Transfer Loan and Save Immediately

We have known it for years, but transferring your loan pays! So do you have one or more loans? Then you can most likely save money considerably! This is possible with the current historically low interest rate in 2019. Just as with the interest on mortgages, the interest for borrowing money is historically low. It can be interesting to transfer your loan (s) with Lucia to one new loan. Whether you can save depends on the interest that you now pay. The older your loan and the more different loans the greater the benefit.

 

Why should you reschedule?

Why should you reschedule?

The cheaper the better is our motto. Fortunately, making your loan cheaper can be fairly simple. If you choose to take out your loan at a lower interest rate, you can easily save tens if not hundreds of euros. We offer the lowest possible interest rates that are available in the market. Lucia has been working for years with reputable banks that specialize in consumer credit. You do not have to pay us anything to transfer your current loan! We do not charge additional costs such as closing costs, but are directly rewarded by the banks.

 

Specialist in loan refinancing

loan refinancing

If you have multiple loans you have come to the right place. We specialize in combining several loans into one new loan, whereby you could save on both the interest rate and the monthly payment. This of course depends on your own wishes, so paying off your loan faster can also be an objective. And then you usually pay a higher monthly installment.

 

Which loans can you transfer?

Which loans can you transfer?

There are all kinds of different types of loans, from different lenders. In almost all cases we can be of service to a better proposal. This applies to the following loans, among others:

  • Personal loan and revolving credit from for example WNG, BoraBank, ABS-ANFRA, Saintbank, Fanqus, Hi-Y Bank, and Mander
  • Redemptions on the payment account of major banks such as, BoraBank, ABS-ANFRA or SSN
  • Credit Card from Mastercard, VISA or ICS
  • Shipping house credit such as Hehkamp and ​​Nackermann

If you are not in the form of a loan or bank, just contact us and we can immediately check with you to see if we can make you a cheaper and better proposal.

 

Transfer your loan online, so clearly arranged!

Transfer your loan online, so clearly arranged!

At Lucia you can completely refill your loan online. This starts with the online application process and, whether you want a quote for a revolving credit, WOZ credit or personal loan, at Lucia you will receive the most favorable options by e-mail at home. All this completely free and without obligation . Do you want to receive multiple quotes? Then you can simply state that and we will send you several quotes. You can then figure this out at your leisure and determine whether you want to continue with this.

 

Why Lucia, are we cheaper than another?

Why Frisia, are we cheaper than another?

That is not what we claim. Our experience is that we are often cheaper or at least offer the same interest as a competitor. We would be happy to show whether this is also the case in your situation. This will only take you a few minutes of your time. If desired, you can request multiple quotes at once with our quotation module, which you will receive in your mailbox. This way you can see exactly what you can borrow and at what interest rate. In addition, we do not charge additional costs such as closing or advisory costs for our service and services. You can request a cheap loan from Lucia.

So:

  • You can transfer your loan completely online
  • You will receive an insight into your potential savings by email
  • We offer you the lowest possible interest rates from the banks for which we mediate
  • We arrange the complete transfer of your current loan with your old bank
  • In short, we invite you to apply for your cheap loan from Lucia!

 

Take the test …

You can take the test for free and without obligation by requesting a quote. You will receive a quote from us by email. Naturally, a quote does not oblige you to anything.

 

See What to Evaluate Before Applying for a Credit Card

what to think before applying for a credit card

Applying for a new credit card may seem like a simple task. However, the variety of options available in the market can turn this undertaking into something more complex than imagined. Each card has peculiarities that can fully meet the desire of a certain consumer profile, but not the one of diamonds. Below you will find some tips for evaluating the hiring of a new card. And thus, do not regret the service purchased.

 

The ideal bank to tow my credit card

The ideal bank to tow my credit card

Financial institutions in which you already have a current account or other contracted services may be the first option to be evaluated. A good history of relationship with the bank, such as up-to-date payments and account use to receive your salary, for example, are possible facilitators to negotiate a lower annuity or a credit limit that meets your expectations. In addition, attaching the new credit card to your checking account can provide important expense control and invoice payment assistance.

This, however, is not a rule. Listening to proposals from other institutions can lead you to better values ​​and better match your profile. So, research before closing a contract.

 

Credit Card Limit

Credit Card Limit

This is perhaps the most important item for the consumer who wants to have a new credit card in hand. This amount will be stipulated by the bank to which your card will be attached. As we said above, having a “good client” relationship with a financial institution can help negotiation. But it may not be enough to meet your need.

You should evaluate well what your real need is for a certain amount to use as a limit. (it’s no use using the card and you need a personal loan to pay it, right?). The fact that one bank offers a higher limit than another should not be the only factor to be taken into account for your choice. Here are some tips on how to know the ideal credit card limit according to your consumer profile.

 

Credit card interest policy

Credit card interest policy

Each credit card profile has a specific regulation regarding the revolving interest rates charged to the customer. You probably do not have in mind the idea of ​​delaying the payment of the invoice or parceling its value. Even so, it is essential to keep an eye on the table that the bank instituted at the moment of the credit card offer. The fees for this type of service are usually quite high and can lead to problems for payment in the future. Evaluate well and negotiate such values ​​before making the hiring of the card.

 

Amount of annuity

Amount of annuity

The annuity amount will be charged periodically from your card until its expiration expires. There are many instances of financial institutions that offer the first free annuity. Or, even, free cards of this fee until the contract is terminated. In this way, compare the values ​​offered by each bank before hiring.

 

National and international credit cards

National and international credit cards

A valid credit card outside of Brazil usually has higher maintenance and interest rates. If you travel abroad regularly or usually shop at international sites, opt for the international mode. But if you do not have this profile, a national credit card can fully meet your needs. And mean savings with annuity and other fees.

 

Benefits that credit card can offer

Benefits that credit card can offer

Most credit cards offer benefits that can make your credit card usage more attractive when it comes to shopping. If you are a frequent user of this form of payment, programs that accumulate points according to use can be a great advantage. There are cases of offers where you already start using your credit card with bonus points offered by the financial institution.

In the Brazilian market, many physical and virtual stores that have their names attached to the card offer discounts on purchases of products on the premises. If you are a loyal shopper, you can benefit from this extra discount. This includes airfare purchases and accumulation of miles, books, electronics, supermarkets, among others.