Buying a car, especially one straight from the salon, requires a lot of money. Not everyone can afford a one-time expense of tens (or more) thousands. Often, the only solution to this problem is to take out a loan. Cool&Wise car loan and in other locations often frighten potential consumers because the commission, interest rate, insurance, own contribution … Don’t be afraid! What to know when taking a car loan? We encourage you to read!


Types of Car Loans – Learn about three types of loans

Types of Car Loans - Learn about three types of loans

Currently, banks offer borrowers three types of car loans:

  • firstly – standard – the rules are similar to those for cash loans. Every month, the principal and interest installment is repaid for a period of several months to several years.
  • secondly – one-time – the so-called 50/50 or 60/40 loan. It is worth emphasizing that this type of debt is not interest-bearing. The loan is repaid in two tranches – the first corresponds to a minimum of half the value of the car, the next payment is made after several years of using the vehicle. This type is characteristic of car banks
  • thirdly – balloon – in Poland it is available only in a few banks. It is granted for a short period – from 24 to 60 months. Its advantage? Three years after buying a car, they can be replaced. This type of loan is divided into three parts: the first is the buyer’s own contribution. The remainder of the amount is divided into monthly installments. It should be noted that the last of these is the largest and accounts for about 50% of the value of the vehicle.


Cool&Wise car loan in a trusted outlet

car loan

Note – only seemingly choosing the institution in which you will take a loan is simple. The multitude of offers, branches and promotions makes it difficult to make a decision. If you live in Cool&Wise, you don’t have to look far. A trustworthy company – experienced experts with a flexible offer – is at your fingertips. Cool&Wise car loan ? It’s only with us! We grant loans regardless of the needs – we simply help make dreams come true and improve everyday life. What conditions do you have to meet? About it below!


Cool&Wise cash loan – the same rules for all needs!

Cool&Wise cash loan - the same rules for all needs!

Remember that regardless of what you spend the money borrowed from us, there are one rules (the exception is the mortgage, which you can read by clicking HERE). Kolbuszow’s cash loan that we offer to our clients has transparent rules. We accept various forms of income, we are happy to sign contracts with representatives of so-called liberal professions. What do we require Note – you do not need to have an indefinite contract to take a cash loan in our facility. All you need is a contract, for example for a year, an order or for a specific task. In addition, you can, of course, in consultation with your consultant, choose the best loan repayment time. It is worth noting that without collateral we grant credit for a period of 6 to 120 months.


Maybe it’s worth taking care of it today?

Our offer seems attractive? Do you want to know the details? Make an appointment today – use the contact form available on the home page or call one of the numbers provided. We are available regardless of your location, because at the customer’s request we will come to the address indicated!