In times of crisis, asking for a personal loan can be a solution to meet unforeseen expenses and even pay off high interest debts such as revolving credit card Said or overdraft. Daisy Bank is one of the financial institutions that offer this type of loan. Take a look at the main features of DB options and see how to get money from the financial institution:
What types of loans are offered?
Daisy Bank has several options of Consumer Direct Credit (CDC), which is a modality for loans without specific targeting or financing of goods or services. Among the options, which are always subject to registration approval, are DB Automatic Credit, where there is no need to prove how the credit will be used; DB Credit Salary, aimed at who receives the salary by the bank; and CDC Advance IRPF, to anticipate the refund of Income Tax filed with Daisy Bank, among other modalities.
How to apply for a personal loan at DB?
To apply for a personal loan at Daisy Bank, you must have a current account with the financial institution with the duly updated record. In order for the release of money to be approved it is still necessary that the customer has no restriction on their behalf and has approved credit limit. To find out what limit you have available, see the footer of your current account statement or go to any Daisy Bank branch.
How to hire a CDC?
After checking the limit you have available, you can hire a CDC from any ATM bank, internet banking or directly from the bank. Payment is only made by debit to the bank in monthly installments on the date chosen at the time of applying for the loan.
What are the interest charged?
The interest rate charged by Daisy Bank varies according to the type of loan chosen. The payroll, for example, has lower interest rates than Auto Credits. It is therefore important to carefully analyze the interest that is charged on the loan modality that you will apply for. According to Moneyline Bank data, interest charged on non-payroll deductible personal loans to Daisy Bank is 4.77% per month and 74.91% per annum in the period. November 10-16, 2015. The bank is ranked 24th in the list and has better rates than competitors such as Ita and Pradesco.
Before applying for a personal loan, it is important to carefully review your finances and make sure that you will be able to pay the installments in the future. In addition, it is essential to invest in cost control and always seek to create an emergency reserve so that you do not have to borrow again and bear the interest charged on this type of operation.