Banco Internacional's Consumer Credit stands out in the Ecuadorian market for its agility and flexibility. It offers sums of up to $100 000 with terms that can reach 60 months, depending on the profile of the applicant.

The interest rates vary between the annual 12% and 24%, depending on the term, type of guarantee and credit analysis. You can cancel or make partial allowances without penalty, and life insurance is included, waived as required.

Step by step to apply for Consumer Credit

1. Attach a copy of your ID, passport and proof of recent income.
2. If you are independent, have your RUC and taxes in hand. If you work under a dependency relationship, your roles are paid.
3. Justify your assets with valid documents and certificates.
4. Submit the request in person or online.
5. Expect credit evaluation and approval within 7 business days.

Main advantages of Consumer Credit

Credit is adaptable: you can request a lot according to your needs, and the requirements adjust to your profile, whether you work in a dependent relationship or are independent.

Another big point in favor is the rapid pre-approval. It is even possible to obtain a sum of up to $20 000 for 24 months without warranty.

Payments in advance and prepayments are free from penalties, giving you flexibility to settle debts ahead of time if you prefer.

Points to consider

It is important to note that the credit analysis is rigorous; If your financial history has irregularities, approving your credit may be difficult.

The maximum amount of $100 000 normally requires a mortgage guarantee, which limits access to high amounts for those without funds with this support.

Verdict

Banco Internacional's Consumer Credit is an attractive option for those looking for comfortable locations and competitive rates. Its flexibility stands out, although, for high piles, it is important to have guarantees.