{"id":543,"date":"2019-10-11T06:16:19","date_gmt":"2019-10-11T06:16:19","guid":{"rendered":"https:\/\/www.top5credits.com\/dk\/?p=543"},"modified":"2024-02-08T15:27:32","modified_gmt":"2024-02-08T15:27:32","slug":"modus-finans","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/dk\/anmeldelser\/modus-finans\/","title":{"rendered":"Modus Finans"},"content":{"rendered":"\n<p>Hos Modus Finans kan man optage et <a href=\"https:\/\/www.top5credits.com\/dk\/laansammenligning\/laan-50000\/\">l\u00e5n p\u00e5 op til 50.000 kr<\/a>. L\u00f8betiden er p\u00e5 mellem 24 og 120 m\u00e5neder.<\/p>\n\n\n\n\n<section>\n<h5 class=\"luelisaanappi hidden-header\" style=\"border: none;text-transform: none\"><span class=\"show-more\">L\u00e6s mere&#8230;<\/span><\/h5>\n<div class=\"luelisaateksti\">\n<p>Et l\u00e5n kan blive godkendt inden for en time, og l\u00e5net fra Modus Finans vil man f\u00e5 udbetalt 1-2 hverdage efter at l\u00e5net er godkendt. Man skal v\u00e6re fyldt mindst 21 \u00e5r for at l\u00e5ne penge. L\u00e5net skal der ikke stilles sikkerhed for, men der tilbydes kun l\u00e5n under ansvarlige forhold. Modus Finans samarbejder med 3C Retail A\/S, dvs. L\u2019EASY, og har adresse i Odense.<\/p>\n<\/div>\n<\/section>\n\n\n\n\n\n\n\n<div class=\"arvostelu\">\n<p style=\"font-weight:700\">Vi opdatere vores produkt anmeldelser p\u00e5 grund af \u00e6ndret lovgivning pr. 01.07.20 inden for forbrugerkredit<\/p>\n<span class=\"hidden-arvostelu\">\n\n\n\n<h2 class=\"wp-block-heading\">Anmeldelse af Modus Finans 7\/2020<\/h2>\n\n\n\n<p>Hos Modus Finans starter ans\u00f8gningen af et l\u00e5n p\u00e5 forsiden. Man kan v\u00e6lge et l\u00e5nebel\u00f8b p\u00e5 mellem <a href=\"https:\/\/www.top5credits.com\/dk\/laansammenligning\/laan-10000\/\">10.000<\/a> og <a href=\"https:\/\/www.top5credits.com\/dk\/laansammenligning\/laan-50000\/\">50.000 kr.<\/a> Jeg valgte at s\u00f8ge om at l\u00e5ne 30.000 kr. Man skal ogs\u00e5 v\u00e6lge en l\u00f8betid for l\u00e5net, og jeg valgte en afdragsperiode p\u00e5 60 m\u00e5neder. Ude til h\u00f8jre i billedet kunne jeg se den estimerede ydelse for l\u00e5net p\u00e5 30.000 kr. med min valgte l\u00f8betid. Den l\u00e5 til at blive p\u00e5 mellem 681 og 823 kr. Under den estimerede ydelse kunne jeg med sm\u00e5t se et estimat p\u00e5 b\u00e5de debitorrenten og \u00c5OP. Jeg kunne her ogs\u00e5 finde vejledende beregninger p\u00e5 de samlede omkostninger og det samlede bel\u00f8b, som jeg skal tilbagebetale for l\u00e5net, s\u00e5fremt det ville blive optaget. Derudover fik jeg at vide, at der for dette l\u00e5n var et oprettelsesgebyr p\u00e5 2.400 kr.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"912\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2020\/07\/modus-loan.jpg?cdn=1.1.3\" alt=\"Anmeldelse af Modus Finans\" class=\"wp-image-1803\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2020\/07\/modus-loan.jpg?cdn=1.1.3 1200w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2020\/07\/modus-loan-300x228.jpg?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2020\/07\/modus-loan-1024x778.jpg?cdn=1.1.3 1024w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2020\/07\/modus-loan-768x584.jpg?cdn=1.1.3 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption class=\"wp-element-caption\">Man skal v\u00e6lge l\u00e5nebel\u00f8b og l\u00f8betid.<\/figcaption><\/figure>\n\n\n\n<p>Da jeg havde valgt to afdragsfrie m\u00e5neder, scrollede jeg ned p\u00e5 siden og kunne se, at jeg skulle i gang med at indtaste personlige oplysninger. Jeg skulle videregive mit fulde navn, telefonnummer og e-mail. Som det sidste punkt p\u00e5 siden skulle jeg indtaste min f\u00f8dselsdato. Jeg klikkede herefter p\u00e5 Forts\u00e6t.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"847\" height=\"539\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans2.png?cdn=1.1.3\" alt=\"Anmeldelse af Modus Finans | Man skal indtaste personlige oplysninger.\" class=\"wp-image-546\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans2.png?cdn=1.1.3 847w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans2-300x191.png?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans2-768x489.png?cdn=1.1.3 768w\" sizes=\"auto, (max-width: 847px) 100vw, 847px\" \/><figcaption class=\"wp-element-caption\">Man skal indtaste personlige oplysninger.<\/figcaption><\/figure>\n\n\n\n<p>I det n\u00e6ste sk\u00e6rmbillede var det oplysninger omkring min bop\u00e6l og civilstand, der skulle med i ans\u00f8gningen. Jeg valgte som det f\u00f8rste min boligform. Herefter skulle jeg indtaste adresse, postnummer og by. Jeg skulle efterf\u00f8lgende v\u00e6lge civilstand, antal hjemmeboende b\u00f8rn, antal biler og statsborgerskab i de fire dropdown-menuer.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2020\/07\/modus-finans-loan3.jpg?cdn=1.1.3\" alt=\"Modus Finans bop\u00e6l og civilstand\" class=\"wp-image-1824\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2020\/07\/modus-finans-loan3.jpg?cdn=1.1.3 1024w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2020\/07\/modus-finans-loan3-300x150.jpg?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2020\/07\/modus-finans-loan3-768x384.jpg?cdn=1.1.3 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Man skal her angive oplysninger om bop\u00e6l og civilstand.<\/figcaption><\/figure>\n\n\n\n<p>Da jeg havde scrollet ned p\u00e5 siden, var det efterf\u00f8lgende mine besk\u00e6ftigelsesforhold, der skulle oplyses til Modus Finans. Jeg skulle v\u00e6lge jobfunktion i den f\u00f8rste dropdown-menu. Som det n\u00e6ste skulle jeg indtaste min arbejdsgiver. Jeg skulle ogs\u00e5 angive min ans\u00e6ttelsesdato. I det n\u00e6ste felt skulle jeg oplyse min \u00e5rsindt\u00e6gt f\u00f8r skat, og i den efterf\u00f8lgende rubrik skulle jeg skrive min m\u00e5nedlige udbetaling efter skat. Til sidst skulle jeg besvare, om jeg er medlem af en A-kasse.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"850\" height=\"500\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans4.png?cdn=1.1.3\" alt=\"Anmeldelse af Modus Finans | Man skal her angive oplysninger vedr\u00f8rende sit personlige besk\u00e6ftigelsesforhold.\" class=\"wp-image-548\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans4.png?cdn=1.1.3 850w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans4-300x176.png?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans4-768x452.png?cdn=1.1.3 768w\" sizes=\"auto, (max-width: 850px) 100vw, 850px\" \/><figcaption class=\"wp-element-caption\">Man skal her angive oplysninger vedr\u00f8rende sit personlige besk\u00e6ftigelsesforhold.<\/figcaption><\/figure>\n\n\n\n<p>I det sidste punkt i ans\u00f8gningen til Modus\nFinans drejede det sig om mine bankoplysninger. Jeg skulle besvare, om jeg har\nl\u00e5n i et andet finansieringsselskab. Jeg skulle ogs\u00e5 s\u00e6tte kryds ved, om jeg har\nVISA\/Dankort eller kreditkort. I det sidste oplysningspunkt skulle jeg indtaste\nmin bankkonto.Herefter accepterede jeg l\u00e5nebetingelser og privatlivspolitk hos\nModus Finans, og jeg satte ogs\u00e5 kryds ved, at jeg gerne ville modtage tips og\ngode tilbud fra l\u00e5neudbyderen. Herefter klikkede jeg p\u00e5 knappen Forts\u00e6t til\nNemID login.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"912\" height=\"620\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans5.png?cdn=1.1.3\" alt=\"Anmeldelse af Modus Finans | Man skal angive bankoplysninger og acceptere l\u00e5nebetingelser og privatlivspoltikken.\" class=\"wp-image-544\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans5.png?cdn=1.1.3 912w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans5-300x204.png?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-modus-finans5-768x522.png?cdn=1.1.3 768w\" sizes=\"auto, (max-width: 912px) 100vw, 912px\" \/><figcaption class=\"wp-element-caption\">Man skal angive bankoplysninger og acceptere l\u00e5nebetingelser og privatlivspoltikken.<\/figcaption><\/figure>\n\n\n\n<p>Jeg loggede herefter ind med NemID, og s\u00e5 blev\nmin ans\u00f8gning f\u00e6rdiggjort og indsendt til Modus Finans.<\/p>\n\n\n\n<span id=\"tilbud\" class=\"offset\"><\/span>\n\n\n\n<p class=\"paras-tarjous has-background\" style=\"background-color:#c7e7fb\"><strong>ET L\u00c5NETILBUD HOS MODUS FINANS  KAN EKSEMPELVIS SE S\u00c5DAN HER UD:<\/strong><br>L\u00e5nebel\u00f8b: 30.000 kr.<br>L\u00f8betid: 5 \u00e5r.<br>Debitorrente:  9,90 &#8211; 19,56 %.<br>\u00c5OP: 13,63 &#8211; 23,94 %.<br>Kreditomkostninger: 10.795 &#8211; 19.356 kr.<br>Tilbagebetalingsbel\u00f8b: 40.795 &#8211; 49.356 kr.<br>Alle beregninger er vejledende. En individuel kreditvurdering hos Modus Finans fastl\u00e6gger renten.<\/p>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\">Hvordan er gennemsigtigheden?<\/h2>\n\n\n\n<p>Hos Modus Finans er der god gennemsigtighed. Det er nemt at benytte <a href=\"https:\/\/www.top5credits.com\/dk\/laaneberegner\/\">l\u00e5neberegnern<\/a>, og det er lige s\u00e5 nemt at se, hvad et l\u00e5n kan komme til at koste. Man kan ogs\u00e5 skifte mellem de forskellige l\u00f8betider for at finde frem til den estimerede ydelse, der passer bedst til \u00f8konomien. Dog m\u00e5 man vide, at der er et meget stort sp\u00e6nd i de estimerede m\u00e5nedlige ydelser hos Modus Finans, og man m\u00e5 derfor vente med at f\u00e5 den endelige ydelse, til man har f\u00e5et tilbudt l\u00e5net. Det er den personlige \u00f8konomi, der er bestemmende for renten. Oprettelsesgebyret hos Modus Finans ligger p\u00e5 8 %, og det svarer til et bel\u00f8b p\u00e5 mellem 800 og 4.000 kr alt efter, hvilken l\u00e5nest\u00f8rrelse der \u00f8nskes. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hvordan er den videre ans\u00f8gningsproces?<\/h3>\n\n\n\n<p>Det tager ikke mere end nogle f\u00e5 minutter at\nudfylde ans\u00f8gningen til Modus Finans, og man skal slet ikke indsende nogen\nformer for dokumenter. Det g\u00f8r det meget nemt. Da jeg havde underskrevet\nans\u00f8gningen med NemID, m\u00e5tte jeg ikke vente mere end 20 minutter f\u00f8r der kom et\nsvar fra Modus Finans. Sommetider g\u00e5r der dog op til en time, n\u00e5r man ans\u00f8ger\nom et l\u00e5n i \u00e5bningstiden. Jeg fik den gode nyhed, at jeg kunne l\u00e5ne de 30.000\nkr., som jeg havde ans\u00f8gt om, og renten var ogs\u00e5 god. Jeg skyndte mig at\nunderskrive aftalen med NemID, og allerede samme dag kunne jeg se, at Modus\nFinans havde overf\u00f8rt pengene til min konto. I nogle tilf\u00e6lde vil pengene dog\nf\u00f8rst v\u00e6re fremme dagen efter. Jeg kunne ogs\u00e5 se, at hvis man ikke har mulighed\nfor at underskrive l\u00e5neaftalen med NemID, kan man f\u00e5 den tilsendt pr. post. Jeg\nfandt det dog klart nemmest at underskrive med NemID.<\/p>\n\n\n\n<p>N\u00e5r man har en god \u00f8konomi, virker det til, at\nman nemt kan f\u00e5 et l\u00e5n hos Modus Finans. S\u00e5dan var det for mig, og jeg oplevede\nogs\u00e5, at jeg p\u00e5 grund af min gode \u00f8konomi fik den lavest mulige rente. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fordele ved Modus Finans<\/h3>\n\n\n\n<p><strong>1. Udbetaling af l\u00e5n samme dag<\/strong><\/p>\n\n\n\n<p>Hos Modus Finans er det muligt at f\u00e5 l\u00e5net\nudbetalt samme dag.<\/p>\n\n\n\n<p><strong>2. Man kan betale l\u00e5net ud til hver en tid<\/strong><\/p>\n\n\n\n<p>Man bestemmer selv, hvorn\u00e5r l\u00e5net til Modus\nFinans skal betales ud. Det sker uden ekstra omkostninger.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ulemper ved Modus Finans<\/h3>\n\n\n\n<p><strong>1. \u00c5OP\nkan l\u00f8be h\u00f8jt op<\/strong><\/p>\n\n\n\n<p>Den maksimale \u00c5OP for et l\u00e5n ligger p\u00e5 24,87 %.<\/p>\n\n\n\n<p><strong>2.\nStort rentesp\u00e6nd alt efter den individuelle kreditvurdering<\/strong><\/p>\n\n\n\n<p>Renten er sv\u00e6r at gennemskue forud for et l\u00e5n.\nFor det samme l\u00e5n kan man f\u00e5 en b\u00e5de relativt lav og h\u00f8j rente. Derfor er det\nsv\u00e6rt at vide p\u00e5 forh\u00e5nd, hvor meget man individuelt skal betale for et l\u00e5n hos\nModus Finans.<\/p>\n\n\n\n<div class=\"wp-block-columns has-2-columns yhteysaspa is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Kundeservice<\/h3>\n\n\n\n<p>modusfinans@modusfinans.dk<br>9999 9111<\/p>\n\n\n\n<p>\u00c5bningstider kundeservice:<br>Alle ugens dage: 8 &#8211; 18.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\"><\/h3>\n\n\n\n<p>Chatfunktion p\u00e5 hjemmesiden er tilg\u00e6ngelig i \u00e5bningstiden.<\/p>\n<\/div>\n<\/div>\n\n\n\n<\/span><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Sp\u00f8rgsm\u00e5l og svar<\/h3>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1589531795636\"><strong class=\"schema-faq-question\">Hvad koster det at l\u00e5ne?<\/strong> <p class=\"schema-faq-answer\">Du kan se minimums- og maksimumsrenten og l\u00e6se, hvilken slags tilbud du muligvis f\u00e5r fra ModusFinans <a href=\"https:\/\/www.top5credits.com\/dk\/anmeldelser\/modus-finans\/#tilbud\">her<\/a>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1589531813596\"><strong class=\"schema-faq-question\">Hvor meget kan jeg l\u00e5ne penge?<\/strong> <p class=\"schema-faq-answer\">ModusFinans tilbyder l\u00e5n fra 10.000 kr. op til 50.000 kr.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1589531826611\"><strong class=\"schema-faq-question\">Hvor l\u00e6nge er l\u00e5nets tilbagebetalingstid i ModusFinans?<\/strong> <p class=\"schema-faq-answer\">L\u00e5n l\u00f8betid varierer mellem 24 m\u00e5neder og 120 m\u00e5neder.<\/p> <\/div> <\/div>\n\n\n\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Hos Modus Finans kan man optage et l\u00e5n p\u00e5 op til 50.000 kr. L\u00f8betiden er p\u00e5 mellem 24 og 120 m\u00e5neder. Vi opdatere vores produkt<\/p>\n<p class=\"more-link\">L\u00e6s mere <span class=\"screen-reader-text\">Modus Finans<\/span><\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-arvostelu.php","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-543","post","type-post","status-publish","format-standard","hentry","category-anmeldelser","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Modus Finans l\u00e5n - L\u00e6s anmeldelse - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testede Modus Finans - l\u00e6s om vores erfaringer og \u00e6rlige anmeldelse. 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