WHY DO YOU NEED A LOAN?

It will remain in the same place

Do you need money urgently but don't want to pay excessive interest?
Are you looking for an affordable, fast loan that won't burden you with installments?

You're not alone. Many people end up accepting loans with high rates due to a lack of information or because they think they have no other option.
The good news is that There are real ways to access loans with better conditions, even if you don't have the best track record.

Here we explain how to achieve this, what factors influence interest rates, and what you can do to pay much less for the money you need.

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Why do some pay more and others less?

Have you ever wondered why they offer you a loan at 60% per year and another at 25%? 💰
This depends on several factors that financial institutions analyze:

• Credit history (if you pay on time)
• Stable and verifiable income
• Current debt level
• Type of loan requested
• Return period
• Guarantees offered

In short: Whoever represents less risk to the entity receives better conditions.

But there are also strategies and tools that allow you to improve your profile and find offers with lower rates, regardless of your initial situation.

What type of loan do you need?

Before you search for rates, clearly define what you need:

• Personal loans: fast and unsecured, but with higher interest rates
• Secured loans (car, real estate): lower rates, but higher risk
• Debt consolidation: ideal for unifying several installments into one
• Loans between individuals: flexible, but must be managed on reliable platforms
• Credits in financial apps: agile and 100% digital

Choosing the right type is the first step to paying less.

Where to find lower interest loans?

Nowadays, You don't need to go to a bank to get a reliable loan.
There are many alternatives:

• Regulated financial apps: They offer simulators and immediate approval
• Cooperatives and local banks: good options with community rates
• Loan comparison platforms: show all offers in one place
• Entities with online promotional campaigns

Many times, the cheapest loans are not at the bank where you have your account, but on new platforms that compete by offering more transparent and attractive conditions.

Improve your profile to get better rates

Did you know you can “prepare” before applying for a loan?

Here are some practical tips:

• Pay your current debts on time
• Reduce the use of your credit cards (don't reach the limit)
• Avoid having too many open applications in a short period of time
• Increase your demonstrable income if you can (formal work or freelance)
• Correct errors in your credit report if there are any

With a good profile, you can even access pre-approved loans, which often have preferential rates and approval in minutes.

Use simulators before accepting an offer

Never accept a loan without knowing how much you will pay in total.
Simulators help you:

• Calculate monthly payments
• See the total to be returned with interest
• Compare different entities with the same parameters
• Evaluate more convenient terms for your pocket

Some apps include built-in simulators with access to real-time offers, which speeds up the decision-making process and avoids unpleasant surprises.

What is Total Financial Cost (TFC)?

Many people focus on the annual nominal rate (ANR), but the key data is the CFT.

Includes:

• Interests
• Commissions
• Administrative expenses
• Associated insurance

It's what you're really going to pay.
Always ask for the CFT before accepting any loan, even if the rate seems attractive.

What apps can help you get lower rates?

There are reliable apps that do everything for you:

• They analyze your financial profile
• Compare options from multiple entities
• They show you clear rates, terms and conditions
• Some even allow you to apply for and sign the loan from your cell phone.

These platforms usually work with banks, fintechs and regulated cooperatives, so Your information is protected and the process is legal and transparent..

Additionally, by using an app, you can receive Notifications when offers with promotional rates appear.

What if I don't have a good track record?

Still, there are alternatives:

• Secured loans (by putting something up as collateral)
• Entities that work with users in the process of financial recovery
• Loans with flexible income analysis (freelancers, entrepreneurs)
• Small loans as a “bridge” to improve your score

Important: If you choose these options, make sure you keep up with the payments. A single, well-paid loan can help you rebuild your credit history and access better terms in the future.

Common mistakes when applying for loans

Avoid falling into these traps:

• Accept the first offer due to urgency
• Not calculating how much you will end up paying
• Not reading the contract conditions
• Asking for more money than necessary
• Falling for unregulated lenders who promise “easy money”

Final advice: If something sounds too good to be true, it probably is.

Conclusion

Getting a low-rate loan isn't just a matter of luck: it's about information, comparison shopping, and strategy.
Now that you know the keys, you're better prepared to make smart decisions and save money on every payment.

It doesn't matter if it's your first loan or if you've applied for others before: If you improve your profile and use the right tools, it is possible to access more affordable and responsible loans..

Next step? Discover the apps that help you compare, choose, and apply for your ideal loan without leaving home.

Click, install, and take control of your money in minutes.