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Spendwise - Mother and son applying for loan with Spendwise

Three things to keep in mind before applying

Read our three tips to what you need to keep in mind before applying for a private loan.

1. Can you afford a loan? Make a budget that provides an overview of your finances and shows how much you can afford to spend on a loan every month. Pay off more every month or increase your monthly payment if you can. Then you’ll pay your loan off faster and it will be cheaper for you in the long run.

2. What do you need a loan for? Think about whether the loan will give you long-term value. It could finance a course for a job or a renovation to increase the value of your home. A loan could also be of value in other ways. Borrowing money to buy a car could make your everyday life easier. If you choose to consolidate your loans with one loan provider you may benefit from a lower total monthly cost.

3. What does your loan cost? Always compare different lenders' interest rates, fees and terms before applying for a loan, since these will impact the cost of your loan. The interest rate is in turn set individually based on your financial situation, the loan amount and the loan terms. If you would like to pay off the loan over a longer period of time, the monthly cost will be lower, but the total repayment cost will be higher.

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