Mertilosa or Verdana Loan? Which one I choose?

One could say that Mertilosa and Verdana Loan are two of the two most recognized financiers in the world of loans , despite having few common characteristics.

They specialize in fast credit deliveries for companies and individuals that require it, either to cover unforeseen expenses or to start a business.

While Verdana Loan grants credits without the need to justify the reason . Mertilosa, on the other hand, focuses more than anything else on financing purchases in different stores with which it has some kind of agreement.

Fast credits

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The main advantage of the loans granted by both financiers is the speed of the process , since the delay time is 2 to 3 days from the request (and subsequent approval), compared to 15 days or more of a bank branch .

However, we must bear in mind that interest is a bit high, making this not the first option for many people. The most advisable thing is that once we have applied for the loan, we put all our efforts in getting out of debt as soon as possible.

Verdana Loan features

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Verdana Loan should highlight the flexibility it offers us as consumers . In this entity we can request up to 6,000 euros, the money is available within 24 hours of approval and has no commissions of any kind.

Customer service is quite fast, and effective. You have included a section on the website that helps us with finances and the monthly budget. It is not necessary to change banks to hire the service and you can request the service not only online, but also by phone or postal mail.

However, this company has an offer different from any other, since in addition to having a lower maximum amount, it has a maximum term of 1 to 4 years , depending on the amount of the credit. The conditions are as follows:

  • For projects, Direct Cash: from € 3,000 to € 6,000.
  • Shopping Vida Libre: 3000 to 1500 €.
  • Quick Credit: € 500 to € 1,500.
  • All with an Annual Equivalent Rate of 24.51%.

It is worth mentioning that Verdana Loan has the least interesting personal loans. Direct Credit charges its own interest of 22.12% TIN, a high figure if we consider that there are loans with TIN less than 10%.

Mertilosa features

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To begin to shred Mertilosa’s characteristics, we have to be clear that this company only offers loans to those who already belong to its customer list , that is, to those people who have already financed the purchase of products with them in associated stores.

Mertilosa loans, being for clients, can be focused on a longer term, thus allowing a much larger amount. All can be from 3 to 8 years and the conditions are as follows:

  • Loans of € 60,000 to € 10,000, Annual Equivalent Rate of 16.53%.
  • From € 6,000 to € 10,000, annual rate of 17.93%.
  • From € 0 to € 6,000, rate of 20.07% .
  • And the one with the lowest amount of € 3,000 to € 4,000, with an Annual Equivalent Rate of 26.32%.
  • They have 1% cancellation fee.

The answer to this question depends on what we need . If we require an amount less than € 4,000 and we are sure that we can pay it in a relatively short time, the best option is Verdana Loan.

On the other hand, if we are customers and the amount required is more than € 4,000, we will get much better with Mertilosa.

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