Have you reached the limits of your credit cards? Here’s what you can do!

For many, obtaining a new credit card marks a transition from adolescence to adulthood. Having the ability to buy what you want and pay later can be exciting and give you a sense of autonomy. It’s easy, though, that this new buying tool can trap you. You spend money that you do not have, and before long you are at your limit. You apply for a new card and the process is repeated; it is not long for you to find yourself in a difficult financial situation.

Getting rid of such a debt will require sacrifices and will take preparation, planning and commitment on your part. When you succeed, however, you will have established good habits that will help you throughout your financial life.

The following strategies will help you overcome the challenge:

Do not spend more on your cards

You can not continue to borrow to get out of your situation. You no longer need to apply for new credit cards. You must also stop using your existing cards. Some even go so far as to put a literal freeze on accounts by immersing their cards in a jar of water in the freezer, a question they can not be used capriciously.

Prepare a budget

If your cards are at their limits it is often because you have lived beyond your means and you must prepare a budget. Calculate your essential expenses: your accommodation, service accounts, insurance, transportation and groceries. You must exclude from your budget anything that is not necessary, such as outings and dinners at the restaurant. Your budget should not include more than what is needed and your debt payments. (Click here for more budget tips)

Once you have created your basic budget, you can afford to add, if your income allows, occasional outings. By having a budget to entertain you, you will be more likely to join!

Increase your income

If you have an expenditure problem, it is possible to reduce the sacrifices needed for your budget by finding a part-time job. Or, if you have valuables that you no longer use, you can arrange a garage sale or online auction. You can also keep the children of a friend or loved one. Be creative and use your talents!

In addition to finding new sources of income, it is important to start saving. Try renegotiating some of your monthly expenses, such as your insurance or telecom plan. Take advantage of flyers and coupons to lower your grocery bill. Find ways to save money and you may even find your budget without having to supplement your income!

Open a savings account

You are looking to reduce your credit card debt, so the idea of ​​putting a sum aside savings account seems a little paradoxical. However, life is full of surprises and a savings account that you contribute to on a regular basis allows you to better absorb the unexpected costs of everyday life without having to borrow.

Contact your creditors

Talk to your creditors. If your payments are too high and you are concerned that you may not be able to meet your obligations, it is important that you call the card issuer and negotiate new payment terms. It is possible, by negotiating, to find you with a more favorable interest rate or a payment route that better meets your ability to pay.

Creditors, especially credit cards are used to situations like yours and they will do their best to help you. Yes, they want to recover their capital, but they know that the best way to accomplish this goal is to help you find a way to pay within your means. Just like you, they do not want to see you fail at your payments: a loss of money does not interest them.

Develop a debt payment strategy

You must now attack your balances. You can do it in many different ways: some prefer to pay the lowest balance first and see results faster, while others prefer to save by paying the balance with the highest rate first. There is no magic recipe, but if you manage to pay a full balance, it is important to take the money you have spent on this account and start paying your other debts. By honoring this commitment, you will be able to get rid of your debt before it leads to more serious difficulties.

It is difficult to live with a large debt. Your accounts are certainly a source of constant stress in your life. By applying these strategies however, you will be able to succeed without this overwhelming debt. Once you have reached your goal, you will have the habit of saving and keeping a budget. This will even save you money in a serious way and maybe even invest and better prepare your financial future.

What companies offer refinancing of loans?

Could you tell me what companies are offering the refinancing of loans in Spain?

Because it is something that many are not aware of also because of the type of service this is.

It must be said that refinancing is a type of loan that is often confused with other more usual credits such as the grouping of loans .

And although they have some similarities, especially in the way they are processed, reality is that there are many differences between them.

It could be said that the refinancing of loans is in the hands of private equity companies as well as financial intermediaries.

It all depends on how you want to take the operation because the usual is that these operations can be carried by private equity or through a bank.

There are companies and intermediaries that are specialized in the refinancing of these operations through a bank.

That is, these financial intermediaries do what they do is negotiate directly with the creditor entities that have signed the loans trying to readjust the loans to the situation of their clients.

This would be in my opinion the ideal option although also the most problematic to hire.

Why the choice of financial intermediaries in the refinancing of loans can be problematic?

It can be for several reasons but the main one is because these intermediaries do not work for free.

You will not see any of these try to renegotiate debts with your creditors without having charged for it.

These people do not work on such a clear commission, so it is a problematic option for many people.

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In refinanciacion-deudas.es we are clear, if you do not want to have to pay one of these intermediaries do not hire them period.

What you can not hope for is that these people work for you for free because they do not have to do it no matter how good your operation is.

As an alternative, you can try to contract with refinancing companies, although most of them require working with endorsements.

You can also do some management to renegotiate with your creditors but it is not usual.

The private capital option we have to say we usually recommend it especially when what we are looking for is the refinancing of unpaid loans .

If you have debts or unpaid loans, trying to refinance a debt with your own entity is almost impossible.

There may still be some kind of margin through the private finance companies, not in the loans offered by the bank.

Do you usually specialize in this management?

Yes, it is one of the usual characteristics of the companies that offer this service, which is why they do not usually offer similar services or management.

Most more than offering different loans are focused on refinancing because they know the competition is lower.

A company that is good at refinancing operations knows that it will always have a demand as it is a demanded service between people and companies.

They are mostly companies in fact who can most request these services, although there is everything.

Refinancing of loans and debt grouping

Pawn of vehicles and loans in guarantee of cars and motorcycles

Although there are many products in the endeavor, today we will treat vehicles .

This is what we want to do in refinanciacion-deudas.es because we know that it is a loan that generates interest among people.

Especially because if you make good use of it can be quite useful.

Of course, that does not mean that we can not talk about the characteristics of this financing, whether they are good or bad.

As always we search from our website what we do will inform people about the advantages and disadvantages of car or motorcycle.

Because this is what we talked about when we mentioned the commitment, this can be signed both on car and on motorcycle.

Pawn of vehicles and loans on cars and motorcycles For what is transacted?

This financing to be processed through private capital is used primarily for two things, to get fast money and to solve problems.

Among the credits that we can recommend to solve complicated cases the effort is one of the best.

Especially if the person requesting the money is looking to make the cancellation in a short space of time.

Because if what you are looking for is a loan with a long term, this option could never be advised.

And not because you can not but for cost.

You have to understand that being an endeavor the financial cost is medium or high depending on how you look at it.

Consequently we must make use of this financing for a short term and having clear the return of the capital.

The typical example that we usually use to demonstrate the utility of the endeavor is to get out of the asnef.

Let’s say that Gabriel needs a loan of € 2,000 to get out of the job.

You need it quickly knowing that once the debt is canceled you can go to your bank to ask for a new credit.

One of the options that this client could raise would be to sign the commitment to cancel the debt in the registry.

After having canceled the debt in asnef the following thing would be to go to the bank to ask for a new credit in order to cancel the commitment.

This is how you have to use the effort, for money to solve problems that bank can not solve.

In case you can not get a bank loan or other type of subsequent financing you have to be able to make the cancellation for your account.

Characteristics of car loans

  • It is a loan that uses as collateral a vehicle, be it car or motorcycle.

However there are financiers who do not accept motorcycles as collateral in the operation.

  • The financial does not take into account aspects such as the asnef, the absence of income or the indebtedness of the client.

That is why it is said that it is one of the ideal options for when you are looking to sign a difficult loan .

  • They are usually made short-term operations but for power the customer can make the return with a medium or long term.

It is not advisable but you can do it if you need it.

  • The cost is usually between 2% and 10% per month plus a rental.
  • The vehicle loan can be made in deposit or in circulation.

Each company works differently in the commitment of vehicles.

How to renew your home with a payroll loan

Turn your house into the oasis you’ve always wanted

Thinking about the renovation of your house and all the accessories you want to buy for your favorite spaces is a great dream.

Many times the only impediment to achieve this is economic resources because the basis of our beliefs is that to make such remodeling you need to invest large amounts of money.

Well, I have good news for you: it does not necessarily have to be that way. Below we present the tips you must follow to make the renovation of your home a fact, without any problem.

Order and get rid of useless things

Take a piece of paper and a pen and make a list of the things you can reuse, of those that no longer serve and that you have to buy.

Thinking about the renovation of the house involves a lot of work, especially in the cleaning and in the rubble of each corner.

This will help you to know and remember all the things you have saved for months and even years, you will surely find something that deserves to give you a space, if not, then it is better to get rid of those objects.

Play and make a rearrangement of elements

It always happens that we get bored of seeing everything in the same position and we can come to believe that furniture is outdated and a renovation is needed .

Before deciding on the things you are going to do without, try to move them, you could take a surprise and find a better location.

For those things you want to buy, you can always invest either with your savings or with the support of a loan such as those granted by Credifiel.

Acquire new lamps and curtains

Both elements favor natural and artificial lighting.

If you know how to make a good combination between both, you can give a new touch and style to your home without the need to invest large amounts of money.

Take advantage of the windows and any light input you have, being careful not to obstruct them with the type of decoration you choose: let them be the focal point.

Change the color of the walls

A change not so big but that can make huge differences is to change the color that predominates in the walls.

This is a way to renew spaces without much work and optimizing your investment: choose a palette of three colors, ensuring that only one of them is deep and the other clear.

That will allow you to play freely with the rest of the decoration as well as the use of light, a very important factor to give that air of renovation to your home that you are looking for.

Consider a credit

Regardless of the amount of money needed, something that is true is that most of the time you can not have that resource in a single exhibition.

What would happen if right now they offer you the possibility of a total renovation of your house at 50%? Would you waste it? Of course not!

For those moments, the solution is always to find the best clear credit option , once you have determined the total amount you need to request to be able to make the necessary changes and adjustments.

As well as these options, there are many more in which you do not necessarily have to invest large amounts of money and on the contrary, you can allocate your credit for arrangements such as a change of doors, windows or security implementation.

A house renovated and completely to your liking will make you feel happy and you will also get more experience in applying for credits. Make the changes today.

Having a small house has advantages, do not you think?


Most people imagine a huge house when they think of the house of their dreams : two floors, garden, swimming pool, garage, numerous rooms, several bathrooms The problem is that the selling price of these houses is high. In addition, maintenance costs, electricity consumption , decoration are also higher … Not to mention that the cleaning tasks never end. Faced with these large and expensive homes, a smaller house can be much more welcoming and economical . Here we show you some of the main advantages of having a small house.

Reasons to live in a small house

  1. It is more affordable.

The main advantage of a small house is its purchase price . By having less less construction, the purchase price is more affordable and is available to more people .

Also the expenses related to the purchase (in case you ask for a mortgage) and the associated taxes will be lower, so the necessary saving effort will not be excessive . Remember that most banks only finance 80% of the appraised value, so the rest will have to be paid by you.

  1. It’s cheaper to maintain.

The one who has a house in the property will give us the reason with this point. The maintenance of a home is quite expensive, as well as the payment of their corresponding annual taxes (such as the dear IBI ).

The larger the house, the higher the electricity consumption, the higher the cost of heating, the higher the cost of renovation … The cost of painting the walls (something that is done every few years), replacing the doors if they are old or renovating the floor doubles and triples in large houses.

Special mention to the topic of cleaning. Because let’s not fooled ourselves: cleaning the house is a nuisance. An added advantage of houses with little space is that there is also less space to accumulate dirt, so cleaning is faster and less expensive. Not to say that you can order the house in a seen and not seen.

  1. Needs less furniture.

We all like that our house is “cuqui”. The problem is that “cuqui” is expensive or very expensive. Therefore, it will be much easier and cheaper to furnish and decorate a small house. The rule is simple: at least square meters, less furniture .

If you also opt for a minimalist or Nordic decoration, you will achieve an appearance of spaciousness and avoid feeling overwhelmed by being surrounded by many things. We recommend that you let space breathe and not overload the rooms.

  1. You will make more life outdoors.

People who live in small houses tend to make more life out of it. In the absence of gardens, swimming pools or large green areas, if you have nothing to do at home and want to avoid feeling overwhelmed, you can enjoy a walk, play sports or go out into the country.

Oddly enough, your social life could be enriched by living in a small house. Maybe even more leagues!

Do you need more reasons to choose a small house? If your apartment is small, think big and enjoy its advantages.

Home insurance: Why do I pay more than my neighbour

Hiring a good home insurance is essential to sleep without worries. Home insurance allows us to ensure our home and belongings in the event of a catastrophe. On the other hand, it offers coverage and assistance before certain eventualities that could cause us an economic loss.

However, not all home insurances are the same. There are cheaper and also more expensive. The continent of the house and its content are the two variables that determine the final price of the policy. This is the reason why perhaps, having the same house as your neighbor, you pay more for home insurance than he does.

Home insurance: EVERYTHING you have to take into account

What is the continent?

If you could take your house and put it upside down, everything that would not fall would be the continent: the walls, the ceilings, the floors, the electrical installation, the pipes, a construction pool, the terrace, etc. Everything that is fixed to the property and is within the enclosure of it, forms its continent.

Therefore, the continent is the construction value of the empty house. To calculate it, the square meters and the construction price are taken into account, which is a function of the type of housing in question (a luxury flat is not the same as a mid-range townhouse).

When insurers set the price of the insurance they have the account that they have to guarantee the cost of an accident that could suppose the total or partial destruction of the property.

What is the content?

Following the example of the initial example, the contents of a house would be everything that would fall when it was turned upside down: appliances, furniture, decoration, jewelry, a computer, etc. The greater the value of all these things, the higher the price of insurance.

It is very difficult to guess the value of the contents of a house. It would be necessary to take all the invoices and add them, and even then there would be errors. For this reason, it is common to use the 30% rule, according to which, for a fully furnished apartment, the value of the content is around 30% of the value of the continent (excluding items of special value, such as jewelry).

Home insurance: how to choose the best?

To choose the best home insurance you have to be very clear about what we want to ensure and why it matters. A good insurance would be one that does not ensure less (underinsured), but not too much (over-insurance) . In either case, there could be problems with the insurer in case of an accident.

Most of the time the key is not to pay double for some coverages. If your home is part of a community you should check that the policies do not cross covering the same thing, because if so, you would be paying more without being necessary.

Similarly, if you are the owner of an empty home that you exclusively use for rent, you may be interested in ensuring only the continent. On the contrary, if you are the tenant, what you will be interested in will be the content.

Five reasons why you should start saving when you are young

Saving is necessary to enjoy a healthy domestic economy . Think coldly: if you spend all the money you pay, you are just a payroll of indigence. To prevent this from happening, you should save at least 20% of your monthly income . Despite this, many people postpone the decision to start saving.

With phrases like “Today I can not, I’ll start next month”; “This month no, better when a new year starts” or “It’s still early, I’ll do it after 40” , they postpone indefinitely the decision to start saving . The consequence is that they never save .

In our opinion, the best time to start saving is when you are young and you generate your first income. The expenses of a twentysomething are much lower than those of a parent with a mortgage , so that this early age is perfect to start generating personal assets.

Why should you start saving when you are young?

These are some of the advantages enjoyed by people who start saving when they are young:

  1. They benefit from the power of compound interest.

As we have already explained on numerous occasions, compound interest is your ally when you invest. Thanks to him you will be able to see your money grow while you reinvest the profits that you are getting . And there is a fundamental factor for this process to work: time. The sooner you start, the greater the benefits you get.

  1. They do not need to borrow.

Young savers do not need to pay in installments the purchase of a new smartphone. Nor do they need to ask for a loan to buy a car . In addition, they can travel without using the credit card and have easier access to a mortgage. The savings gives them a plus of security that allows them to live without needing to borrow money.

  1. They can undertake with greater guarantees.

A person who is in his thirties with some savings can afford to start a business with more guarantees than someone who does not have a single euro in the current account. Saving is the safety net that allows the entrepreneur to make decisions with a view to the long term, and not worried about the need to generate income from minute one.

  1. They live more relaxed.

Someone who manages to save 300 euros a month periodically since he is 20 years old, even without having invested a single euro (which would have been an error), when he reaches forty he will have a very important security mattress . This will allow you to live without frights or fears.

An expensive repair at home, the renovation of the car or the children’s university will not be a problem for them.

  1. They can achieve financial freedom.

A person achieves financial freedom when he does not need to work to cover his daily expenses . This can be achieved through passive income or through savings. In both cases, it will be much easier to get for a person who starts saving and investing when young.

These are just some of the many reasons why you should start saving now if you are young. Or at least to inculcate the habit of saving your children if you have already seen thirty past the rearview mirror. Do not leave for tomorrow and get the batteries today.

Student life: what is good, what is bad and what is expensive

Student life brings with it costs that can not be avoided. However, he has many tips and advice to make the financial situation more pleasant and easier to manage.

There are also many factors that will determine the cost of your studies: the choice of university, the books you will need to buy, housing, transport, etc. All of this, of course, adds to the cost of a healthy student life: outings, trips, activities, etc. Although it may seem difficult to manage, do not worry. Developing a structured budget could help you organize your spending well and spend the money wisely. A good budget will allow you, in short, to have a rich student life both academically and socially.

The budget

Budgeting should be one of your priorities before the beginning of each academic year. It will not be nice, but it will guide you throughout the year to remain responsible and to enjoy a healthy student life.

  • Make a written budget: Write a list of all possible expenses you may have. Include food, entertainment and, if you live outside your home, the cost of the return trip. When you go to see the list of expenses, you’ll be a little scared at first. But, believe it, it’s better to be surprised now than when that happens.
  • Identify your financial habits: Everyone manages their money differently. Be honest with yourself and try to identify your personality type. If you prefer public transportation to get to school, then plan a little more money for the “transportation” category. If, on the contrary, you like outings with friends, give a larger sum to the “amusements” category.
  • Add it all up: Once the list is fine, add up the expenses and compare them to your income, savings and student loans.
  • Review It : It’s important to make sure your expenses do not exceed your income. If this is the case, then review your priorities and find out where it is possible to make cuts. By making the decision beforehand, this will allow you to be safe, psychological and financial throughout the year.

Be organized

Being organized is a quality that will be useful to you not only during your studies, but in your life in general.

  • Keep an eye on your budget: If you have a budget, do not forget to follow it. Having a budget is a good thing, but if you are not overseeing your expenses and going beyond your limits, then the budget is not going to help. Keep your receipts and write down all your expenses.
  • Organize your business well: In order to stay organized, buy a binder in which you will insert all invoices and receipts. Also, if you benefit from financial aid or student loans, it is important to organize the papers so as not to get lost. Separate your binder into different categories: receipts, official papers, etc. So you will not be lost when you need it.
  • Have a bank account (check and savings): It is important to have a bank account. Even more important is having a checking account and a savings account. This way, you will be able to see what your expenses are and what your savings are. Also, this would allow you to keep your money in your savings account and transfer only the amount of money you need at the beginning of each month. This will save you from spending all of a sudden.
  • Anticipate the unpredictable: Your budget may already be tight enough. On the other hand, it is always advisable to put some money aside for an emergency or an unforeseen event. You never know when your car may need repairs or, if ever, a travel opportunity at a cheap price is offered to you.

Earn money and spend it wisely

Studies must be your number one priority. However, having a part-time job to pay for your books and outings is always an asset. In addition, it is never bad to have some extra money.

  • Find a job: Studies will take a lot of your time. On the other hand, a part-time job, even a few hours a week, could make your financial situation easier. Many students are forced to work throughout the year in order to pay their tuition fees. Take inspiration from them and try to insert a few hours of work into your schedule.
  • Avoid the University: Try to find alternatives instead of buying your school books at full price. Go for websites or look for someone who sells his old books. Ask friends if they know someone who has already taken the same course in the past. Finally, buy your office items (pen, pencil, etc.) in stores offering discounts. Quite often, the prices in your university bookstore are doubled.
  • Avoid the car: If you do not need a car at school, do not take it. A car is a big expense even if you rarely use it. The parking price alone is a big expense in your budget. Opt for public transportation instead.
    • If you ever have a vehicle, it would be possible to use it as collateral for a loan
  • Choose wisely your activities / outings: As a student, you are often exposed to a lot of activities. Make sure you make the right choices. He is very fond of spending all his money on night outings with friends. Pay attention and respect your budget.
  • Take advantage of student discounts: Many places around your campus offer student discounts. It may not be a huge help, but it can do the trick. Ask the Student Help Desk at your university for a list of places that provide this type of discount. This way, you will be able to plan your outings in advance, which will save you some money.
  • Scholarships: Apply for all possible scholarships. Your school must have a large list of scholarships. Why not benefit then? It does not matter whether the amount is small or big. A scholarship is a financial aid that no one should refuse.
  • Desires vs. Needs: Learn to distinguish between your desires and your real needs. Being a student does not mean bathing in luxury. So, by resisting your temptations and your desires, you make sure you have a healthier and more stable financial situation in the long run.

Student life is filled with stress and there are financial responsibilities. So your money should be your priority. You do not want to worry about your financial problems during the mid-term or during the final exams. By being organized and having a budget, you avoid this kind of stress and, in fact, take another step towards success.

Oktoberfest: The best beer tents at the Oktoberfest

From September 22 to October 7, there is again a state of emergency in Munich. Over 6 million visitors from home and abroad storm the beer tents at the Oktoberfest. But unfortunately most non-Munich people stumble aimlessly into the next best of the 14 big and 15 small marquees. If you want to know which tent it pays off for you to stand patiently and hopefully in costume, here are some decision-making aids to the most beautiful beer tents at the Oktoberfest.

Oktoberfest: The best beer tents at the Oktoberfest

Hackerbräu Marquee

It is not only because of the playful little clouds that hang from the blue tent ceiling called “the sky of Bavaria”. Everyone wants to go there, because the Hacker-Pschorr beer is super-tasty and the audience remained young to young. Party mood with Oktoberfest hits until curfew.


It is the oldest of the Wiesn marquees, but the audience is young. In this tradition-rich tent, the Munich mayor taps the first Oktoberfest beer a year. Without the famous call: “O’zapft is!” Beer is not allowed in any other tent. Spaten-Bräu is served here, a rather light beer for the Munich Oktoberfest, but please do not underestimate it! This is where the youth of Munich and many students meet. “Oans, zwoa, three, g’suffa” – and go on the party.

Hofbräu tent

The largest, wildest and most international tent on the Oktoberfest. Here the bear rages from the first to the last moment of every Oktoberfest day. Many Australians in carnival scraps, which they think are dirndls or lederhosen. Anyone who does not bother with traditional style-style derailments or various comasers can easily make international ties here. The only tent that pampers its audience from morning to night with Oktoberfest hits and oldies like “Who … is Alice?”, Which encourage you to join in the bellowing. Nowhere else do you see so many measure-on-ex-stemmers. The Hofbräu beer is one of the strongest at the Oktoberfest.


This is Munich’s most popular beer and yet it is a rather traditional tent, with an old-Bavarian-rustic ambience. Here you can still find the traditional Oktoberfest feeling and meet many Munich. In Augustiner you can also take grandpa and grandma. Here is celebrated across generations. The beer is freshly tapped from the traditional wooden barrels. A special taste experience!


In the yellow-blue ambience, mixed audiences feel at ease, the “Gay Sunday” on the first Oktoberfest Sunday is very popular.

Käfer Wiesn tavern / Marstall / Kufler’s wine tent

Here celebrates the Munich chic and the money nobility. No entrance without reservation. Since you can only times to take a breath in front of the entrance to see maybe a celebrity scurry past or grab an autograph from a Bayern player in front of the stables.

So you do not run out of money on the Oktoberfest – the small loan from Nora Helmer

The beer measure costs in all beer tents at the Oktoberfest meanwhile already around the 11.50 Euro and at one it remains known rarely. Hendl, Obazda, roast pork, Steckerlfisch and Co are in the beer tents at the Oktoberfest very expensive, but once a year you treat yourself. Everything tastes delicious and homemade. Guaranteed a culinary delight, if you eat, before you have drunk too much beer.

At Nora Helmer, you can apply for small loans online and get approved in seconds – with no paperwork and no salary requirements. After only 24 hours, you can freely dispose of the money and enjoy the atmosphere, beer and Bavarian delicacies in the beer tents at the Oktoberfest.

8 reasons to request a loan with RapiCredit

Getting out of an emergency financial situation was never as easy as now with the help of RapiCredit.

Who in a country like ours have not delayed the payment of the payroll? That is to say, what Colombian can say that he has never been short, finishing the fortnight or the month? Very, very few could be said.

For that reason, many have to go to ask for extra help to solve a certain situation and of course, when it comes to silver, skimping on finding out the best alternative is not enough.

RapiCredit emerges as an ideal alternative to solve an emergency economic situation . RapiCredit is a free, short-term online lending platform that is easy and safe to use.

It is free so those who request it decide how much money they need and the period of time to pay it. This is a service that works through a digital platform, without the need for physical procedures, therefore its service is flexible and fast.

If this is your case and you are considering requesting a short-term loan, here are 8 reasons why your first choice when making it is undoubtedly RapiCredit.

1. Free: Request your credit is free.

2. Comfort: Disbursement directly into your bank account.

3. Ease: You do not have to fill out long forms or give guarantees.

4. Web service: No rows, no paper forms or inattentive employees.

5. Transparency: RapiCredit shows the costs of your loan before you start the process of your application.

6. Speed: You will have your money in your bank account in less than one business day (depending on your information and the bank you use).

7. Availability: You can have the service every day, at any time and from anywhere.

8. Privacy: Your friends and family do not have to know about your needs.>