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Zero interest loan: With the Verivox turbo loan, you receive money quickly and unbureaucratically.
NThe comparison portal Verivox only offers an attractive loan from Solarisbank for a short time, which offers several great advantages: the turbo loan. This gives you a quick and easy way to get 1,000 to 3,000 euros, which you can repay in 12 to 24 months – without interest!
Turbo Loan: The Details About The Zero Interest Offer
- Loan amount: 1,000 to 3,000 euros
You have the choice - Duration: 12 or 24 months
You have the choice - Effective annual interest rate: 0.0 percent
with appropriate creditworthiness - Application: completely digital
no searching and uploading of documents thanks to the digital account view
no queuing at the post office thanks to identification via video chat
no paperwork thanks to digital signature - Payout: Immediate transfer
if concluded during bank opening hours
Money is in your account within 24 to 72 hours
The content of this article:
It continues digitally: After your successful loan request, you will receive an email with the contract details. You now have to identify yourself via video chat and sign using a qualified electronic signature. It can all be done directly on the computer, tablet or smartphone – without paperwork, without standing in line at the post office.
As far as the loan itself is concerned, you can choose a loan amount between 1,000 and 3,000 euros. You have a choice of 12 or 24 months for the term – depending on how quickly you can or want to repay the loan. Assuming sufficient creditworthiness, borrowers receive an unbeatably low interest rate: zero percent!
But can that really be? The answer is: yes – with a clear but. If you want to apply for such a loan, it should be clear that the banks are primarily interested in one thing: advertising. Zero or negative interest occurs because banks or comparison portals bear the costs themselves, which they would normally pass on to the customer in the form of interest. This procedure is often advertised under the term “interest bonus”.
The zero interest credit framework
So no money is waived or given away, just divided up differently. The feeling of not having to add any interest or even repay less than what you received is then used for clever marketing. Although the platforms pay extra, they are hoping for a lot of new customers in return, who may also conclude larger, more lucrative loans via the respective portal at a later point in time. However: Not everyone can get a negative or zero interest loan just like that. The following requirements must usually be met:
- An excellent credit rating
- Permanent residence in Germany
- An extra account at a specific bank (not necessary for turbo credit)
In addition, the loan numbers and terms are usually precisely defined. The Verivox turbo loan with its range of 1,000 to 3,000 euros and the choice of two different terms is one of the extremely flexible offers. Other lenders set the conditions in advance: 1,000 euros and 24 months are often these. And nothing can be changed about that without jeopardizing the good interest rates. The term can be shortened by paying the remaining debt in one sum. However, the favorable conditions then usually expire. In order for the negative or zero interest rate to take effect, you must adhere to the full term. You should also bear in mind that a lot can happen within this period and that the loan amount should somehow be secured in the event of financial bottlenecks (for example due to unemployment) or you should have a plan on how you can continue to pay the installments on time.
Schufa entry with zero interest credit
You pay for zero-interest loans with your data
In principle, many of the loan providers then use your data to send you personalized advertising – regardless of whether the loan application was granted or rejected. If the providers do not earn you from the loan, you would of course want to find other ways afterwards. Still, a negative interest loan can be a legitimate way to get short term cash injections. You can find individual sample calculations on credit topics in Credit comparison from COMPUTER BILD.
