{"id":622,"date":"2019-10-14T06:21:08","date_gmt":"2019-10-14T06:21:08","guid":{"rendered":"https:\/\/www.top5credits.com\/dk\/?p=622"},"modified":"2022-07-11T09:46:40","modified_gmt":"2022-07-11T09:46:40","slug":"kvikto","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/dk\/anmeldelser\/kvikto\/","title":{"rendered":"Kvikto"},"content":{"rendered":"\n

Hos Kvikto har man mulighed for en etablere en kredit. Man kan ans\u00f8ge om en kredit p\u00e5 mellem 3.000 og 15.000 kr<\/a>. <\/p>\n\n\n\n\n

\n
L\u00e6s mere…<\/span><\/h5>\n
\n

Man bestemmer selv, hvorn\u00e5r og hvor meget man afdrager p\u00e5 den l\u00e5nte kredit. Der skal nemlig kun betales renter m\u00e5nedligt. Man f\u00e5r svar p\u00e5 en ans\u00f8gning med det samme, og man skal ikke stille sikkerhed, n\u00e5r man l\u00e5ner penge hos Kvikto. Kvikto h\u00f8rer til i K\u00f8benhavn og er et brand under Finans 247 ApS.<\/p>\n<\/div>\n<\/section>\n\n\n\n\n\n\n\n\n\n\n

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Anmeldelse af Kvikto 10\/2019<\/h2>\n\n\n\n

Det er nemt at komme i gang med at s\u00f8ge om at l\u00e5ne penge<\/a> p\u00e5 Kviktos hjemmeside. Man v\u00e6lger som det f\u00f8rste det kreditbel\u00f8b, man gerne vil have. Jeg valgte at ans\u00f8ge om at f\u00e5 en kredit p\u00e5 11.000 kr. Jeg kunne se, at den m\u00e5nedlige ydelse ville komme til at ligge p\u00e5 1.436,88 kr. I dette bel\u00f8b var der udelukkende tale om renter. Jeg fik ogs\u00e5 oplyst, at den faste debitorrente var p\u00e5 150 %, mens \u00c5OP var p\u00e5 318,90 %. Jeg fik ogs\u00e5 oplysninger om omkostninger og tilbagebetalingsbel\u00f8b. Derudover fik jeg ogs\u00e5 at vide, at der ville v\u00e6re et oprettelsesgebyr p\u00e5 495 kr. for denne kredit. Jeg kunne ogs\u00e5 l\u00e6se, at pengene ville blive straksudbetalt til min NemKonto, n\u00e5r ans\u00f8gningen var godkendt, og at dette ville ske alle ugens dage. Jeg klikkede p\u00e5 Start Ans\u00f8gning for at komme i gang med l\u00e5neans\u00f8gningen til Kvikto. <\/p>\n\n\n\n

\"Anmeldelse
Man skal her v\u00e6lge kreditbel\u00f8bet.<\/figcaption><\/figure>\n\n\n\n

Det f\u00f8rste led i ans\u00f8gningen til Kvikto omhandlede mine personlige oplysninger. Jeg udfyldte felterne med mit CPR-nummer, telefonnummer og min e-mailadresse. I det n\u00e6ste felt valgte jeg min civilstand i dropdown-menuen, og jeg skulle efterf\u00f8lgende udv\u00e6lge antal b\u00f8rn og min boligform. Jeg skulle derefter s\u00e6tte flueben ved, at jeg accepterede Kviktos betingelser og l\u00e5nevilk\u00e5r. Der var desuden p\u00e5 forh\u00e5nd sat flueben ved, at jeg gav samtykke til, at Finans 247 m\u00e5 kontakte mig med markedsf\u00f8ringsmateriale. Ude til h\u00f8jre kunne jeg se, at den 1. betalingsdato ville v\u00e6re den sidste hverdag i indev\u00e6rende m\u00e5ned. Jeg fik ogs\u00e5 at vide med sm\u00e5, at der ikke var nogen fast l\u00f8betid p\u00e5 den kredit, som jeg var i gang med at ans\u00f8ge om. Derefter klikkede jeg p\u00e5 knappen Videre. <\/p>\n\n\n\n

\"Anmeldelse
Man skal udfylde personlige oplysninger.<\/figcaption><\/figure>\n\n\n\n

I det n\u00e6ste sk\u00e6rmbillede skulle jeg, som et led i ans\u00f8gningen til l\u00e5net hos Kvikto, v\u00e6lge min bank. Jeg skulle ogs\u00e5 indtaste min bankkonto. Da jeg havde klikket videre herfra, skulle jeg give samtykke til eSkat, s\u00e5 Kvikto ville kunne indhente oplysninger om min \u00f8konomi. Herefter var der blot tilbage at sende ans\u00f8gningen ind.<\/p>\n\n\n\n<\/span>\n\n\n\n

ET L\u00c5NETILBUD HOS KVIKTO KAN EKSEMPELVIS SE S\u00c5DAN HER UD:<\/strong>
L\u00e5nebel\u00f8b: 9.000 kr.
L\u00f8betid: 12 m\u00e5neder.
Debitorrente: 150 %.
\u00c5OP: 320,66 %.
Kreditomkostninger: 14.242,50 kr.
Tilbagebetalingsbel\u00f8b: 23.737,50 kr.
Beregningen er vejledende. Den m\u00e5nedlige ydelse kan variere med antallet af dage.<\/p>\n\n\n\n

Hvordan er gennemsigtigheden?<\/h2>\n\n\n\n

Hos Kvikto kan det v\u00e6re sv\u00e6rt at gennemskue,\nhvor meget det kommer til at koste penge. S\u00e6rligt hvis man gerne vil beholde\nden i l\u00e6ngere tid og ikke \u00f8nsker at afdrage p\u00e5 hovedstolen lige med det samme.\nEn kredit har nemlig ikke nogen fast l\u00f8betid, og den ydelse, der skal betales\nm\u00e5nedligt i hele kredittens l\u00f8betid, best\u00e5r udelukkende i renter. Denne ydelse\nligger dog fast. Hovedstolen kan man afdrage p\u00e5, n\u00e5r man \u00f8nsker det, og den\nskal som minimum tilbagebetales p\u00e5 det sidste aftalte afdrag. \u00c5OP ligger p\u00e5\nmellem 316,79 og 339,84 %, mens debitorrenten ligger p\u00e5 150 % uanset l\u00e5nebel\u00f8b.\nHos Kvikto er der et oprettelsesgebyr p\u00e5 alle l\u00e5n, og det ligger fast p\u00e5 495\nkr. <\/p>\n\n\n\n

Hvordan er den videre ans\u00f8gningsproces?<\/h3>\n\n\n\n

En l\u00e5neans\u00f8gning er meget nem at udfylde p\u00e5 Kviktos hjemmeside. Det tog mig ganske f\u00e5 minutter at blive f\u00e6rdig med at besvare sp\u00f8rgsm\u00e5lene, og da jeg havde sendt den af sted, fik jeg straks at vide, at jeg kunne l\u00e5ne pengene<\/a>. Jeg blev nemlig tilbudt en kredit p\u00e5 9.000 kr. Jeg underskrev aftalen med NemID. Herefter gik der yderligere kun f\u00e5 minutter, f\u00f8r jeg fik at vide, at pengene var p\u00e5 min bankkonto. Det er muligt at f\u00e5 straksudbetaling af l\u00e5n alle ugens syv dage og uanset tidspunkt p\u00e5 dagen.<\/p>\n\n\n\n

Jeg synes, det var meget nemt at f\u00e5 en kredit hos Kvikto, og det tyder p\u00e5, at n\u00e5r man har en god \u00f8konomi, vil de gerne l\u00e5ne en penge<\/a>. S\u00e5dan gik det i hvert fald for mig, og det var alt i alt en meget simpel proces.<\/p>\n\n\n\n

Fordele ved Kvikto<\/h3>\n\n\n\n

1.\nStraksudbetaling alle ugens dage<\/strong><\/p>\n\n\n\n

Uanset hvorn\u00e5r man sender ans\u00f8gningen af sted,\nvil der hos Kvikto v\u00e6re en straksudbetaling af l\u00e5n, n\u00e5r l\u00e5neaftalen er\nunderskrevet.<\/p>\n\n\n\n

2. Man\nbestemmer selv, hvorn\u00e5r man tilbagebetaler hovedstolen i<\/strong><\/p>\n\n\n\n

Man bestemmer selv, hvorn\u00e5r man tilbagebetaler\nhovedstolen, og det kan man derfor g\u00f8re l\u00f8bende eller ved det sidst aftalte\nafdrag.<\/p>\n\n\n\n

Ulemper ved Kvikto<\/h3>\n\n\n\n

1.\nMeget h\u00f8j \u00c5OP p\u00e5 kreditten<\/strong><\/p>\n\n\n\n

Hos Kvikto l\u00f8ber \u00c5OP helt op p\u00e5 316,79 –\n339,84 %.<\/p>\n\n\n\n

2. Der\nbetales ikke automatisk af p\u00e5 selve l\u00e5net<\/strong><\/p>\n\n\n\n

I den m\u00e5nedlige ydelse indg\u00e5r kun renter. Man\nskal derfor selv s\u00f8rge for at betale af p\u00e5 kreditten.<\/p>\n\n\n\n

3. Det\nkan p\u00e5 l\u00e6ngere sigt blive meget dyrt at l\u00e5ne penge<\/strong><\/p>\n\n\n\n

P\u00e5 l\u00e6ngere sigt kan det blive meget dyrt at l\u00e5ne penge<\/a> hos Kvikto. I hvert fald hvis man ikke afdrager p\u00e5 kreditten.<\/p>\n\n\n\n

\n
\n

Kundeservice<\/h3>\n\n\n\n

kontakt@kvikto.dk
7077 7750<\/p>\n\n\n\n

\u00c5bningstider:
Hverdage: 9 – 17. <\/p>\n<\/div>\n\n\n\n

\n

<\/h3>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n
<\/div>\n\n\n\n

Sp\u00f8rgsm\u00e5l og svar<\/h3>\n\n\n\n
Hvad koster det at l\u00e5ne?<\/strong>

Du kan se minimums- og maksimumsrenten og l\u00e6se, hvilken slags tilbud du muligvis f\u00e5r fra Kvikto her.<\/a><\/p> <\/div>

Hvor meget kan jeg l\u00e5ne penge?<\/strong>

Du kan l\u00e5ne penge fra 3.000 kr. til 15.000 kr. med en l\u00f8betid p\u00e5 1 – 12 m\u00e5neder.<\/p> <\/div>

Hvorn\u00e5r har jeg pengene p\u00e5 min konto?<\/strong>

Uanset hvorn\u00e5r man sender ans\u00f8gningen af sted, vil der hos Kvikto v\u00e6re en straksudbetaling af l\u00e5n, n\u00e5r l\u00e5neaftalen er underskrevet.<\/p> <\/div>

Hvad er ulemper ved Kvikto?<\/strong>

Meget h\u00f8j \u00c5OP p\u00e5 kreditten hos Kvikto. \u00c5OP l\u00f8ber helt op p\u00e5 316,79% \u2013 339,84 %.<\/p> <\/div> <\/div>\n\n\n\n\n\n\n

<\/div>\n\n\n\n
\n\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

Hos Kvikto har man mulighed for en etablere en kredit. Man kan ans\u00f8ge om en kredit p\u00e5 mellem 3.000 og 15.000 kr. Anmeldelse af Kvikto<\/p>\n

L\u00e6s mere Kvikto<\/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-622","post","type-post","status-publish","format-standard","hentry","category-anmeldelser","entry"],"yoast_head":"\nKvikto l\u00e5n - L\u00e6s anmeldelse - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testede Kvikto - l\u00e6s om vores erfaringer og \u00e6rlige anmeldelse. 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