The Astro Finance personal loan makes it possible to finance every conceivable project, without having to justify the use of the funds. Presented as a need for money, it can finance a trip as well as a new used car. Compare the rates of this personal loan with those of other major credit agencies.
The Astro Finance personal loan in detail
The Astro Finance personal loan is a credit allowing you to obtain money to use freely, without having to justify yourself. It differs from group loans targeting a defined project, such as the Astro Finance car loan or the works loan. Let’s list everything you need to know about this personal credit:
- Amount: from $ 1,000 to $ 75,000.
- Duration: 12 to 120 months maximum.
- Personal loan without proof of use of money
- The APR rate is fixed, implying identical monthly payments every month.
- Astro Finance offers the electronic signature of the personal credit contract, facilitating its rapid obtaining.
- It is possible to repay all or part of the Astro Finance personal loan in advance.
- A monthly break is authorized every six months, in order to manage the unexpected.
Astro Finance does not ask the borrower to justify himself regarding the use of the funds, unlike a project loan such as the works loan or the car loan. This does not prevent the organization from asking for all the usual proofs of consumer credit (identity document, proof of income and address).
Is Astro Finance Personal Loan the Best?
Astro Finance, one of the oldest and most reputable credit institutions, is expected to offer a personal loan at the best rate. We will have the answer by comparing the APR rates of the specialist with those of other big names in consumer credit (personal loan Bankate, Viloan, etc.).
|For a personal loan of 10,000 $ over 48 months||Fixed APR rate||Monthly fees||Total cost of credit|
|Astro Finance offer||3.30%||222.45 $||677.60 $|
|Second best offer||3.60%||223.75 $||740,00 $|
|For a personal loan of $ 15,000 over 60 months|
|Astro Finance||3.69%||273.74 $||1424.40 $|
|Auto Credit \||4.29%||277.66 $||1659.60 $|
The $ 10,000 Astro Finance personal loan over 48 months is the best on the market at the time of our comparison. The organization also ends on pole on a credit comparison of $ 15,000 depreciable over 60 months, confirming its status as a major player in consumer credit. The APR rates observed are likely to change over time. It is for example common for a specialist to position himself at low rates over a specific period or amount during a promotional period. Comparing the best offers at the time of the request can save hundreds of USD.
Can a bank match the Astro Finance personal loan rates?
Banks are generally lagging behind when it comes to comparing personal loan rates. Above all, they mostly oblige the borrower to open an account before making a cheap personal loan offer. It should be emphasized that only the best bank customers will have access to a personal loan. The few elected officials are individuals whose incomes are significant, or who justify a very stable situation over time.
Finally, the APR rates offered by banks are almost never up to those of the best organizations. If in doubt, it is always possible to inquire by requesting an appointment with your bank advisor. However, we advise you to bring an online credit proposal, in order to have a good means of negotiation.
How to get a Astro Finance personal loan
The Astro Finance personal loan is obtained by entering a “need for money” on the site simulator. Let’s take a look at how to get it step by step:
- On the simulator of the Astro Finance site, you must select “need money”, its amount and the desired repayment period in order to obtain the personal loan offers.
- The organization displays the proposed APR rate, and details all the credit conditions (APR rate, monthly payments, total cost). It is possible during this stage to modify the amount and the monthly payments.
- By clicking on “I apply online”, you access the personal loan form.
- The request is made in four small stages (project, identity, situation, budget).
- Astro Finance guarantees an immediate response in principle to any request for personal credit.
- In the event of a positive opinion, it is possible to sign the contract online, using the telephone number.
- The funds can be made available from the eighth day following the date of acceptance of the loan.
- The borrower has 14 days to withdraw once the credit has been definitively accepted, according to law.
Our opinion on the Astro Finance personal loan
The Astro Finance personal loan is offered at very competitive rates, as evidenced by our comparison. The CreditCole group’s organization has extensive experience in consumer credit. The processing of files can be done online, thanks to the electronic signature. A quality mobile application is also available in order to follow the good repayment of the credit, ask for help or simply find out about another product.