A new year begins and with it new purposes, goals, and dreams to fulfill. Although for 2016 many of us have proposed challenges of personal improvement with which we intend to achieve everything we have been wanting for some time, the truth is that many of our projects will carry big, or small, disbursements of money. Therefore, and knowing that not all of us will be able to afford it, we present the best loans with a view to next year.
Personal loans for new projects
Our purposes for 2016 can be of a different kind, from achieving more personal aspects to changing the car, renovating our house or finally making the trip we have been waiting for so long. In fact, according to the Illusion Barometer carried out by Cofidis, 38% of Spaniards have as a project to complete a trip.
Also, following the data provided by the people surveyed by Cofidis, 17% are excited about buying a new car, 14% want to learn a new language and 11% want to get other types of material desires such as buying fashion items.
Depending on the projects we want to achieve, and its purpose, we will need to have more or less money that we may not have. If this is the case, a good option is to find the personal loan that allows us to achieve in 2016 everything that we have proposed.
Personal loans to finance a car
If what we want is the purchase of a car, we can find in the market with different car loans that will allow us to get what we want with many advantages. For example, we can obtain up to € 15,000, from a 6.86% APR, to be repaid in a maximum of 6 years. In addition, we will not have to pay any type of opening commission or study and, once approved the personal loan, we will receive the money in less than 24 hours.
Personal loans to finance a reform at home
If what we need is to change some part of our house or buy new furniture and decoration, a good option is the Cetelem Personal Loan that will allow us to access a maximum amount of € 30,000, from a 7.18% APR, to finance our reforms (although we can also use it to finance a car or for other purposes such as travel and leisure).
If we want to obtain a loan with Cetelem we must deliver the documentation that they require and a proof of the project that we want to carry out. Due to your immediate pre-approval service, we will know in a very short time if you have accepted our application, and all without having to change banks.
Personal loans to finance trips or studies
In the event that our biggest dream for next year is to visit Asia, visit the wonders of Latin America or finally meet the United States, among many other places we can discover, we can apply for the ING Direct Orange Loan. We will have the opportunity to get up to € 40,000 at 7,18% APR, without commissions or paperwork.
In addition, if our hope is to start a new academic stage starting a new career or doing a master’s degree, the Orange Loan will help us achieve it. We will only have to fill out the online application without much paperwork, and we will receive a quick response from ING Direct (and all without having to contract any type of linked product).