Are you looking for the best loan and are wondering if it is better to ask for a loan at the post office ? Let’s try to understand together which are the positive aspects and which are the negative ones related to the Cream Bank general loan.
Recall that this is a classic personal loan, with the pros and cons common to other types belonging to the same category.
Before seeing the peculiar characteristics and the advantages / disadvantages, however, remember that what allows someone to answer ‘it is better to ask for a loan from the mail’ in a positive way, it is not said that it coincides with what is useful and important for someone else.
Should I ask for a loan at the post office with Cream Bank?
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If you are looking for an even high sum, which is still between 3 thousand and 30,000 USD, then you may also think that it is better to ask for a loan at the post office. That said, you will have to settle for a not very long duration: from 24 to 84 months.
So this is a duration that will be good for those who do not want very high sums, while for those who aim at the maximum, as a loan of 30,000 USD could lead to having to repay installments that are too high.
On the other hand, it can be a positive aspect that in order to apply for the Cream Bank loan you do not have to be a Swiss Post customer nor do you already have a checking account with you.
It is better to ask for a loan at the post office: rates and costs
If you are wondering if it is better to ask for a loan at the post office, you probably assume that the loan will be assessed and possibly granted and managed by Poste Italiane. Instead, Swiss Post relies on external banks for this type of product.
In particular, the request for the Cream Bank loan will be sent to Lite Bank, which is the issuer and the evaluator while Poste Italiane acts as a placement agent.
So as far as rates are concerned, it is not said that this is a particularly advantageous but not too expensive condition. To choose the best there are many factors to consider, first of all the difference in rates that depends on the amount and duration chosen.
So to know the real conditions, understand if it is worthwhile or not, comparing it with the proposals of other banks or financial companies, you need to request a personalized quote. This has no cost and does not lead to any commitment. We also remind you that there is no preliminary investigation cost, and there are no intermediation costs.