Easy Loans Without Complexity

Easy loans without complicated, or easy loans directly liquid, various designations of the many types of loans provided by creditors, both bank creditors or creditors that are non-banking.

The purpose of this loan can be used as working capital or additional capital in your business. This credit is very useful for entrepreneurs, both beginners or who have been pioneering for a long time.

Benefits obtained by the debtor

Benefits obtained by the debtor

Some of the benefits gained are:

  • Become the initial capital to start a business from scratch. This can help the borrower to fulfill all his needs in the realization of becoming an entrepreneur.
  • Can be stored so that it can be used if needed. The purpose of this savings capital is so that the operations of the business being worked on will continue to run, if at any time experiencing a crisis condition.
  • The interest from the credit is charged to the funds that have been withdrawn by the debtor, so that the amount of the credit payment can be arranged in accordance with the agreed terms.
  • The payment process is a gradual and regular installment, which aims to ease the burden on the borrower. And the payment term has been determined and written on the agreement.
  • Low payment, provided that it is paid before maturity. Because if it is paid past due, or has not made a payment, then it will be subject to fines or penalties in accordance with the provisions and agreements that have been made.
  • There is evidence of a loan agreement, so from the debtor can know the amount of interest to be paid and will not harm the debtor, should there be an increase in credit interest.

The thing you need to be aware of is that with the approval of the credit you are proposing, it often leaves people stuck or in debt. This is basically not the fault of the creditor, because the creditor himself has provided guidance and informed in detail, both how to use this type of credit and the specified interest rates.

However, many cases that occur are debtors who are inconsistent and arbitrary in the use of credit funds. In the end, of course, the customer will be in debt.

Tips for using loan funds properly

Tips for using loan funds properly

The following are some things you should know, aim to avoid credit debt wraps, so you can use this credit opportunity correctly and correctly:

  • Do not use this type of credit in businesses that take a long time, so they can immediately generate profits.
  • You can use, if in a very urgent condition. But if it is not too important, it is recommended not to use it.
  • Regular payments in accordance with the agreement or conditions set by the creditor, including if the loan has interest.
  • It is resolved immediately, which means you do not need to delay paying it off if it is due or has already paid it off.
  • Running a business with maximum consideration. Make careful planning, and neatly structured, and have alternative plans in case something happens that makes your business not run properly.

Thus all this information is conveyed, hopefully it can help you in using credit, so that it runs well and correctly in accordance with the expectations you have planned and become a reliable entrepreneur. Regards!

Change car loan – save money – it’s that easy

Switching car loans is easily possible because everyone has the right to redeem their “old loan”. Personal creditworthiness determines which loan offer suits the applicant. The relevant comparison shows all relevant offers. Do not hesitate to apply for the loan of your choice right now. You always submit your application without obligation.

Change car loan – starting point

Change car loan - starting point

People typically want to change their car loan in three cases. Either together with the vehicle change. However, they plan to sell the “still financed” old car privately. The second common reason is the maturity of the closing rate.

Interested parties are either dissatisfied with the follow-up financing or it is not even offered to them. Common reason number three is “large” debt restructuring. Existing loans are to be pooled and refinanced. The vehicle is part of the debt restructuring.

It secures the debt rescheduling loan with its real assets. It thus supports proof of creditworthiness. Switching car loans, regardless of the triggering reason and even with poor creditworthiness, enables the loan comparison.

Car loan with vehicle change

Car loan with vehicle change

Switching car loans is a good opportunity to do so when exchanging vehicles. The dealer is happy to take the old vehicle in payment and replace the existing loan.

Change car loan – with a change of vehicle

At the trade-in, he offsets part of the real value as a down payment on the new vehicle. Basically an easy and quick way, but unfortunately not very cost effective.

Change car loan, let the dealer “spoon out the soup” with end-of-life vehicle and credit settlement, he can pay for himself. Of course not in cash, but in the form of a low purchase price for the end-of-life vehicle.

In addition, by less discount on the purchase price of the new vehicle. The bottom line is that the dealer can quickly earn a few thousand euros. Money that nobody has to spend. After all, a 30 percent discount is realistic for cash payers.

The end-of-life vehicle sold privately also brings a lot more to the bottom line.

Redeem cash payer in the car dealership and old loan

Redeem cash payer in the car dealership and old loan

In the loan comparison, not only is cheaper car loan without a down payment offered for new purchases. Most banks also allow existing debts to flow into the car loan.

Clicking on product details creates clarity in the comparison calculator. The advantages should be:

Debt rescheduling of existing loans and free special repayment allowed.

Switching car loans and saving is then very easy to implement. Simply take the total amount as a car loan. In most cases, the motor vehicle letter may be sent to the bank with a time delay. Now buy the new car as a cash payer, with a statistical reduction of around 30 percent. In addition, of course, replace the old loan. This means that the Astro Finance is ready for private sale within just a few days.

As soon as the end-of-life vehicle is sold, it goes online in no time, only make the special repayment and pay off the rest in small installments. Nobody can save more when buying a car by changing loans.

Refinancing the final installment – loan change

Refinancing the final installment - loan change

Final installment loans are a very simple option if only a small car rate fits into the budget. Incidentally, only the real loss in value is often paid for. Unfortunately, the big end comes with the maturity of the closing rate. In most cases, she was not “saved”.

With a simple final installment loan, the car bank suddenly turns upside down. Despite regular installments, she does not want to grant a follow-up loan. Suddenly, switching car loans, third-party financing of the final installment is the only way out. With a good credit rating, refinancing the final installment is of course not a problem.

Simply select a low-interest loan for the final installment, apply, done. However, debt restructuring is often difficult.

Closing rate problems

Closing rate problems

Refinancing the final installment becomes problematic if only very small current installments have been paid beforehand. Then the closing rate roughly corresponds to the real market value of the car.

Unfortunately, this is far from the mortgage lending value. The difference can only bridge the personal creditworthiness of the applicant. But that’s exactly where the shoe presses. When buying the car, the vehicle value roughly corresponded to the mortgage lending value.

Otherwise there would be no loan agreement, at least if the creditworthiness is poor. Since the rates were then chosen too low, the already scarce reserves were “used up”. Because the mortgage lending value corresponds only to a maximum of 80 percent of the real property value. In principle, however, banks can only grant secure loans.

Tip – easiest problem solving

The easiest solution to the problem is the loan application with 2 people. The joint application enables you to switch car loans and still pay small interest.

Credit security is established by the second solvent borrower. Basically, the bank evaluates the common credit rating.

This means that the loan, as required by law, is secure.

Relieve tight budgetary budget – debt restructuring

Many good reasons can cause “ebb” in the household budget. If the condition of a tight household budget is not the exception, it means saving costs.

In other words, the rate load has to go down. Switching the car loan is almost always inevitable.

After all, in many families the auto rate is one of the “big breaks” in monthly installments. If the credit rating is probably not quite as good, it will be difficult to find a suitable partner in the credit comparison. Banks quickly reject debt restructuring in a difficult situation. Switching car loans and debt rescheduling from private loans depresses the rate burden, but the costs increase.

Cream Bank offers the right way out of the dilemma.

Change car loan – Cream Bank

Change car loan - Cream Bank

Basically, the way to find the right debt rescheduling loan is easy to find. Select only the “felt right” offer. Click on “continue” and follow the application route. The loan application is not sent directly to the bank, but to Cream Bank for preliminary verification. The portal’s credit professionals check the loan request under real conditions. With a neutral credit bureau query and all the trimmings.

The immediate approval is given together with realistic suggestions. The optimal way to switch car loans and to finance them individually is thus certain. Cream Bank even guarantees loans. If the company is actually wrong with its proposals, Cream Bank pays “compensation for pain and suffering”.

Summary – change of car loan

Summary - change of car loan

Switching car loans is an issue when changing vehicles, when the final installment is due and in the case of general debt restructuring. Not always choosing the convenient way usually pays off.

When changing loans with a vehicle change, the trade-in does not save the most money. It is more economical to buy the new car as a cash payer, but to sell the old vehicle privately. Cream Bank offers suitable solutions for all credit requests related to car loans. Both the high closing rate can easily be broken down into small installments.

Cream Bank also actively helps to find the right loan solution in individual cases. Using Cream Bank’s loan comparison, changing car loans is practically child’s play and safe.


The simple and reliable alternative to small loans

Are you looking for opportunities for quick and discreet money? Have you already thought of the possibility of a car deposit loan at your car pawn shop in Switzerland? Through the service of your competent partner, you can receive cash loans quickly, reliably and discreetly.

The principle: The pawn value of the pawn is handed over to you when you hand it over and the pawn is kept securely at your pawn shop in Switzerland for the agreed period until the money you need to buy it back is available in liquid form. Which valuables are depends on what you own. Gold, jewelry and watches are the best-known loan items. But there is still one option that very few people think of: the car, motorcycle, camper or classic car.


Car pawn loan as an opportunity to bridge financial bottlenecks in your car pawn shop

Car loan

In many cases, your own car or company car represents a great financial value. In contrast to small objects and real estate, the car is often valuable and liquid enough to bridge financial difficulties and liquidity bottlenecks with its collateral value. Selling small items is usually tedious and time-consuming, whereas selling larger items such as real estate often involves a long process, which cannot always be waited for to be completed. In this respect, the auto deposit loan offers an optimal opportunity to bridge financial bottlenecks.

How does that work at the Swiss car pawnshop? Quite simply: In just three steps you have the money on hand with which you can bridge bottlenecks or make investments.


The three “C’s” for a car deposit loan

deposit loan

Cash instead of a car? This often offers the best opportunity to pay bills. The good thing is: the car is not gone, it is only kept safe until you have the money you need to redeem the car.

The process from car to cash at the car pawnshop is divided into three steps:


Do you need a loan quickly and discreetly and are you in possession of a private car, motorcycle or company car, which is wholly owned by you and has a value of more than USD 6000? Then contact your Swiss pawn shop either online, by email or by fax.

In a first exchange, tell us the exact details of the car you want to mortgage. This concerns information about the model, the year of construction, the mileage and the general condition. We record the data and calculate the value of your vehicle based on the data.


We offer a loan amount based on the calculated value of the vehicle. The maximum loan amount is based on the estimate of the vehicle value and is usually 50-70% of it. As soon as you give your OK to our proposal, it becomes concrete: We make an appointment for the handover. Depending on the urgency, the meeting can take place on working days within 24 hours.


At a personal meeting, we check the condition of the vehicle and discuss and explain the details of the loan to you. For security reasons, it is necessary that we also check your identity. For this reason, we ask our customers to bring a valid ID with them to the appointment. We also need the train pass, the service booklet and all the keys. In return, you will receive the agreed credit in cash or we will transfer the amount to an account you have specified.

During the credit period, the vehicle is safely parked so that you can get it back in the condition that you brought the vehicle to the Swiss car pawnshop.


Take precautions

credit loan

Our goal is to support our customers during financial constraints and to enable investments. The deposit principle has proven itself for a long time and not without reason: everyone knows short-term costs that were not anticipated in advance – be it due to health problems, delayed sales or one-off and short-term investment opportunities.

But we also know that everyone likes their vehicle and it would be a shame to sell the car they loved quickly and badly at a loss, especially if they would like to have this vehicle again later. For this reason, the Funhouse Finance offers you credit flexibility. The originally agreed contract of three months can be easily extended, or the vehicle can be bought back before the agreed contract term expires.

So that everything goes as smoothly as possible for you, we advise you to draw up a plan to generate the money in advance so that you can buy the vehicle back as soon as possible and drive it yourself. If you stick to the plan and the necessary money is available to you again, you can contact us. We calculate the amount of the buyback, which is made up of the loan and the agreed interest rate, and we inform you of this before the meeting. So you can get to the pawnshop directly with the necessary means and start the return journey in your car.


The next steps

Are you interested in a fast, flexible and discreet loan without ZEK / Schufa information? Then visit our website today and find out about the options available to you. We would be happy to advise you and look forward to your visit!

What is a Personal Credit? Find out if it suits you or not

Solving an emergency requires speed. A payroll credit can be authorized up to 5 business days and provide you with the amount you need. However, there are some details that you should evaluate before deciding if this type of loan is best for you. Are you interested in acquiring this kind of credits? Here we give you the details.

What is a payroll credit?

What is a payroll credit?

This is how fast loans are known that do not have a guarantee and whose payment is constant as it is charged directly from your payroll account. Hence its name.

The bank notes that these loans represent 23.5% of the total consumer credit portfolio. This is explained because no external person is required to serve as a guarantee, instead your payroll account is used as a guarantee of payment.

Although this ease of placement makes it a very attractive product, it does not exclude you from generating debts if you choose a type of credit that does not match your income and your lifestyle.

Advantages and disadvantages of payroll credit

Advantages and disadvantages of payroll credit

To make your experience with a payroll credit the best, we recommend you consider the following.


  • It is essential that you have a payroll account.
  • Consider that the convenience of payment should not sacrifice your payroll savings, your current expenses or jeopardize work benefits that are deposited in that account.
  • The loan amounts are based on your seniority and your salary.
  • Includes extra insurance payments and account opening fee.
  • Losing your job or leaving your account without funds would seriously affect your credit payment.


  • The terms, in general, can be up to 60 months.
  • The money they lend you has no specific destination, you can freely dispose of it.
  • If you forget to pay for water or other services, automatic charges for this type of credit may be best for you.

Payroll credit or personal credit, which one suits me?

Payroll credit or personal credit, which one suits me?

Personal credit is an authorized monetary amount that a debtor or client must pay in full, together with the interests stipulated in their contract. A payroll credit and a personal one can mean different use situations. Based on this, we recommend that you consider what is best to occupy.

For example, if you need to make the payment of an urgent medical intervention and you do not have the guarantee and care of medical insurance, but with a payroll account, payroll credit may be an option.

The speed with which these types of loans can be approved and their low interest rates mean that their use does not represent a great risk to the economy of those who request them. Unless, as mentioned above, do not consider what your payment possibilities are without neglecting daily expenses.

Depending on the type of investment you need, you can occupy a personal credit . This, unlike the payroll, lacks a guarantee that facilitates its placement. Therefore, it is likely that the interest rate is higher, in addition to the payment of the monthly payments will not be made automatically, but will depend on the credited.

It is best to look for an option that suits your finances

It is best to look for an option that suits your finances

This option offers amounts of up to 350 thousand pesos with an average interest of 12%. This varies depending on the credit history and the person’s ability to pay, therefore, those with the best credit score will be able to get their credit at a rate of 9.9%.

It considers that, although the bank has registered the average interest rates of payroll credit as lower than that of personal credit , it is important that you look at indicators such as the CAT that includes additional costs to the rate of these products.

How to compare between one payroll credit and another?

How to compare between one payroll credit and another?

Something very common for payroll credit is the collection of life and unemployment insurance. The first is to pay off the debt if you die. The second works as a payment amount in case a labor crisis occurs. Therefore, your monthly payments will not only impact capital, you will also cover these additional costs . Hence the importance of carefully reviewing your contract.

Remember to compare different offers to avoid overindebtedness. If you do not have the financial solvency to make these payments, you may want to find another form of financing that does not involve credit.

Following the recommendations of the National Commission for the Protection and Defense of Financial Services Users, to have a reference of the money we can invest in a payroll loan, all your expenses and your monthly savings are subtracted from your total income, and the result will be the money you can use to pay the credit.

If you still have uncertainty about how to find a credit option that suits you, we suggest you take advantage of the Personal Credit and Payroll Simulator. This page provides you with answers and comparisons to concerns about which is the cheapest CAT or what interest rate suits you depending on your income and the amount you wish to acquire.

Following these recommendations you will have a broad overview of the options available to get your payroll credit and reduce the chances of getting hooked with loans that harm your economy and leave you with unpayable debts.