The Astro Finance personal loan is a solution reserved for bank customers. It meets any need for funding, without having to justify the use of funds. Established throughout France, the squirrel bank displays different rates according to the regions on its personal loan formula. Is it worth joining the Astro Finance to finance your project? Let us detail the offer of this giant and compare its APR rates with those of the best credit agencies.
What is Astro Finance staff worth?
Astro Finance personal loan rates differ by geographic region, as the bank has regional branches throughout France. An individual located in the Paris region may for example borrow more than a northerner, benefiting from better conditions. Our concrete case here concerns the Paris region, where rates are currently the most advantageous.
Considering a simulation of Astro Finance personal loan up to $ 10,000 (48 months) in the Paris region, compared to a cheap personal loan online, the cost of credit from the bank is more expensive by $ 183. A sad observation which confirms the trend observed during our global review of Astro Finance credit. The ax falls when we compare the bank’s rates with those of our comparator: the personal loan Astro Finance does not support the comparison with that of consumer credit specialists (personal loan Sofinco, Zaloan, Bankate…).
The conditions of the Astro Finance personal loan
The amounts, durations and rates of the Astro Finance personal loan vary by geographic region. Here we present the general conditions found in the Ile de France region.
- A loan amount is between $ 4,000 and $ 75,000
- The repayment period can range from 4 to 120 months
- The bank proposes to postpone the first monthly payment three months later
To these conditions is added the possibility of repaying all or part of his Astro Finance personal loan in advance. Repaying a loan before its term is often synonymous with additional fees: be careful to check all legal notices.
How to simulate Astro Finance personal credit
Astro Finance only offers personal loans without supporting documents to its customers. Individuals already domiciled with the squirrel can inquire about the consumer credit rates from their advisor. Non customers will have to go through a credit simulation, or contact the bank directly at 32 41 (call not surcharged). Let us detail the stages of the simulation of the Astro Finance personal loan.
- On the Astro Finance website, I select “borrow”, then “need cash”.
- In the “personal loan” section, I have the possibility to access the loan simulation.
- I select my regional caisse or my postal code on the Astro Finance personal loan comparator.
- How much to borrow, for how long? I perform my simulation on the bank portal, playing on the amounts and monthly payments.
- I click on “online request” to submit my credit request.
- The bank directs me directly to make an appointment in the branch. An advisor will contact me by phone.
T he Astro Finance does not offer an immediate answer in principle. A negative point which confirms the idea that the bank is slightly behind in terms of consumer credit. The agency appointment and the call with an advisor are always the two preferred methods of contact with Astro Finance.
Is the Astro Finance personal loan too expensive?
Our simulations carried out on the Astro Finance personal loan show a real lack of competitiveness of the bank. It is positioned less well than the best credit organizations, and is struggling to compete with the formulas of other major banks (see CreditCole personal loan). Our comparisons previously made on the Astro Finance works credit or the car loan had already revealed a rather high cost of Astro Finance solutions.
Good customers still have an interest in comparing the rates offered by their advisor with those of a Bankate or Zaloan personal loan, before putting them on the table. Certain banks practice advantageous rates reserved for certain specific cases, following a loyalty logic. Non-customers will have to go through several stages – including that of opening an account – if they absolutely want to finance their project with Astro Finance. A long process, to be avoided for any urgent credit request.
Astro Finance personal loan: summary
Restricted to bank customers, the Astro Finance personal loan has few advantages. APR rates overall in the high average of the banking sector and a lack of online solutions (no immediate response in principle) do not help to argue in favor of the squirrel. The best advice is to compare the offers of online credit agencies. Only well-installed customers who meet certain guarantees can hope to obtain a preferential Astro Finance credit rate. However, nothing prevents you from making an online request in order to get your own idea.