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Details and examples of partner loan calculations:

General conditions and requirements for the borrower

Annual Percentage Rate (APR)

 

The annual percentage rate is the total cost of the loan, expressed as a percentage. The calculation of the annual percentage rate does not include the costs associated with non-fulfillment of the obligations specified in the loan agreement.

 

Maximum percentage interest rate (APR): 16%. Loan term: from 62 days to 12 months. Calculation example (representative example): Loan of RS 50 000 for 6 months, monthly payment RS 8 948, total amount RS 53 688, annual percentage rate APR 15%

 

vcredite.com does not issue loans and is not a lender. vcredite.com provides consumers with free information on the special terms of a lender's loan agreement and other relevant information. On the website, the peer-to-peer lenders have a special license to provide the consumer credit service.

 

What information can be obtained by comparing lenders?

 

  • The maximum amount of the first loan;
  • The minimum and maximum amount of money offered by the lender;
  • Repayment deadlines;
  • Borrower's age restrictions;
  • Maximum annual interest rate;
  • Examples of loan repayment.

 

Penalty or renewal policy information

 

Late payments reduce your chances of getting a loan in the future. Lenders have the right to ask you to pay penalty interest for late payment. Borrowers who do not repay the loan correctly lose the opportunity to receive discounts in the next application. Paying off your loan on time contributes to a good credit score, which increases your chances of getting better loan terms in the future.