The Financial Innovation Association Kosovo
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On what occasions to consider borrowing from a non-bank lender?

Short-term loans are meant to be used for emergency expenses, for example, when a domestic appliance breaks down unexpectedly and needs immediate repair. Although the service is easy and convenient, one must use it responsibly and sensibly. Before taking out a short-term loan, a person should evaluate the real necessity for this money; their ability to repay in a timely manner; make sure the monthly instalment does not exceed [xx]% of their monthly income; make sure they do not borrow more than it is necessary. If you have decided to take out a short-term loan, make sure you are fine with the set interest rate (commission), have studied the terms of the agreement carefully, keep track of your budget to repay the loan on due date.