Understand Why Credit Recovery For Your Customers

Due to the financial crisis or lack of control, some companies present a list of delinquent customers. That is, there is loss for the sale or acquisition due to that receipt blocked. To reverse this situation, you need to work with credit recovery. Credit recovery works by contacting and negotiating with certain consumers regarding a backlog or debt. In this case, it is common for companies to hire a call center that specializes in the negotiation issue.

So credit recovery is a way of rescuing certain debtors and assisting companies with assets and backlogs. There are even some businesses that specialize in negotiating or taking on the debt portfolio of other companies. Be careful that this activity does not negatively influence financial education!


What is the difference between recovery and credit recovery?

credit loan

Delinquent credit recovery is a way of contacting the consumer who has outstanding debt and trying to negotiate it so that the credit can be repaid. Delinquent claims usually have bids that are out of touch with the debtor and therefore tend to be unpaid. However, the credit recovery companies act on the proposal to negotiate this debt so that it is accessible. Regarding the difference between a collection company and credit recovery companies, it is worth understanding that one intends to remind or appeal for repayment of debt, the other intends to recover and negotiate payment, respectively.

Therefore, the charge is a reminder that the debt has not been paid and is a call for repayment. But credit recovery is different in this respect, being more a way to negotiate so that the amount can be paid by the consumer. Thus, knowing about credit recovery allows companies to acquire capital that was previously considered “lost”, and through this maneuver, still improving the relationship with the customer and maintaining a good bond between the parties.

Therefore, the difference between recovery and recovery is:

  • The collection is more worn and is usually made by the credit granting company itself;
  • Recovery has a different relationship margin and can be done by third parties or specialized companies.

In addition, sometimes recovery has less wear on the customer and even relationship maintenance.


What are the benefits of credit negotiation?

credit negotiation?

Credit recovery companies are based on the negotiation of a capital considered inactive or outstanding, unpaid debts. In turn, the role of the credit recovery company is to assist consumers and businesses in:

  • Helping companies get back the capital stuck in debt;
  • Negotiate directly with customers and thus lessen the image of the company;
  • Offer more attractive opportunities (for both).

Finally, credit recovery is a collaborative way to negotiate a debt that was in limbo. Therefore, it is important for the client to be open-minded and honest about their reality. This way, the company will better understand your situation and try to come to an agreement that suits both of you.

Best motorbike loan: comparison of rates and immediate response – Car Loan

 Where to find the best new motorbike credit?

Where to find the best new motorbike credit?

Several options are possible when you want to finance a new motorbike on credit:

  • Opt for a motorbike credit online
  • Choose a motorbike loan in a concession
  • Apply for a motorbike loan from your bank

Online motorbike loan agencies generally represent the best alternative for limiting interest. Our experience in the comparison of loans shows that bank rates rarely compare with those of specialists such as Bankrate, Bank or Yapbank. These large credit organizations indeed offer suitable solutions. Their 100% online experience above all makes it possible to deliver an immediate response online, without obligation. A good way to get an idea of ​​the state of the market. It is still necessary to have the reflex to go through a comparator.

You have to select “new auto loan (- 2 years)” on our credit comparator to access the best car or motorbike loan rates.

Good to know: you must provide a vehicle order form to obtain a new or used motorbike credit, on the same principle as the car credit simulation. The motorbike loan is sometimes integrated into the auto credit comparison at organizations.

Best motorbike credit: why compare rates?

The best credit is generally the property of credit organizations, but not all of them display attractive rates. The rate can indeed vary depending on the amount of the bike, but also the repayment period. It can also be a matter of the organizations’ commercial choices, some of them displaying temporary promotions, for example. Connected to the largest financial organizations, our auto or motorbike credit comparator bases its ranking only on the basis of the APR rate.

Example of a new motorbike loan online

A simple simulation of 10,000 USD over 36 months from our comparator shows how variable the APR rates are.

Our auto/motorbike credit comparison leads to an immediate response in principle. Three simple steps allow you to access this first opinion without obligation:

  1. Fill out a non-binding form, taking care to indicate your situation and your need (amount/duration of reimbursement).
  2. Note the rate of the best credit organization, as well as the immediate response of the organization, ranked first.
  3. Receive the answer immediately, while having the possibility of asking the opinion of the organizations classified in 2nd and 3rd position in case of negative opinion at the best rate.

Allowing you to definitively validate the conditions found on our comparison engine. It then only remains to collect the supporting documents mentioned in the contract, to verify that it is indeed the best motorbike credit and to return the duly completed documents.

Best used motorbike credit

Best used motorbike credit

There are two solutions to buy a used bike on credit:

  • Go through a used car/motorbike loan
  • Opt for a personal loan without proof of use

Credit organizations obviously offer used car or motorbike credit solutions. The rates are slightly less attractive than those of the new market. It is still more interesting to opt for a second-hand motorbike loan rather than performing a personal loan simulation without proof. Motorcyclists wishing to buy a second-hand vehicle via a second-hand motorbike loan must, however, provide a compulsory order form. This document reassures the lender about the project. However, all projects whose outlines are well defined are more likely to result in a low rate proposal.

You have to select “used car loan (- 2 years)” on our credit comparator to access the best second-hand motorbike loan rates.

The motorbike loan without proof to be provided

Sometimes it is impossible to provide proof of purchase to the financial institution. This is particularly the case when the vehicle is offered by an individual. In this case, the personal loan is the most suitable for financing the machine. Without proof of use of funds, this type of loan is one of the most flexible. The amounts can reach 75,000 USD, the maximum authorized under the personal loan (see law). The repayment tenure is as important as in the case of a new motorbike loan.

What about the motorbike LOA?

What about the motorbike LOA?

Some dealers now offer LOA solutions for motorbikes. The principle is to access a recent racing car by paying rents calculated on the basis of a kilometer package, by choosing whether or not to include maintenance and any additional guarantees. It is possible to buy the motorbike at the end of the contract, subject to paying the amount defined in advance. If necessary, the motorbike goes back to the dealer, who then offers to start on a new LOA formula. Very popular for cars, these LOA solutions are often more expensive than the classic car or motorbike loan. This is in any case what is calculated in our opinion on the LOA.

It is also difficult to estimate upstream the number of kilometers that one will travel at the wheel of his machine. However, in case of exceeding the fixed price defined in the contract, the note is very salty. We prefer to opt for a credit purchase and resell the vehicle after two or three years to settle the loan and consider a new purchase rather than engaging in an LOA.