What is the best consumer credit rate? The question often comes up but is not central. Credit agencies communicate with extremely low interest rates, sometimes below the 1.00% fixed APR, but what about the chances of receiving a positive opinion? We will see how to ensure that we receive a positive opinion at the best rate, and not end up with a refusal following a request based on an advertisement or a false promise.
What is the best consumer credit rate?
Consumer credit includes several types of loans, namely:
- Personal loan without proof
- A revolving credit, also without proof
- Auto credit
- Works loan
- Redemption of credits
It is very difficult to define what is the best rate of consumer credit. The answer obviously depends on the type of project targeted, the amount and the duration. Revolving credit, for example, displays specific features not offered by personal loans, to the detriment of a slightly higher rate on average. The first step in finding the best rate is to know what type of loan your project corresponds to.
Compare rates and get an immediate response
We strongly recommend using a credit comparison tool to find out which is the best consumer credit rate. Our tool precisely guarantees a classification on the basis of the APR rate, the legal reference in terms of consumer credit. Integrating all the largest organizations, it is also connected in real time to their acceptance system.
A simple non-binding credit questionnaire therefore makes it possible both to offer the best APR rates , but above all to obtain an immediate answer in principle. An acceptability rate> 50% (see below) indicates that the loan will be granted, provided that the supporting documents correspond to the information indicated in the questionnaire. In the event of a negative opinion (acceptability <5%) from the first organization, it is possible to request the opinion of the second and third with one click. Or three chances to get a pre-agreement at the best APR rate, with no unpleasant surprises on arrival.