Credit pricing is available from the moment you perform a simulation. The rates are in the average of other credit institutions or banks.
On 123credit you can only subscribe to one type of product: the consolidation of credits in the form of a personal loan up to 200,000 us dollars. The terms range from 12 to 288 months . The application fee is 1.5% of the loan amount, with a maximum of 1000 us dollars.
An accessible page is devoted to legal notices .
Duration and possible credit amounts are not clearly indicated on the site, you have to do a simulation.
No access to the Consumer Service on the site.
Simplified navigation bar: there are not many pages ...
Information not really practical to find.
A little too many photos and films: we would have preferred a little more explanation of the credits than the video testimonials ...
Two possible means of contact : by phone (free callback) or by form
No site map ...
A simulation tool allows you to immediately know the quantified proposal in relation to your request. However, be careful, once the monthly payment is displayed, you must click again on "Continue the simulation" to know the rate, the duration and the costs.
Immediate response in principle at the end of the credit consolidation request form.
No possibility to print your contract online. It is only after you send your documents that the credit offer will be returned to you.
No possibility to follow your credit application online .
Application fees: maximum 1000 us dollars.
An easy-to-access, practical site that would have benefited from having a little more explanation of the rates, the possible amounts, the durations and the administrative costs ....
Adding videos featuring testimonials doesn't help, but that's what marketing agencies usually do!
It's a very simple approach to credit redemption, almost playful. The fact of offering redemptions at a fixed rate and over periods determined in advance is reassuring and eliminates the risks.