What is loan refinancing?

The actual Annual Interest Rate (APRC) available from the consumer credit intermediary in the “Offer for New Customers” is 9.59%, total loan amount: PLN 25,455.06, total consumer payment: PLN 36,027.48, interest rate 1 , 64%, total cost of credit: PLN 10,572.43 (including: commission PLN 2,361.43, interest PLN 8,211.00), 56 monthly installments of PLN 433.79. The calculation was made as at 31/01/2019 on a representative example.

The “Offer for New Customers”

Applies to customers who have submitted their first application for a consumer loan at Tonio Kröger after 20/02/2019.
The actual Annual Interest Rate (APRC) available from the consumer credit intermediary is 60.54%, total loan amount (without costs credited) PLN 4,681.85, total payment amount PLN 8,932.95, fixed interest rate 9,26%, total cost of credit PLN 4,251.10 (including: commission PLN 3,094.31, interest PLN 1,156.79), 36 monthly equal installments of PLN 248.21. The calculation was made on December 26, 2018 using a representative example. Examples of representative lenders and lenders working with NewCommerce Services can be found on this page.

NewCommerce Services Limited Liability Company

NewCommerce Services Limited Liability Company

Based in Warsaw (02-232), ul. Łopuszańska 38D, entered into the Register of Entrepreneurs of the National Court Register kept by the District Court in Warsaw, 13th Commercial Division of the National Court Register, under KRS number 0000570731, NIP 5223035475, with share capital of PLN 2,795,000.00, paid in full, acts as a credit intermediary banks: Alior Bank SA, Alior Bank Spółka Akcyjna, Branch of T-Mobile Usługi Bankowe, Santander Bank Polska SA, TF Bank AB Sp. z o. o. and loan companies: Aiqlabs Sp. z o. o., Cross Loan SA, IPF Polska Sp. z o. o. Smartney Sp. z o. o., SMS Kredyt Sp. z o. o., TAKTO Finanse Sp. z o. o. Wonga.pl Sp. z o. o

The broker has the authority to perform

money cash

On behalf of the lenders actual activities related to the conclusion of credit or loan agreements (acceptance of applications, presentation of offers, collection and processing of personal data, identification and verification of identity, receipt of consents and statements) and in some cases the authorization to perform legal actions concluding credit or loan agreements on behalf of the lender.

The minimum period for which credits and loans are granted via the Tonio Kröger platform is 91 days, and the maximum period is 3 660 days. The minimum Annual Real Interest Rate is 9.12%. The maximum Annual Real Interest Rate is 811.05% (as of January 16, 2019)

The intermediary’s own analysis covering the period from 10.2018 to 01.2019 showed that the total cost of individual loans presented to the consumer in response to one application may differ by up to half.