If you have a credit card you can split the payment of any consumer goods you buy. Including a mobile phone. In these cases, the payment of interest will depend on the card in question. Although it can range between 15 and 25%.
Another option is to resort to a small 모바일대출, which can mean, on average, 8% APR. In addition, some banks offer financed mobiles ; In general, they are usually the smartphones of the most demanded companies, such as Apple or Samsung, and in most cases without opening commissions and with very low interest that can reach 0% APR. Some of the banks that offer this possibility are BBVA (which offers the iPhone XS) and Caixa bank, which has the Samsung Galaxy Note 9.
Am I interested in financing from a mobile phone operator?
Through its finance company, Movistar financed more than 300,000 loans to its clients in 2018 for a value of more than 150 million euros. In your case, financing a terminal entails the payment of interest that ranges between 11 and 14% APR depending on the rate that your clients have contracted.
However, there are other operators that finance without interest to try to attract and retain customers, although they require signing certain permanence. In the case of Vodafone, they finance any model as long as a rate is contracted that binds the client to the company for two years. A consideration that Orange also demands in exchange for offering mobile phones with discounts and without interest.
Among the virtual operators the options are also diverse. Yoigo does not finance all the mobiles in its catalog and, although it finances without interest, it also requires a stay of 2 years. For its part, Xn–vk1b88alydw58a4oi eliminates this obligation in exchange for charging commissions.
Compare the best personal loans
Deciding the way through which you are going to finance a mobile is not an easy task. Although mobile phone operators usually offer lower commissions or even offer defer payment for terminals at 0%. Resorting to them implies giving up the freedom to change companies within 24 months and contracting certain rates. Which they are usually the ones with the highest cost. Therefore, it is necessary that you analyze your needs in telephony services. If you do not need a rate like the one required by your operator, resorting to another financing method will probably be more interesting for you, even if the interest rate is higher.
Do you need financing to buy a consumer good? Xn–vk1b88alydw58a4oi.com personal loan comparator will be of great help to assess the most appropriate options according to your personal situation. And in the card comparator you will be able to discover which are the most interesting and competitive options on the market to defer payment for any small purchase you have planned to make.
However, there are other operators that finance without interest to try to attract and retain customers. Although they require signing certain permanence. In the case of Vodafone, they finance any model as long as a rate is contract. That binds the client to the company for two years. A consideration that Orange also demands in exchange for offering mobile phones with discounts and without interest.