How to compare offers of consumer credit?
The rate is not the only criterion to consider when compare credit offers. Other factors should be taken into account. Here are some useful tips if you want to compare 
consumer credit offers.
The Annual Percentage Rate (APR) : Necessarily mentioned in the offer from your bank, it lets you know the total cost of financing a year, expressed as a percentage. It includes the cost of compulsory insurance, administrative fees, etc.. This is the only completely objective index to compare loan offers.
The term of the loan : More than a loan, the longer it is expensive. This factor plays the most on the total cost of your loan, more than a minimal difference between two rates. If you decide to reduce the amount of your payments, your loan period will be extended and the overall cost will be higher.
The amount of maturity: The amount you pay each month is a crucial selection criterion. The maturities of the loan should not compromise your budget. It is recommended not to exceed a threshold of 33% debt.
The terms of sale : Choose a loan can not be reduced to a comparison of numbers. We must also carefully compare the terms of the loan on the terms of a prepayment or a suspension of repayments in the event of financial difficulties. The flexibility afforded by the credit agency is a real plus for the borrower.
It’s worth checking how flexible the card issuers are on repayments too – I once applied for a card that set either a minimum or full repayment – I couldn’t set an amount anywhere between the two.